Connecticut Bar Association
Connecticut Bar Foundation
Super Lawyers - Selected in 2019 Badge
National Association of Consumer Bankruptcy Attorneys
GGBA
The South Asian Bar Association of Connecticut
Super Lawyers - Scott M. Charmoy

Credit Counseling

Credit Counseling & Debtor Education

You must obtain a credit-counseling certificate from an approved credit counselor within 180 days prior to filing your bankruptcy in order to be eligible to file. You must also obtain a Debtor education certificate from an approved provider in order to get your discharge. You can obtain a list of credit counselors and debtor education providers approved by the United States Trustee's Office.

Please contact Attorney Scott M. Charmoy at (203) 255-8100 to discuss your case.

Client Reviews
★★★★★
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. J.M.
★★★★★
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. N.S.