Chapter 7

In a Chapter 7 Bankruptcy, you do not make any payments to creditors. A Chapter 7 Trustee is appointed to administer your real and personal property, and determines whether to sell it to pay off your creditors. This decision is based on factors such as whether the value of the property exceeds the amount of debt on the property, the nature of the exemption claimed on the property, and costs associated with the sale or liquidation of the property. Generally, and except for judgment liens, you cannot affect mortgages or vehicle loans in a Chapter 7. There are also income restrictions on qualifying for a Chapter 7. Although Chapter 7 business debtors do not received discharges, a filing may benefit your business under certain circumstances. During your initial consultation, Attorney Scott M. Charmoy will discuss the advantages and disadvantages of filing a Chapter 7, as well as what to expect.

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...


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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