Hoskins Turco Lloyd & Lloyd Blog

Many individuals that receive a bankruptcy discharge are still haunted by the debts that the bankruptcy has discharged. These still appear on the credit reports and can have many negative effects on the individual. A lot of people who are making a new financial start find it difficult to find the type of employment they […]

If you’ve gotten a new credit card recently, you may have noticed it has a tiny microchip embedded in it. This is an EMV chip, and you’ll likely see one in each of your cards soon. But don’t worry, this is a positive change: EMV chips make your point-of-sale transactions more secure and allow you […]

The rules and regulations contained in the Fair Debt Collection Practices (FDCPA) place strict limits on the individuals that debt collectors are allowed to contact about any debt you may owe.  In most situations, collectors and collection agencies are only allowed to communicate with you or your attorney.  Collectors are even prohibited from leaving messages […]

Should judges be allowed to embellish their robes or wear different colors? For Florida’s highest court, the issue is black and white, or make that solid black. On September 10, 2015, the Supreme Court approved a rule that prevents judges throughout the state of Florida from wearing colorful robes or other adornments while presiding over […]

Let’s face it—Florida is a rainy state, and, as the phrase goes here, “If you don’t like the weather, wait 15 minutes and it will change.” Rain causes thousands of car accidents each year in Florida, and rain is especially dangerous when there are heavy, pouring down rainstorms.  You’ve probably even said out loud, “People […]

One of the most misunderstood aspects of filing for bankruptcy in Florida is the implication that taking action means the filer is going to lose everything.  Contrary to popular belief, the idea behind personal bankruptcy is to help individuals who find themselves in unexpected financial difficulty land back on their feet. There is a general […]

As we near the end of August, it is common for dealerships to advertise steep discounts for prior model year vehicles in an attempt to make room for new cars.  This year is no different.  However, the 2015 models are not without their flaws, as this past year has witnessed a record-breaking recall of over […]

Many individuals may assume that a personal injury attorney automatically specializes in that area of law, or that attorneys can call themselves personal injury specialists if they practice no other area of law.  However, this is not true.  The Florida Bar prohibits attorneys from claiming to be specialists unless they meet the rigorous requirements of […]

Snow and ice are not the most deadly driving hazards. Turns out its rain. A new federal study reports rain causes more driving fatalities than snow in 39 out of the 50 states.  In fact, car accidents are the deadliest weather hazard in the United States—whether caused by rain, snow, fog, or wind—and kill about […]

Negligent drivers are not the only cause of car accidents.  Victims of automobile accidents often do not realize that improper highway designs and conditions may have played a role in the accident, or even caused it.  Governments can be held accountable for creating defective, hazardous roadways. Interstate 95 in south Florida is designated “ground zero” […]

With school out for summer and temperatures hovering in the nineties, many Floridians are spending more time at the pool. But, one common pool activity—practicing holding one’s breath—may be more lethal than one might think. The Centers for Disease Control and Prevention (CDC) released a report on May 22, 2015, stating holding one’s breath can […]

Summer is the season for outdoor parties, beach excursions, road trips, vacations, summer camps, and a variety of events that teens enjoy.  It’s the time of the year that every teen driver anxiously awaits—a period of time with extended freedom and lax schedules.  Unfortunately, because of this added freedom and the extra time behind the […]