Dayton Bankruptcy Attorney Chapter 7 & Chapter 13 Lawyer

Southern Ohio's LARGEST Chapter 7 & 13 Bankruptcy Law Firm

Wipe Out Debt, Keep Your Property, Rebuild Your Credit

We HELP you Wipe out Debt, Keep your Property, & Rebuild your Credit

Highest Rated Dayton Bankruptcy Attorney

Southern Ohio’s Most Reviewed Law Firm



Southern Ohio’s Largest Firm

Bigger Staff = Better Service

Highest Reviews

Excellent Reputation

Hundreds of 5 Star Reviews!

Highest Reviews

Ohio’s Most Reviewed Bankruptcy Firm

More Reviews than any other bankruptcy law firm!

Google Rating
Based on 249 reviews

Why Should You Hire Us?

Not all Bankruptcy Attorneys in Ohio are created equally.

Richard West Law Office, Bankruptcy Attorney, Springboro, OH

Why You Should Hire Richard West

More people agree Richard West is the Best option for Bankruptcy and Debt Solutions in Dayton, Ohio

The one thing most clients agree with is Richard West cares. As a Dayton Bankruptcy Attorney | Chapter 7 & Chapter 13 Lawyer, he cares about the financial problems you have because he’s been where you are.  He understands like only someone who’s been through what you are going through can.  He knows how you feel.

Rick’s here to help you get a fresh start by wiping out debt, helping you keep your property, and rebuilding your credit. He knows what you need, because he created the program for himself.  When medical bills and an injury wiped him out, he built a financial recovery program, first for himself, then for his clients.  It’s amazingly effective.  Over a thousand clients have been through his amazing program and recovered good credit.

  • 30,000 clients served
  • Bankruptcy Attorney Since 1986
  • Board Certified Bankruptcy Attorney
  • Certified Credit Counselor
  • Certified Debt Arbitrator
  • A+ Rated with the BBB
  • 247 Positive Google Reviews 4.9
  • Trusted by Thousands of Clients

What You Should Not Do When Filing for Bankruptcy

There are some very common mistakes you can avoid.

First, it’s important to understand that nothing can be hidden from the Bankruptcy Court. Your right to a fresh start, and your ability to get rid of debt depends on full disclosure of everything you own, or have an interest in, even a future or possible (contingent) interest. Most of your assets are protected by exemption laws, but not everything is. That’s why a Dayton Bankruptcy Attorney | Chapter 7 & Chapter Lawyer is key to keeping all your property.

Tragically, we see many people who come to us AFTER they have screwed up.  Unfortunately, if you’re suffering financial stress, you’re “in the danger zone.”  Often, people do things that, while perfectly legal and seem to make sense at the time, cause them serious problems later. Sometimes these can’t be fixed. Don’t make any changes in your finances without first reviewing Mistakes to Avoid.

Mistakes to Avoid

The mistakes you need to avoid when filing for Chapter 7 & Chapter 13.

Besides our in office consultations. We also offer teleconference and Video conferencing to discuss your financial situation and what the best solution is for you during this time of uncertainty. Book your free strategy session now!

Cost to File

Find out why cheap lawyers cost you more in the end.

The Cost to File Bankruptcy

Focusing on the cost to file bankruptcy is NOT the way to chose a Dayton Bankruptcy Attorney.

There’s a lot of wisdom in that old saying, “you get what you pay for.” I cannot even begin to tell you all the horrible messes that clients have brought to me created by bad legal advice, given to them by some affordable bankruptcy attorney who turned out to be not even worth the cut-rate he charged.

To find the true cost to file bankruptcy, you need to have a wider view. And, you need to think about it a little more deeply than the “affordable bankruptcy attorney” websites want you to.

The Bankruptcy Means Test

The means test has always been a source of misunderstanding and mystery if you need to file bankruptcy.

Even Dayton Bankruptcy Attorneys misunderstand the means test. The means test was designed to reduce the number of people who are eligible to file chapter 7 bankruptcy. But, the test is fatally flawed and often doesn’t work as intended. In fact, focusing on the means test can lead you to the wrong result. As a Dayton Bankruptcy Attorney | Chapter 7 & Chapter Lawyer, I see it every day.

Means testing is not even necessary if your income falls below the median for your family size.

The Bankruptcy Means Test

The Means test problem solved.

Payment Calculator

Debt Payment Calculators

Compare different options. Chapter 13 vs Chapter 7 vs Debt Plans.

Debt Payment Calculator

Do I qualify for Chapter 13? What about a Debt Repayment Plan?

See how the different options compare to each other. Find out how low your chapter 13 plan payment could be. These interactive calculators will give you an idea of how much you will likely pay each month in a debt management plan, vs different chapter 13 repayment levels.

Chapter 13 repayment plans are generally less expensive than debt management plans. In nearly every situation I evaluate, the payments are MUCH LESS  in chapter 13. And, chapter 13 repayment plans can pay as little as 1% – almost nothing.

Credit Card Bankruptcy

Credit card bankruptcy is the most commonly filed bankruptcy because it is the most needed kind of bankruptcy.

As a Dayton Bankruptcy Attorney | Chapter 7 & Chapter Lawyer I file more credit card bankruptcy than any other kind.

Of course, there is no such thing as “credit card bankruptcy” as a separate legal kind of bankruptcy. This term just describes the main reason that many people file. Often clients ask me if they can just file bankruptcy on credit cards and not on any other kind of debt. Sometimes we can! All debt has to be listed, but if all you owe is credit card debt, then that’s all you have to list.

As a bankruptcy attorney for more than 33 years, I can state with certainty that credit cards are responsible for more bankruptcy cases than any other single kind of debt.

Credit Card Bankruptcy

Credit Card Debt is the #1 reason most people will file some form of bankruptcy. 

Chapter 7 vs Chapter 13

Which is better? The answer may surprise you!

Chapter 7 vs Chapter 13

Which is better, Chapter 7 or Chapter 13?

In both Chapter 7 and Chapter 13, the house is paid just as you normally pay it, provided you want to keep it. In a Chapter 7, unlike Chapter 13, you need to be current on your payments, because if you aren’t you will still face a foreclosure later. In Chapter 13 Bankruptcy, however, you can “catch up” missed payments and keep the house, and stop foreclosure.

You might think that Chapter 7 is better than Chapter 13. Many people make this mistake. After all, Chapter 7 is a straight discharge of debt, and Chapter 13 is a reorganization of debt, in a payment plan. As a Dayton Bankruptcy Attorney, I can figure out which best suites your needs.