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Foreclosure Defense

Severe illness, job loss, divorce or other unanticipated events can devastate families, leaving them unable to make their mortgage payments. Attorney Scott Charmoy combines his bankruptcy and foreclosure experience to best represent you in seeking the most beneficial and cost effective approach to defending your foreclosure, whether that be pursuing a mortgage modification through the court sponsored mediation process, defending the foreclosure, or filing a bankruptcy case. He has also defended commercial foreclosures on business property and negotiated restructuring of business debt.

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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