How to choose a bankruptcy attorney in Florida: 5 factors to consider

When you’re facing financial stress, the idea of filing for bankruptcy can feel overwhelming. At Hoskins, Turco, Lloyd & Lloyd, we understand how difficult this time can be—and we also know that when you choose a bankruptcy attorney who’s right for you, it can make all the difference in finding relief, clarity, and a fresh start.

But not all bankruptcy attorneys are the same. The right attorney will not only guide you through the legal process but also protect your assets, ease your stress, and help you avoid costly mistakes. Before you make a decision, here are five key factors to consider—and how they can directly impact the outcome of your case.

5 factors to consider when you choose a bankruptcy attorney

To help you make a confident and informed decision, we’ve outlined five essential factors to consider when you choose a bankruptcy attorney in Florida.

1. Experience with Florida bankruptcy law

Bankruptcy law is complex, and it can vary depending on your state and district. You want an attorney who is deeply familiar with the Southern, Middle, or Northern District of Florida, understands the nuances of Florida’s exemptions, and has a successful track record handling Chapter 7 and Chapter 13 cases in the state.

Look for:

• Years of bankruptcy experience
• Local court knowledge
• Familiarity with trustee expectations and procedures in your district

2. Personalized, compassionate service

Bankruptcy is personal. Your attorney should treat it that way.

You deserve someone who listens, answers your questions clearly, and helps you understand all your options—not just bankruptcy. A good bankruptcy attorney will review your full financial picture, explain alternatives like debt settlement or negotiation, and never rush you into a decision.

Look for:

• A free, no-pressure consultation where the attorney takes time to understand your financial situation and answers your questions without judgment.
• Willingness to explore all solutions, including alternatives to bankruptcy, like debt settlement or payment restructuring.
• Clear explanations in plain language—not just legal jargon—so you feel empowered to make informed decisions.

3. Transparent fees and fair pricing

Finances are tight—that’s why you’re here. A trustworthy bankruptcy attorney will be up front about fees from the start, with no surprise costs later.

Look for:

• A detailed breakdown of fees
• What’s included (court filing fees, credit counseling, etc.)
• Payment plan options if needed

We strive to make our services affordable and accessible, because we know peace of mind shouldn’t come with a heavy price tag.

4. Availability and communication

When you’re in a stressful situation, waiting days for a callback can make it worse. A reliable attorney should be responsive, communicative, and available to walk you through each step—before, during, and after the filing.

At Hoskins, Turco, Lloyd & Lloyd, our clients work directly with experienced attorneys and legal staff who are always just a phone call or email away.

Look for:

• A bankruptcy attorney who lives in your area. Local attorneys often have better insights into regional challenges and resources, and you can meet with them face-to-face when needed.
• A firm that assigns you a dedicated case manager to be liaison—someone who can answer your day-to-day questions, help with document gathering, and keep you updated on your case’s progress. This level of support reduces stress and keeps communication flowing.
• A firm that prioritizes returning calls and emails promptly—ideally within 24 hours.

5. Reputation and client reviews

One of the best ways to gauge a bankruptcy attorney’s quality is by looking at client testimonials and peer reviews. Are past clients satisfied? Do they feel supported, informed, and respected?

We’re proud of the trust we’ve earned in Florida communities over the years and invite you to read what others have shared about their experiences with our team.

Look for:

• Reviews on the firm’s website.
• Reviews on third-party sites, like Google and Yelp.
• Firms that can offer real-world examples of how they have helped individuals in similar financial situations.

Hoskins, Turco, Lloyd & Lloyd checks all the boxes

At Hoskins, Turco, Lloyd & Lloyd, we know that choosing a bankruptcy attorney is a major decision. That’s why we’ve built our practice around the five factors that matter most when you’re looking for real support and real solutions:

Experience with Florida bankruptcy law – Led by Attorney Colin Lloyd, our bankruptcy department has over 25 years of bankruptcy experience on the Treasure Coast and throughout Florida. We’ve successfully handled hundreds of Chapter 7 and Chapter 13 cases across state and federal courts. We’re deeply familiar with Florida’s unique exemption rules and local trustee expectations—and we use that knowledge to help protect what matters most to you.

Personalized, compassionate service – Our team doesn’t believe in one-size-fits-all advice. We sit down with you, review your financial situation, and walk through all your options—including non-bankruptcy alternatives—so you can choose the path that’s right for you. One of our recent clients shared that, “Everyone was professional, courteous, and caring. I wouldn’t hesitate to use them if ever needed again in the future.”

Transparent fees and fair pricing – We know that if you’re exploring bankruptcy, money is already tight. That’s why we offer clear payment plans and no hidden costs—ever. During your free consultation, we’ll give you a full breakdown of what to expect, so there are no surprises.

Availability, local presence and communication – Our Treasure Coast attorneys live and work in the communities we serve, and that means you’re not dealing with someone in a call center or across the state. You’ll be paired with a dedicated case manager who is your direct line of contact for questions, updates, and support throughout the process. Our team makes it a priority to return calls and emails within 24 hours—and often sooner.

Reputation and client trust – We’re proud of the reputation we’ve earned as a firm that genuinely cares. We’ve helped hundreds of Floridians get back on their feet, and many of our clients come from referrals and word-of-mouth. Our online reviews consistently highlight how we’re “compassionate,” “clear,” and “committed to results.” Our firm has over 500 5-star reviews on Google and Birdeye. Read some of our reviews here.

Struggling financially and unsure where to turn?

Call 866-930-6435 for a free consultation with our experienced bankruptcy attorneys.

If you’re considering bankruptcy and want trusted guidance from a team that puts your needs first, we’re here to help. Call Hoskins, Turco, Lloyd & Lloyd to speak with a bankruptcy attorney today. Your free consultation is confidential, compassionate, and designed to help you understand your options—so you can take the first step toward a fresh start.

Contact us today for a FREE consultation by calling 866-930-6435