Connecticut Bar Association
CBF Logo
Super Lawyers
Super Lawyers badge

Client Reviews

You have come through again and I am greatly appreciated. Thank you so much for helping me. I will refer you anytime if anybody asks about a bankruptcy attorney.


I had a challenging and different case where someone was declaring bankruptcy to avoid paying me. I needed an attorney who understood bankruptcy law and who would be sympathetic to helping me since I am a small woman owned business where a debtor was trying to hide behind bankruptcy protection to get out of paying me. Scott was wonderful. Smart, compassionate and relentless in pursuit of justice. I highly recommend him.


I appreciate your help on this matter. This was a complicated situation, and you were able to resolve this quickly. Thanks for your depth of knowledge and your professionalism.


Your quick responses and plans were perfect - you made it easy. You kept me calm and resourceful in a tough situation. It was a pleasure working with you. Thanks.


I lost my business and was completely wiped out. Making the decision to hire a bankruptcy attorney was not an easy decision for me. From my very first meeting with Scott Charmoy, I felt at ease. He described all my options and process steps. Not only is Scott extremely knowledgeable about bankruptcy case law, he is also patient and compassionate. Scott and his paralegal, Denise, took me through the entire process. Through their help, I achieved a positive outcome. There is still one debt that I owe-- a debt of gratitude for Scott Charmoy!


We hired Scott and the team for a Chapter 11 bankruptcy. Scott is very knowledgeable and diligent with all the twists and turns of a complicated case. He is very responsive and has his clients' best interests in mind. Scott's guidance during the process put us at ease during a very difficult time. Thank you Scott!


Charmoy & Charmoy Law Firm made the bankruptcy process very smooth. As you know bankruptcy can seem very scary and a lot of things associated with bankruptcy can be confusing. Scott made the process very simple and straight forward. He explained things in terms I could understand and was very helpful. He is very knowledgeable and walks you through each step of the process. If you are thinking of filing bankruptcy I would highly recommend Charmoy & Charmoy Law Firm.


People laugh at jokes about attorneys, but they're not so funny when you need one. And when you do, you don't need a good one - you need a great one. Counselor Charmoy is a great attorney! And with the support of his Paralegal Extraordinaire, Denise, you'll be in the hands of knowledgeable, communicative, responsive, and effective professionals.


Making the decision to declare bankruptcy was not easy. Once I decided to declare I needed to find the right attorney to represent me. After interviewing several attorneys Scott Charmoy of Charmoy and Charmoy was clearly the right person for the job. Scott's knowledge of bankruptcy laws and the necessary steps needed to file made the process less stressful. Scott always had my best interest in mind and made sure we covered each step of the process thoroughly to ensure a successful outcome. His firm was easy to work with, explained everything clearly and made sure we didn't miss any deadlines. If you are considering declaring Bankruptcy I strongly recommend working with Charmoy and Charmoy to get the job done.

P. L.

Attorney Scott Charmoy worked diligently with us when circumstances occurred whereby we had to declare bankruptcy. Our decision to do so was a difficult one for us to make, even though it was a necessary one, and the prospect of going through the process seemed overwhelming. Attorney Charmoy went over and above our expectations during this process, always taking time to assist us in each step of the way, and fully answering any questions and concerns we raised. We will always be grateful for the work he did on our behalf and we would highly recommend him to anyone who finds themselves in a difficult financial position where bankruptcy is the only option.

J.H, M.H.

Any looking for a professional team that's going to take care of your case from start to finish, I would strongly recommend Scott M. Charmoy at Charmoy & Charmoy Attorneys. He and his staff are extremely professional and efficient. Scott and Denise are always available to answer any questions and to put one at ease. I came to them to handle my case and it was handled efficiently. They do a great job of giving you the peace of mind while they do the heavy lifting! The team kept me up to date on everything throughout the case process. I very highly recommend Charmoy & Charmoy Attorneys as professional and expert attorneys!


Attorney Scott Charmoy made my life immeasurably better. With solid competence, efficiency and kindness, he concluded a case that had been plaguing me for nearly twenty years. I will always be grateful to him.

A.R. (PhD)

Making the decision to file for bankruptcy is an extraordinarily difficult one. Attorney Charmoy presented the pros and cons with honesty and without judgment. He and his caring staff took me through the entire filing process, always representing my interests with a high level of professionalism. I could not recommend Charmoy & Charmoy enough.


I pulled Scott into a messy case that I had been handling pro bono. That was the smartest move I could have made. He was attentive, responsive and collaborative. Depending on the issue, he knew when to be assertively hands-on and when to be guide my actions with a lighter touch. I achieved a positive outcome, one that would have not been possible without Scott's work.


When faced with the prospect of losing everything I had built in my life, I turned to Scott. He was professional, highly knowledgeable but most importantly he was compassionate while remaining professional. His office assistant Denise was also amazing and between the two of them they guided me through. I highly recommend Attorney Scott Charmoy and will forever be grateful for his help. LF


Scott Charmoy is knowledgeable and experienced in the field of bankruptcy. He is professional, courteous, and made a very difficult situation manageable . With his help we were able to get through our bankruptcy in a timely manner and are now able to have a fresh start. We highly recommend his services to anyone in this situation.

C.D, L.D.

I had a very good experience with Scott. He was very professional. He laid out all of my options and was up front on all of them, which made my decisions easier. I would highly recommend Scott.


I was recommended by a friend to hire Scott for my bankruptcy case, Scott and his paralegal Denise walked me through the steps toward my debt relief. I would highly recommend his office to anybody thinking about going bankrupt or having financial problems in their life. Thanks very much Scott and Denise!


I would like to thank Scott Charmoy and Denise for the service that was given to me. Anyone looking for a bankruptcy attorney call Scott Charmoy, he will get the job done.


I was recommended by a good friend when the IRS was closing in on me and I was about to lose everything. He was tough, professional, honest and trustworthy. He did everything he said he would do. His paralegal Denise was very nice and on top of everything. I would recommend Scott to anyone going thru financial & IRS problems.


I highly recommend Scott Charmoy; his advice and professional services were exactly what I needed to resolve my financial situation. Scott went the extra mile and took a thorough look at my personal situation, tailoring my bankruptcy to my particular needs. Instead of offering cookie-cutter solutions, his experience tells him how to anticipate and head off issues or problems before they occur. Scott is not only confidence inspiring -- he delivers!


Dear Scott & Denise: I just wanted to thank you both for helping me get through such a difficult time in my life. You definitely made the experience a lot easier than I thought it would be. I would highly recommend your practice to anyone in need going through bankruptcy.

K. D.

Thank you Scott for your professional and knowledgeable work. Also, props for Denise, your paralegal. Everything was done perfectly and the result showed it. Again, thanks for everything.

J. H.

I hired Scott to represent me in a stressful and unwarranted lawsuit. Scott was thorough, professional, and effective in procuring the best possible outcome for me, and was available for communication at all times.

M. S. (Small business owner)

My fellow former executives and I were involved in a 7 year multi-pronged legal battle spanning several states. During that process we engaged several different law firms. Scott Charmoy rose above all others in his personal interest in our case, his integrity, flexibility and creativity to get to the truth of the matter, which resulted the jury vindicating us.


Attorney Scott Charmoy is a no nonsense, highly trained professional who gets the job done every time. Besides his expertise in the legal system and court procedures he will keep you informed of not only your rights but how the case is progressing at every stage, which I believe is equally crucial when you are facing serious legal problems. I highly recommend Attorney Scott Charmoy. He has gotten me out of 2 major legal problems in 5 years. If I found myself in trouble I again wouldn't hesitate to call upon him for his services as I have the utmost confidence in him and ultimately the end result.

M.P. (Small business owner)

Scott did a terrific job representing my interests in a variety of legal matters over the past two years. He was highly skilled, prompt, professional, and a great communicator. I look forward to working with him in all sorts of situations where I need a steady hand and a smart negotiator.


No one is thrilled with the legal aspects of a divorce, nor with the thoughts of escalating legal bills. However, my representation by Sheila Charmoy of Charmoy & Charmoy removed the stresses and anxiety of a contentious divorce. Upon filing for divorce, my now ex was full of spite, not willing to negotiate or be reasonable, armed with one goal - to make present and future life as emotionally and financially draining as possible for myself and the family. While many people would stress to an ulcer, Sheila made the process better with strong negotiations, forsightful legal knowledge, and sympathetic advice. Her strength is her legal knowledge of the law. I think she even mentioned she reads case law for fun. Hence, legal arguments are always backed up with case law, making for very persuasive arguments in front of a judge. At the time of my eventual trial, my case was strong, and the verdict was predictably fair. Sheila personally cares about her clients, fighting for their best interests. And, if you are lucky enough to end up in a trial like myself, she is fierce enough that you want her on your side. You are in good hands with Sheila and Charmoy and Charmoy


I used the professional legal services of Sheila Charmoy during my divorce proceedings. Sheila proved herself to be a strong advocate and excellent negotiator. She took the time to fully explain and research all my legal options and the end result was a fair and equitable solution. I would highly recommend Sheila to anyone seeking highly professional and dedicated legal service.


I hired Sheila Charmoy to sort out some post-judgment issues with my ex-husband. She is a conscientious, highly knowledgeable, experienced family attorney, who always responded to all my questions, concerns, emails and phone calls. She kept me updated on the status of my case, and was always well prepared, and performed extremely well in the courtroom. She works hard and has a high level of integrity that made me trust her completely. I recommend her without reservation.

LawPay Logo

Make a Payment Online

We accept credit cards with LawPay