Scott M. Charmoy

Attorney Profile

Top Rated Bankruptcy Attorney in Westport, CT

Charmoy & Charmoy
 | 1465 Post Rd E, Suite 100
Westport, CT 06880
Phone: 203-255-8100
Selected To Super Lawyers: 2019 - 2021
Licensed Since: 1995
Practice Areas:
  • Bankruptcy: Consumer (60%),
  • Creditor Debtor Rights: Consumer (20%),
  • Business Litigation (10%),
  • Civil Litigation: Defense (10%)
    Attorney Profile

    A co-founder of Charmoy & Charmoy, Scott M. Charmoy divides his practice between foreclosure defense and bankruptcy. With offices in Fairfield and Stamford, Connecticut, he provides astute representation to clients throughout Fairfield County, including Bridgeport, Westport, and Norwalk. Mr. Charmoy has been admitted to practice before all Connecticut state courts since 1995 and before all Illinois state courts since 1996.

    A significant portion of Mr. Charmoy's client base consists of area residents who have become overwhelmed by their financial obligations. His experience in this regard has included the two principal forms of consumer bankruptcy, Chapter 7 and Chapter 13. In the former, which is often referred to as liquidation bankruptcy, a person's nonexempt assets are sold by the trustee, with the proceeds being used to repay creditors. The remaining balances of most unsecured debts are then discharged. Chapter 13 bankruptcy is designed for people who have a steady source of income. Under this chapter, a debtor prepares and submits to the court for its approval of a repayment plan, which can last for up to five years. There are certain debts that receive priority for payment.

    Mr. Charmoy has also represented creditors in these proceedings, and his experience also extends to Chapter 11 for business owners and their companies. He also provides advice and counsel to homeowners who are in default on their mortgages and who are in danger of losing their homes. He works with them in seeking mortgage modifications as well as in mediation and litigation. Mr. Charmoy received his Juris Doctor in 1995 from Washington University in St. Louis School of Law, and his professional affiliations include the National Association of Consumer Bankruptcy Attorneys.

    We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.

    Practice Areas
    • 60%Bankruptcy: Consumer
    • 20%Creditor Debtor Rights: Consumer
    • 10%Business Litigation
    • 10%Civil Litigation: Defense
    Focus Areas



    Selected to Super Lawyers for 3 yearsbottom-image

    Super Lawyers: 2019 - 2021

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    About Scott Charmoy

    Admitted: 1995, Connecticut

    Professional Webpage:

    Bar/Professional Activity:

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

    Pro bono/Community Service:

    • Bridgeport Foreclosure Volunteer Attorney Program
    • Town of Trumbull Board of Assessment appeals since 2004

    Scholarly Lectures/Writings:

    • Lectured for the Connecticut Bar Association on bankruptcy matters and has written numerous articles for the Greater Bridgeport Bar Association newsletter

    Educational Background:

    • Duke University, 1992
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    Office Location for Scott M. Charmoy

    1465 Post Rd E
    Suite 100
    Westport, CT 06880

    Phone: 203-255-8100

    Scott M. Charmoy:

    Last Updated: 2/2/2021

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