DISCIPLINARY ACTION
PER CURIAM.
The hearing officer appointed by this Court pursuant to Ind.Admission and Discipline Rule 23(11) has found that the respondent, Joseph M. Toth, after accepting retainer payments from clients, failed to take action on their behalf, failed to refund unearned portions of the retainers, and converted client funds to his own use. He also found that the respondent failed to promptly deliver settlement funds to a third party lienholder...
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