Attorney Colin Lloyd: Let’s start by changing the way you think about the word “Bankruptcy”

colin lloyd bankruptcy attorney
Colin Lloyd Senior Partner , Bankruptcy Attorney

Before you can consider whether Chapter 7 or Chapter 13 is right for you, first must change the way you perceive the word “Bankruptcy.” Declaring bankruptcy is not about failure or embarrassment, Bankruptcy is about having the wisdom and wherewithal to pursue your rights per the United States legal court system to stabilize your situation and stave off creditors so you can successfully re-start your financial future.

In a Bankruptcy Proceeding, when your financial security is at stake, it is important to hire an experienced and competent bankruptcy attorney to guide the way and ultimately ensure you receive that in which you are legally entitled — A Financial Fresh Start! And when it comes to selecting that attorney, it makes sense to hire a local Bankruptcy Attorney, such as Colin Lloyd, who has the legacy, experience, and resources to fight for your future.

Bankruptcy is the legal means by which an individual or incorporated business reduces or completely eliminates financial obligations, thereby providing a Fresh Start. The Courts understand that financial hardships exist, often at no fault of the individual, and allows debts to be eliminated, reduced or simply provide time to catch up on missed payments.

Bankruptcy — Understanding the facts and fallacies.

It is a major misconception that if you file bankruptcy you will lose your house, your car and it will destroy your credit. These are all misconceptions and an experienced bankruptcy attorney can ensure that the Court will not seize your assets and oftentimes credit scores increase after filing for bankruptcy protection.

Bankruptcy can be a complex process, and with many years experience as a bankruptcy attorney here in Port St. Lucie, Vero Beach, Fort Pierce, and Okeechobee, Colin Lloyd has the expertise to guide you through this difficult time. And because your financial outlook is at risk, we provide FREE same day consultations so you can learn your options and start looking forward to your financial future.

Which form of Bankruptcy is right for my situation?

Chapter 7 (Liquidation) – A Chapter 7 Bankruptcy is the most common and traditionally what most individuals believe to be a bankruptcy filing. In a Chapter 7, most debts are immediately discharged within a few months of filing bankruptcy. The Court does restrict the amount of assets an individual may protect before being required to turnover such unprotected assets to the Court. An experienced bankruptcy attorney at our firm will carefully review your assets to ensure that this does not happen without your consent prior to filing the bankruptcy petition.

Chapter 13 (Reorganization) – A Chapter 13 Bankruptcy is where an individual proposes a payment plan with the Court whereby payments are made on a monthly basis to the Court. The Court does not seize assets, rather allows an individual who has more assets than can be protected to voluntarily set up a payment plan to keep those assets. The Court additionally allows an expanded or Super Discharge in a Chapter 13 Bankruptcy where certain debts that are nondischargeable in a Chapter 7 can be discharged.

It is often possible to eliminate a 2nd Mortgage on an individual’s homestead real property and/or reduce the mortgage on a piece of non-homestead real property to fair market value. This mortgage modification allows individuals to eliminate tens of thousands, even hundreds of thousands of dollars more than they ever believed was possible. An experienced bankruptcy attorney is critical to have on your side to ensure you maximize the benefit of your bankruptcy filing.

At Hoskins, Turco, Lloyd & Lloyd our experienced team of Bankruptcy attorneys, led by Bankruptcy Attorney and Partner Colin Lloyd, have helped thousands of clients make a fresh start and get back on their financial feet. During your complimentary bankruptcy consultation at any of our offices in Port St. Lucie, Vero Beach, Fort Pierce, and Okeechobee we’ll sit down with you and take the time to discuss the personalized Bankruptcy or Foreclosure option that best fits your particular scenario. And we have developed customized payment plans which are also tailored to your specific financial situation.

To schedule your complimentary consultation with Colin Lloyd Bankruptcy Attorney in Port St. Lucie, Vero Beach, Fort Pierce, or Okeechobee, call 866-460-1990 or visit the contact page.

We are a debt relief agency and attorneys. We help people file for Bankruptcy relief under the Bankruptcy Code. The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free information about our qualifications and experience.

Types of Bankruptcy
In a Bankruptcy Proceeding, when your financial security is at stake, it is important to hire an experienced and competent bankruptcy attorney to guide the way and ultimately ensure you receive that in which you are legally entitled. We are here to help.
Mortgage Foreclosure Attorney Florida
Chapter 13 Bankruptcy Attorney Florida
Chapter 7 Bankruptcy Attorney Florida
Our Bankruptcy Attorneys:
colin lloyd bankruptcy attorney
Colin Lloyd,
Senior Partner , Bankruptcy Attorney
Justin Lefko,
Bankruptcy Attorney

What Our Clients are Saying

I was told by a friend that Steve Hoskins was a good attorney. I called when I had my accident, he held my hand throughout the whole process. Just because you get in an accident doesn’t mean your life is over. They helped me through every step with respect. If anyone ever asked me I would highly recommend Mr. Hoskins. They treated me like family. It definitely has been a pleasure working with him. He was nice and very respectful to me, I will be paying it forward.

We have used this firm for many legal issues. From the front desk to the courtroom, the compassionate people in this firm make us feel like family. Wins or losses aside, we always feel they did their very best for us. The fees are well within the FL average, and well worth the dollars spent. Mostly the little extra the assistants do is the glue that holds the office together.

We have recommended the firm at least every other month for one of the many types of law they are proficient with, for the past 18 years

Sometimes in Life the Unexpected happens and it is nice to know you can count on HTLL Firm. I had many Questions and they always came back with answers very quickly. Not many Law Firms do that. No matter how small it may seem to them your questions are not small to you and you want answers NOW. They did that and gave you different options as well. Thank You for helping me out in a very difficult time in My Life.

Thank you all for helping me at a difficult time in my life. I appreciate the time and care you took with my case. Answering all my questions, taking me through the process and always receiving an immediate response. I will highly recommend you to friends and family if they need a good Firm. I especially want to Thank Justin, Colin, and Jennifer, who worked closely with me. My experience with your Firm has changed my view to a positive one, when working with attorneys who really care about me and what’s best as a Client. Thanks again!

They exceeded all of my expectations. Specifically my attorney Taylor Hoskins. They dealt with the insurance companies, doctors, and so much more. I was involved in a motorcycle accident and needed help desperately. Not only did they deal with the issues of the lawsuit, they treated me with compassion and care. I also had to get disability and they took care of that. I received disability in only 5 months! All of the staff was caring and hands on. There was not one time that I was disappointed! Not once. I highly recommend this law firm. 

Verdicts and Settlements

$1.2 Million

Auto Accident Settlement

$1.6 Million

Wrongful Death Settlement

$11.1 Million

Settlement for motorcycle accident


Ft. Pierce Office
302 South Second Street
Ft. Pierce, FL 34950
Phone: (772) 464-4600
Fax: (772) 465-4747
Port St. Lucie Office
1887 S.E. Port St. Lucie Blvd.
Port St. Lucie, FL 34952
Phone: (772) 344-7770
Fax: (772) 344-3838
Okeechobee Office
402 NW 3rd Street
Okeechobee, FL 34972
Phone: (863) 357-5800
Fax: (863) 763-2237
Vero Beach Office
2101 15th Avenue
Vero Beach, FL 32960
Phone: (772) 794-7774
Fax: (772) 794-7773