Emily H. Cowles


P 859-288-7484

F 859-259-0649


250 West Main Street

Suite 1600

Lexington, KY 40507


Emily Cowles concentrates her practice in all areas of real estate law, creditors’ rights, civil litigation, business and corporate law, employment law, and equine law.  Her work includes defense of lender liability issues and commercial litigation, residential and commercial real estate and foreclosures, bankruptcy, and overall banking matters throughout Kentucky. These areas transcend into transactional documents such as complex loan documents, leases, landlord-tenant law and all aspects of loan work such as work-outs, construction loans, development, collections, and issues dealing with Articles 2, 3, 4 and 9 under the Uniform Commercial Code. Her clients include lenders, purchasers, sellers and numerous businesses. She also has vast experience handling general day-to-day questions for many of the small businesses she represents in various capacities. 

  • Professional Experience 

    Prior to practicing law in the private sector, Ms. Cowles served as staff attorney in the Fayette Circuit Court and in the Kentucky Court of Appeals for the Honorable Laurance B. VanMeter. 

  • Honors 

    • Kentucky Super Lawyers®: Top 50 Attorneys in Kentucky, 2018-2020
    • Kentucky Super Lawyers®: Top 25 Women Attorneys in Kentucky, 2018-2020
    • Kentucky Super Lawyers® 2013-2020 (Creditor Debtor Rights)
    • The Best Lawyers in America®, 2021 (Litigation - Labor & Employment)
    • The Best Lawyers in America®,  2021 (Banking and Finance Law)
    • The Best Lawyers in America®, 2017-2020 (Mortgage Banking Foreclosure Law)
    • The Best Lawyers in America®, 2020 (Real Estate Law)
    • Continuing Legal Education Award from the Kentucky Bar Association, 2016
    • Top Women in Business, The Lane Report, 2014
  • Education 

    2003 - J.D., Capital University Law School, Columbus Ohio

    2000 - B.A., cum laude, University of Kentucky

  • Speaking Engagements 
    • Commerce Lexington's EMERGE Conference, UK Gatton Student Center, Lexington, KY, March 2019
    • UK Law Real Estate & Practice Institute, "Foreclosure and Insolvency Issues in Real Estate," Lexington, KY, April 2017
    • UK Law Collection Law Conference, "Post Default Remedies for Creditors," Lexington, KY, March 2017
    • Back-End Foreclosures and Workouts, National Business Institute, Louisville, KY, December 2015
    • National Business Institute, Equine Law: "Drafting, Contracts and Agreements," "Boarding Issues Generally," "Special Topics in Equine Law," "Ethics for the Equine Lawyer," 2014
    • Fayette County Bar, Uniform Commercial Code Update: "Attachment, Perfection and Enforcement," 2010
    • University of Kentucky National Equine Law Conference: "Unique Breeding Practices," 2009
  • Professional Activities and Memberships 
    • Kentucky Bar Association
    • Fayette County Bar Association
    • Chairman, Inquiry Commission of the Kentucky Bar Association, 2017-2020
    • International Women's Insolvency & Restructuring Confederation (IWIRC)
    • Thoroughbred Owners and Breeders Association
    • Kentucky Horse Council
  • Admissions 


    U.S. District Court Eastern District of Kentucky

    U.S. District Court Western District of Kentucky

  • Civic Involvement 
    • Board of Directors, Women Leading Kentucky
    • Advocate for CASA, Court Appointed Special Advocates
    • Vice-Chairman, Board of Trustees, Sayre School