A lawyer and another man have been charged with stealing more than $2 million from 14 clients, one of them a single mother who lost her home and now accepts welfare to support herself and her child.

The lawyer, Domenick Crispino, 36, was accused of stealing money he was supposed to give to 12 clients who had won personal injury settlements and two who had received annuities from a dead family member's life insurance.

The 69-count indictment, announced yesterday, is the third since last fall to accuse Mr. Crispino of stealing clients' money, Manhattan District Attorney Robert M. Morgenthau said. The other two cases are pending.

Charges against Mr. Crispino, who was jailed in $150,000 bail, include grand larceny, criminal possession of stolen property and forgery. The grand larceny charge is punishable by up to 25 years in prison.

The district attorney said Mr. Crispino had been helped by Cal Stuart, 36, of Manhattan, who misrepresented himself as a lawyer. Mr. Stuart was arraigned on the same charges as Mr. Crispino and held in $50,000 bail.

Mr. Crispino, who lost a State Assembly race in 1994, was suspended from the practice of law after numerous complaints from clients.

The district attorney said the latest case arose from a lawsuit that Mr. Crispino filed against the J. G. Wentworth Company in April 1998 on behalf of about 30 people who had received structured settlements or annuities. Wentworth pays a lump sum to buy at a discount all or part of a structured settlement or annuity that will be paid out in a larger amount over several years.

Mr. Crispino's lawsuit demanded that the lump-sum purchase agreements be voided so that larger amounts could be paid to his clients, and argued that Wentworth had taken advantage of them, the district attorney said.

But without his clients' knowledge, Mr. Crispino offered to drop the lawsuit if Wentworth would buy the rest of the clients' settlements and annuities at a discount rate, Mr. Morgenthau said.

Wentworth agreed to the deal, the district attorney said, but most of the victims received only a small fraction of the money.

One victim, Mr. Morgenthau said, was a 25-year-old single mother who had been burned over 75 percent of her body at age 5. He said she was told she would get $50,000 from the lawsuit settlement, but Mr. Crispino had sold her entire annuity of $1.07 million to Wentworth for $296,000.

Daniel Castleman, an assistant district attorney, said the woman, who has a child with Down syndrome, lost the home she was buying and ended up on public assistance. Almost none of the stolen money has been recovered, Mr. Castleman said.