Flume and Associates

Bankruptcy Law Attorneys, Attorneys, Bankruptcy Services

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Map & DirectionsDirections8700 Crownhill Blvd Ste 502San Antonio, TX 78209 Write a ReviewWrite Review

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Extra Phones: Phone: (210) 828-9400
Categories: Bankruptcy Law Attorneys, Attorneys, Bankruptcy Services, Child Custody Attorneys, Criminal Law Attorneys, Divorce Attorneys, Estate Planning, Probate, & Living Trusts, Family Law Attorneys, Foreclosure Services, Wills, Trusts & Estate Planning Attorneys

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Phone: (210) 930-7000

Address: 8700 Crownhill Blvd Ste 502, San Antonio, TX 78209

Flume and Associates

Family Law

Divorce
Child Support
They would also ask if the person owned any stocks, bonds or IRAs and they would ask if they had any collections or collectible items like a stamp collection that may be worth a large amount of money. They would ask if the person has any life insurance with cash value and whether they have a 401(k) or retirement or loan against the retirement. Again, it would not be like the person would lose those things; they would just be asking so they could make sure that everything is true and correct. From there on, they would ask if the person had signed over any property or any real estate in the last year, and they would ask if the person had owned any property in the last 5 years. They will ask if the person had borrowed money from family member or friends within the last two years and whether they had given any money to family or friends within the last two years. They would ask if the person owed anyone money, or whether anybody owed them money. They would ask if there was any reason to sue someone, whether the person was entitled to an inheritance, whether they had paid any unsecured creditor like a credit card more than $600 within 90 days of the filing of the case, whether the person had transferred any property in the last 5 years, whether they had any domestic or child support obligations, whether they had listed all their assets, whether they listed all their creditors, whether they had filed all their tax returns, whether the copy in front of the trustee was the true and correct copy, whether the person had lived outside the state of Texas in the last 5 years and then they would ask if the address of the person’s employer is correct. They would also ask the person their primary reason for filing bankruptcy.
Spousal Support
Fact: Certain kinds of debts cannot be discharged in bankruptcy. They include most taxes, child support, spousal support, student loans, and any debts that you obtained as a result of fraud or misrepresentation. Additionally, a Chapter 7 bankruptcy will not get rid of your home loan or car loan if you want to keep the home and car. The general rule regarding home and car loans is this: if you want to keep them, then you have to keep paying for them.

Criminal Law

Criminal Defense

Trusts and Estates

Estate Planning
You are limited on how much cash you can protect in a bankruptcy case. Determining just how much you can protect requires a review of several factors. If you have too much cash, then I will suggest some “bankruptcy estate planning” strategies. The key point here: don’t give it to family before you come to see me.

Finance Law

Bankruptcy
As a San Antonio bankruptcy lawyer, I understand the difficulties that you may be experiencing if you are facing extreme debt loads. There are many individuals and families that suffer from significant debt and the inability to keep up with payments. If you are facing these situations, then you may greatly benefit from the assistance of my firm in considering your options. When deciding whether to file for bankruptcy, it is important to consult with an attorney that is experienced in bankruptcy law for a number of reasons.
Foreclosure
During a free initial consultation, I meet with you and review your income, expenses and all your options for handling your debt problems. While bankruptcy can be a very powerful and effective solution for debt problems, it is not for everyone. Since no two financial situations are identical, there is no cookie-cutter approach to filing for bankruptcy. Whether or not you should file will be dependent on a number of factors, some of which include your monthly income; your expenses; whether or not you’re facing foreclosure; the types of debts you have; whether or not your debts can be included in bankruptcy; if you’ve filed bankruptcy before and if so, how much time has elapsed since you last filed and which Chapter you filed.
Debt Collection
“Rick is an excellent bankruptcy lawyer and out of concern for his clients, has become excellent at avoiding bankruptcy by defending debt collection suits and protecting non-exempt assets. I regularly refer clients to him.”

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