Carter has three disciplinary matters currently pending before this Court, each of which involves his wilful abandonment of a client matter for which he had accepted a retainer and two of which involve his additional failure to respond to disciplinary authorities. As appropriate discipline for Carter’s resulting violations of Standards 22 b and 44 and Rules 1.3, 1.4, 1.16, 8.4 a 4 and 9.3 of the Georgia Rules of Professional Conduct, all of Bar Rule 4-102 d, the State Bar recommends in Case No. S03Y0885 that Carter be suspended for 90 days and in both Case Nos. S03Y1284 and S03Y1285 that he be disbarred. Because of the circumstances, we believe that disbarment is the appropriate sanction for Carter’s numerous violations of the Georgia Rules of Professional Conduct. The documents filed in these cases establish that on three separate occasions, Carter accepted money in exchange for his promise of legal services which services he then failed, in varying degrees, to provide in a timely or appropriate manner; his failures in each case led to judgments being entered against each of his clients, which judgments significantly harmed each client’s interests. In addition, Carter failed to respond to his clients’ requests for information about the status of their respective cases and, in one case, affirmatively deceived his client about her case. Despite his sub-standard performance, Carter failed to refund any of the money paid to him by the clients. Moreover, although the State Bar properly served Carter with the relevant notices of investigation and notices of discipline, Carter failed on several occasions to respond in a timely manner.