SpringboroOhio(OH) Richard E. West - Springboro, OH personal infomation and areas of practice

Ohio SpringboroRichard E. West attorney Richard E. West - Springboro, OH is a Very good lawyer practice area in Bankruptcy Law,Richard E. West

if you have any problem in Bankruptcy Law,please email to Richard E. West or call 937-748-1749 or Go to our company directly(addr:195 East Central Avenue Springboro,OH) ,we will provide free legal advice for you.

• Rick West – Miami Valley's trusted Debt Relief Specialist for over 25 years.

  Rick West is not your typical lawyer. He knows what it's like to be in debt, hounded by his creditors and sued for bills he could not pay. Although he always helped consumers with difficult debt problems since he started practice in 1986, he had a horrible accident in 1993 and broke his back after falling off of his rooftop. He could not work for months, and had to close his law practice while, literally, he "got back on his feet."

  As a result, he had to live on credit cards, pay his mortgage and feed his family with borrowed money. He was unable to pay his bills and – eventually – got sued by attorneys he knew. They would not work with him. They did not care about him, or his family. They wanted money he could not pay. It was devastating.

  In time, Rick did get back on his feet, and was able to pay the creditors. But the experience changed him forever and he vowed to devote the rest of his professional life to helping good, hard-working people who, through no fault of theirs, could not pay their bills.

  He closed his general practice, and began to specialize in debt relief. He became one of only a handful of attorneys in Ohio who are board certified in consumer bankruptcy, and he is also a certified consumer credit counselor as well as an accredited debt arbitrator and debt workout specialist, certified by the IAPDA. He is the only attorney in Ohio to hold all of these certifications. He has lectured widely to attorneys across Ohio on bankruptcy law, and has appeared on numerous television programs as a bankruptcy specialist.

  Rick understands the importance of credit. His firm is the only firm in Ohio to offer – to all clients – a unique 3-Step Plan for total financial recovery. He combines his expertise as a consumer credit counselor with his extensive bankruptcy experience to help his clients get out of debt, rebuild their credit, and – after the bankruptcy is over – Rick's firm continues to help his clients to ensure that their credit report is accurate.

  Because he is also licensed to practice before the United States Tax Court, Rick can also help with consumer tax debt problems, including the "pennies on the dollar" offer-in-compromise program.

  Since 1986, over Ten Thousand Miami Valley consumers have trusted Rick to turn their finances around and help them get a true "fresh start" – including restored credit.

• Ohio, 1986 U.S. Federal Courts, 1991 U.S. District Court Southern District of Ohio, 1986 U.S. Court of Appeals 6th Circuit U.S. Supreme Court, 1989 U.S. Tax Court, 1987

• Temple University School of Law, Philadelphia, Pennsylvania, 1986J.D. St Joseph's University, Philadelphia, PennsylvaniaB.A.Major: Business

• When you face overwhelming debt, it can often feel as though you have no options and there is nowhere to turn ? nothing could be further from the truth. Those who are stuck under a mountain of debt in Huber Heights and throughout Ohio can turn to the Richard West Law Office to receive honest advice and practical solutions designed to help them eliminate debt and move forward in their lives. Firm founder Richard West has focused solely on bankruptcy and debt relief law since 1986, is a board certified bankruptcy lawyer,* is a Member of the American Bankruptcy Law Forum, a member of the National Association of Consumer Bankruptcy Attorneys (NACBA), and is an accredited debt arbitrator and debt workout specialist certified by the International Association of Professional Debt Arbitrators (IAPDA). Our entire staff draws on Richard's vast understanding of debt elimination strategies, allowing all of our clients to benefit from Richard's decades of legal knowledge.

  Keep your property. Wipe out your bills. Rebuild your credit.

  We provide you with the information you need to escape overwhelming debt and understand how bankruptcy and other debt relief options can affect:

  Medical debtCredit card billsForeclosureRepossession of propertyTax debt helpUnemployment and debtWage garnishmentLoan modifications

  After discussing these and other debt relief topics, we will help you understand how you will be able to emerge from bankruptcy or debt management plans in a healthy financial position and begin to rebuild credit. To accommodate your schedule, the Richard West Law Office offers free initial consultations during evening and weekend hours upon request. Payment plans based on your specific financial situation are available.

  *Board Certified in Consumer Bankruptcy by the American Board of Certification

Richard E. West & Joy Attorneys

Springboro Ohio lawyer Richard E. West - Springboro, OH

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lawyer Richard E. West - Springboro, OH Reviews

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EQUITY -. 1. Stock or any other security representing an ownership interest. . 2. On a company's balance sheet, the amount of the funds contributed by the owners (the stockholders) plus the retained earnings (or losses). Also referred to as "shareholders' equity". . 3. In the context of margin trading, the value of securities in a margin account minus what has been borrowed from the brokerage. . 4. In the context of real estate, the difference between the current market value of the property and the amount the owner still owes on the mortgage. It is the amount that the owner would receive after selling a property and paying off the mortgage. . 5. In terms of investment strategies, equity (stocks) is one of the principal asset classes. The other two are fixed-income (bonds) and cash/cash-equivalents. These are used in asset allocation planning to structure a desired risk and return profile for an investor's portfolio. . . The term's meaning depends very much on the context. In general, you can think of equity as ownership in any asset after all debts associated with that asset are paid off. For example, a car or house with no outstanding debt is considered the owner's equity because he or she can readily sell the item for cash. Stocks are equity because they represent ownership in a company.. . DIVIDEND -. 1. A distribution of a portion of a company's earnings, decided by the board of directors, to a class of its shareholders. The dividend is most often quoted in terms of the dollar amount each share receives (dividends per share). It can also be quoted in terms of a percent of the current market price, referred to as dividend yield. . 2. Mandatory distributions of income and realized capital gains made to mutual fund investors. . 3. Dividends may be in the form of cash, stock or property. Most secure and stable companies offer dividends to their stockholders. Their share prices might not move much, but the dividend attempts to make up for this.. 4. High-growth companies rarely offer dividends because all of their profits are reinvested to help sustain higher-than-average growth. . 5. Mutual funds pay out interest and dividend income received from their portfolio holdings as dividends to fund shareholders. In addition, realized capital gains from the portfolio's trading activities are generally paid out (capital gains distribution) as a year-end dividend.

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