Financial trouble can strike anyone. Illness or injury, job loss, divorce and other unanticipated events can devastate families, leaving them unable to pay their bills. Credit card debts can be especially overwhelming due to high interest rates and fees.

Attorney Charmoy has aggressively represented his clients in all manner of bankruptcy matters in hundreds of cases. He has substantial experience representing parties on all sides of bankruptcy cases, including business and consumer debtors in cases under Chapters 7, 11 and 13 of the Bankruptcy Code and secured and unsecured creditors. He also represents parties in bankruptcy litigation, including adversary proceedings, contested matters, and appeals.

If you are deep in debt and finding it difficult to meet your monthly obligations, or if you are in a cycle of making minimum monthly payments without reducing your balances, and especially before you borrow money from family members or take an early distribution from a retirement plan to pay your debts, please contact Attorney Scott Charmoy to learn about your debt relief options, including bankruptcy.

Because we provide bankruptcy services to consumers, among others, we have been designated a Debt Relief Agency pursuant to federal law. We help people file for bankruptcy protection and relief under the United States Bankruptcy Code.

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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