Overwhelmed and Out of Options?
Losing Sleep Over Your Bills?
Want to Get Good Credit?

Let me give you the Fast and Easy Solution – FOR FREE!

Dayton and Cincinnati’s trusted debt relief Specialist over 26 years. I end the stress and frustration of debt and rebuild your credit so you can live a normal life again.

• You can escape worry and sleepless nights caused by overwhelming debt that you simply can’t pay.
• You can get relief from the stress and frustration of not being able to pay your bills.
• You can get your life back. A life with good credit, so you can get the things you need and want for yourself and your loved ones.
• You can keep the things you have worked hard to get. You won’t lose any property.

Your Debt Problem: Too Many Confusing Choices

Everybody knows there are all kinds of debt programs out there. You can’t turn on the TV or radio without getting blasted by their ads. How can you know if they work? Are there any other options? How do you compare them all? Does it leave you confused and not knowing what to do?

The Solution to Your Debt Problem

There is an answer!

And, the good news is that you don’t have to visit multiple offices and counselors to figure it all out.

A True Horror Story (my near-death experience can change your life, too!)

One afternoon a man was working on the roof of his home and slipped, falling to the ground below. It could have killed him, or paralyzed him for life. In excruciating pain he went to his doctor, who told him that it wasn’t that serious and that he would be okay. After several weeks of not being able to work, the man went to a different doctor who said that the first doctor was wrong. He had actually had a broken back! Because of the delay in treatment, there was nothing the doctor could do. But fortunately there appeared to be no permanent damage. Nevertheless, he was unable to work for months.

He was forced to close his business. Without any income, or unemployment, he and his family lived on credit cards. He quickly went through his savings just to survive. He was sued by attorneys he knew personally, but they would not work with him even though he knew he could pay the bills if they would just give him some additional time.

That man was me! My name is Richard West and that experience changed my life forever. I completely understand what it’s like to want desperately to pay bills but – for reasons beyond your control – you simply can’t. Because of this, I have devoted 100% of my professional career to helping people – good, honest, hard-working people – solve their overwhelming debt problems.

Since 1986, I have been the personal bankruptcy attorney who has helped thousands of families in Dayton and Cincinnati Ohio get complete financial recovery from their overwhelming debt problems. I am the only bankruptcy attorney in Dayton and Cincinnati area who is a board certified consumer bankruptcy specialist and a certified credit counselor and non-bankruptcy debt specialist.

When you meet with me for your confidential debt relief consultation, I will design your personal, customized program – a step-by-step master plan which will:

• Eliminate your debt
• Safeguard your property
• Rebuild your credit
• Clean up your credit report

I’ll explain all options available to you, and help you select the one that will deliver the results you need. You will have in hands a clear path to financial recovery.

You’ll get a customized, step-by-step plan that will solve your debt and credit problems, remove the stress and frustration of bills you cannot pay, so you can sleep at night and enjoy life with your loved ones once more.

You’ll receive a personal, customized plan, specifically designed for you

I have built a unique law practice that is 100% dedicated to finding the right debt relief option for you. Together, we will carefully consider and compare all possible options. After all, if you don’t consider all of them, how will you know if you’ve found the one that’s best for you?

Unlike other lawyers, I am a certified credit counselor as well as non-bankruptcy debt specialist. I am trained and certified in ALL methods of debt relief. That way, you will know that you’ve “covered all the bases.”

A Big Promise? You Bet! Can we deliver? Absolutely!

I have personally helped over 10,000 people stop worrying about their bills and get their normal life back.

We’ll examine all of your options, and compare them all for you. This is critical to finding the best plan for your needs!

I’ll explain:

• Credit counseling
• Debt management plans
• Debt settlement options
• Chapter 7 bankruptcy
• Chapter 13 bankruptcy
• Other options (they do exist!)

Get fast relief from the stress and worry caused by overwhelming debt

Because I know, firsthand, what it’s like to worry all the time about not being able to pay your bills, not being able to sleep at night, afraid that my mailbox would have another lawsuit stuffed inside it, I do everything possible to ensure that you get the right answers so you can get started right away.

You’ve already suffered enough, lost enough sleep, worried enough, maybe even had fights with a loved one because there simply isn’t enough money to pay all the bills. It’s time to take charge of the situation and find out what you can do! Even if your bills took years to build up, I will show you a solution that can often wipe them out within a few months.

A Totally New Beginning – A True Fresh Start

Imagine what life will be like without a mountain of debt to worry about. A huge weight will be lifted from your shoulders. You’ll be able to breathe again. You will have money in the bank. You will pay cash for things you need. Without all that debt on your credit report, it will be easy to get the credit you need for the things you want. My clients are getting car loans at good rates very soon after they finish our program. You can often get a mortgage in as little as two years after completion of your plan.

Yes, there IS good credit after bankruptcy

You’ve been told (by creditors who don’t want you to know the real truth) that bankruptcy will ruin your credit for 10 years. The truth is, when we help you, it takes very little time to rebuild your good credit after bankruptcy.

Because I am a certified credit counselor, I know the secrets to rebuilding good credit. I will take you, step-by-step, through the process you will follow to quickly restore your credit. Our program has proven effective for thousands of our clients over the years.

Our methods work so well, that it is common for our clients to have credit scores in the 600’s and 700’s, even over 800, within a year or so after bankruptcy. We have thousands of clients who get credit cards immediately after their cases are filed; get car loans at good interest rates; and even buy houses only a few years after they wipe out their debts.

Good Credit is not only possible, with our help, it is typical for our clients.

You will not lose your property

You have worked hard to get where you are, and what you have. I’ll show you how we can protect your property from creditors. You don’t have to give up your home or your car or anything else. In fact, my clients normally keep everything, and often pay nothing on their credit cards or medical bills.

Our Firm is Unique – Total Recovery from Your Debt is our ONLY Practice

Whenever you have a very serious problem and you can’t afford to take any chances, you call a specialist. You get one shot at getting your finances right.

You need an attorney who is a true specialist – experienced and knowledgeable – who focuses all of his time and attention to one thing, debt relief. I am one of only 11 board certified consumer bankruptcy specialists in the entire state of Ohio, the only one in the entire Miami Valley. I am the ONLY attorney in Ohio with three different certifications in debt relief.

When bankruptcy is your best option, I’ll carefully explain the differences between Chapter 7 and Chapter 13 so that you’ll know how they really work and how you can benefit from them. I know that, usually, what people think they know about bankruptcy turns out to be incorrect. I’ll tell you the truth about bankruptcy.

You will be amazed (and pleasantly surprised!) by what you learn when you meet with me. You’ll see that much of what you thought about bankruptcy – the things you were afraid of – turn out not to be problems at all.

You’ll Receive Personal Assistance from a Staff of Caring Professionals

Since we have a large staff, there’s always someone available to help you.

You will have your own personal paralegal and legal assistant assigned specifically to assist you. Your attorney, paralegal and legal assistant are your personal support team, helping you every step of the way from the day we start working for you, all the way through your plan, and even beyond. In fact, we continue to be available to you even years after the case is closed, should you ever have a question or need information. We are always here to help.

Your Personal Satisfaction – Our 100% Iron-Clad No-Fine-Print Money-Back Guarantee

Because we are the largest bankruptcy-only law firm in Southern Ohio, we promise to deliver – we even guarantee – personalized, individual assistance for you. We are so confident in our ability to represent you in the way that you deserve and expect – we offer the only 100% money-back guarantee you’ll ever find.

Here it is, with no fine print, no legalese, no double-talk.

No Questions Asked. No Conditions. 100% Iron-Clad.

We stand behind our service guarantee 100%. I am not saying we are perfect, because nobody is. But, we try to be. And if you are not completely satisfied with our service, all you have to do is say the word and we refund all your fees 100%. That’s right. All the way up to the day we file your case – if you decide for any reason at all not to go forward with filing – we will refund 100% of your fees. Of course, if there were costs, not fees, incurred, we cannot refund these, but that’s just common sense.

No other law firm dares to match this commitment to your satisfaction.

Give us your worries and start sleeping again

I know the worry and frustration that you are experiencing. The pressure of having so many bills you just can’t pay poisons your life from the minute you wake up in the morning and robs you of your sleep at night. Stop beating yourself up! Do what thousands of your neighbors have done. It’s time to get an expert on your side.

Trusted by over 11,000 families since 1986

For over 26 years, families just like yours have trusted me to help them end the worry and frustration of debts they simply could not pay. We really care about you and it shows. But don’t take my word for it. Consider this: over 70% of our new clients come to us on referrals from past clients.

We are honored that our clients trust and recommend us to help their other family members, co-workers and friends. More and more, we see that people are “opening up” about filing bankruptcy, and telling their loved ones and friends how our help changed their lives for the better, and how they can now live normal lives with good credit. Bankruptcy can be the beginning of a new and better life for you, without the pressure and worry of impossible debt.

Just click on our Google Places link at the upper right on this page to see what others have to say about our services. We have Google Reviews of our bankruptcy attorneys so you know what others have to say about our expertise and service.

You can afford our help! We have flat fees and affordable payment plans

We understand your problems. We don’t add to them.

When you are deep in debt, you might need help with the cost of our services too. We know this – and we do something about it. We quote our fees up front – in writing – from the very start. And we make it easy to afford our help.

With our flexible payment plan, you can get started with a small deposit, and make payments afterwards. We go to work for you right away. You can instantly begin to refer all of your harassing creditor calls to us. We can even send them “cease and desist” letters, so they will call us – not you – from the very day you start your plan with us. Your relief starts from the very first day we go to work for you.

It’s Really Easy to Get Started

I have been where you are. I know and understand what you’re going through. That’s why I have made it incredibly easy for you to get the advice and guidance you need.
If you are tired of getting nowhere and ready for your confidential, personal debt consultation and customized, step-by-step plan to wipe out your bills, just call Janelle, my receptionist, at (937) 240-0344 to schedule an appointment that’s convenient for you. We have several offices available, one is probably not far from where you live or work.

We have offices in:

• Springboro
• Near the Dayton Mall (next to CarMax)
• Fairborn (exit 20 on 675 – across from Krogers)
• Fairfield (on Nillis Road)

Telephone Consultations Make Getting Started Even Easier For You

Is your schedule too tight for an office consultation? No problem!

You can schedule your free, confidential debt relief consultation by telephone. Our telephone consultations are not “watered-down” versions of our office appointments. Not at all! You will get the same careful analysis, the same thorough and complete comparison of all your debt relief options, and the same full and thoughtful care we give to everyone who consults with us, whether in the office or on the phone.

You have questions. We have answers.

If you would like to call our office and just ask some questions, we are delighted to help. Just call 937-240-0344 and press option three. You will be connected to John, one of our highly trained staff members who will be able to discuss your situation with you and answer many of your questions. Help is available Monday – Thursday from 9 – 9, Friday 9 – 6, Saturday 10 – 6, and Sunday from Noon to 6 P.M.

Internet On-Line “mini-consultation” – Information for you – 24/7/365

For a “quick-start” to your debt relief options, use our website “Free Online Case Evaluator.” I will review your information and get right back to you. Then, for your follow-up questions, I will continue to correspond with you by email, answering your questions and helping you get the answers you need.

It doesn’t get any easier than this!

The only thing I can’t do for you is pick up the phone and make the call for you. I know that phone may seem like it weighs a hundred pounds, but once you pick it up, you’ll feel like a hundred pounds have been lifted from your shoulders. That’s what everybody tells me when I show them the way out of their debt nightmare.

But, only YOU can get the ball rolling. With so much at stake, so much to gain, and no risk involved, you have nothing to lose, except your worries and frustration over the bill you can’t pay. Don’t spend another sleepless night worrying – pick up the phone, call Janelle and get started on your journey to becoming debt-free. It could be the most important call you ever make.

Dedicated to improving your life by wiping out your bills,

Rick West

P.S. – DELAY CAN BE COSTLY!

Don’t fall into the trap of doing the wrong thing because you don’t know the right thing to do. Before you take out a loan on your retirement plan, or borrow money to pay a bill, or do anything – STOP! BE SAFE – NOT SORRY! CALL TODAY SO YOU’LL KNOW WHAT TO DO! Your debt problem will not solve itself. The longer you wait, the worse it gets, and options that you have now might disappear if you wait any longer.

P.S.S. – This Private, Confidential Consultation is worth over $250.00.
Why spend another day in debt? Why spend another night worrying about bills?

My fee for your confidential, comprehensive – all options considered and compared – debt relief consultation would be a minimum of $250.00. That is, if you could hire me just for an office consultation. But, this customized debt relief consultation that is yours for the asking can literally be worth THOUSANDS in savings to you.
What are you waiting for?

Rick