H-LOC, abbreviation for Hot Lunch on your Chest. hot lunch is defined here well, and the rest is self explanatory. Often used to ridicule or insult someone, most often a dirty or unkempt individual.
Gross Neil, get that H-LOC off of you before it crusts into your chest hair.
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Historically linked to thieves, but more recently associated with just about anything. Someone who picks something apart a tiny bit at a time. One can chisel on another's stash, their money, their air, their space, their game, their well-being...whatever.
You drank my last beer Neil, you worthless chiseler.
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