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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...

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...

N.S.

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...

D.D.
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