Scott M. Charmoy is a partner in Charmoy & Charmoy, LLC, with offices in Westport and Stamford. His practice focuses on debtor and creditor representation in consumer and business bankruptcy cases and on commercial, business and civil litigation, including foreclosure defense.

National Association of Consumer Bankruptcy Attorneys

Scott is an active member of the American, Connecticut and Greater Bridgeport Bar Associations. He has lectured numerous times on bankruptcy matters for the Greater Bridgeport and Connecticut Bar Associations, and has provided expert testimony on bankruptcy matters. Scott has also served on the Town of Trumbull’s Board of Assessment Appeals, and currently serves on the Town of Easton’s Board of Assessment appeals and Board of Zoning Appeals. He is a James W. Cooper Fellow, and has been selected as a Superlawyer since 2019. He regularly participates in the Judicial District of Fairfield/Bridgeport’s Volunteer Attorney Program assisting indigent clients in the foreclosure process. He graduated from Duke University in 1992 and from Washington University School of Law in 1995.

Representative Cases

  • Halo, Inc. vs. Cooper, et al, 3:07-CV-489 (SRU) (Federal Jury Trial)
  • Desormes v. Infilaw Corp. (In re Desormes), 569 F. App’x 42 (2d Cir. 2014)
  • Small v. Neighborhood Hous. Servs. of New Haven, 589 B.R. 31, 32 (D. Conn. 2018)
  • Murphy v. Snyder (In re Snyder), 939 F.3d 92 (2nd Cir 2019)
  • Guardian Alarm Servs. v. Rossman (In re Rossman), 2019 Bankr. LEXIS 2279 (D. Conn. 2019)

Representative Lectures, Webcasts and Discussion Panels

  • What You Need to Know about the “Means Test:” Hot Topics for Chapter 7 and 13 Cases, Connecticut Bar Association, October 2017
  • Individual Chapter 11 practice, October 2018, Connecticut Legal Conference.
  • Interplay of bankruptcy and divorce, February 2019, Fairfield County Bar Association
  • Introduction to Consumer Bankruptcy Practice, Statewide Legal Services, January 2020
  • The Small Business Reorganization Act (Subchapter V), Connecticut Bar Association, January 2020
  • Impact of bankruptcy on divorce, Connecticut Bar Association, February 2020
  • An Introduction to Consumer Chapter 7 and Chapter 13 Bankruptcy, Connecticut Bar Association, May 2020.
  • Post-petition income for above median income Debtors and the impact of US Bank vs. Mamudi, Connecticut Legal Conference, November 2020


  • Washington University School of Law - 1995
  • Duke University - 1992

Professional & Bar Association Memberships

  • Greater Bridgeport Bar Association
  • Connecticut Bar Association
  • National Association of Consumer Bankruptcy Attorneys

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...


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...


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...

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