Lobbying Affiliate: MML&K Government Solutions
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Emily H. Cowles


From Our Video Series

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Honors & Awards

  • Kentucky Super Lawyer Top 50, 2018 
  • Kentucky Super Lawyer Top 25 Women, 2018 
  • Super Lawyer 2013-2018 (Creditor Debtor Rights)

Emily Cowles Super Lawyers tag

  • The Best Lawyers in America, 2017-2018 (Mortgage Banking Foreclosure Law)
  • 2016 Continuing Legal Education Award from the Kentucky Bar Association
  • 2014 Top Women in Business, The Lane Report


Kentucky, 2003

U.S. District Court Eastern District of Kentucky, 2005

U.S. District Court Western District of Kentucky, 2005


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

University of Kentucky, Lexington, Kentucky, B.A., Cum Laude, 2000


I am proud of the experience, expertise and business insight that I bring to my clients. I am a respected leader in my area of practice, and I am frequently called upon to speak, write and comment on current legal and industry issues. Responsiveness is the number one goal for me to achieve with each client, I am committed to making them feel as if they are the only one that I am assisting. In this fast-paced world of business, legal counsel must be nimble and responsive. I promise to answer my phone, emails and texts, and provide my various contact information for urgent access. Moreover, I, along with our knowledgeable team of attorneys, have the in-house legal depth to deliver advice and advocacy without delay on virtually any legal issue that arises. Our team of more than 55 attorneys provides greater than 1,000 years of collective knowledge and experience.

My law practice primarily focuses in all areas of equine law and real estate and creditors’ rights; specifically including defense of lender liability issues and commercial litigation, the equine business in general, residential and commercial real estate from the buyer’s, seller’s and lender’s perspective, bankruptcy, and overall corporate matters throughout Kentucky.  These areas transcend into transactional documents such as leases, landlord-tenant law and all aspects of loan work such as  work-outs, commercial and consumer foreclosures, collections, and issues dealing with Articles 2, 3, 4 and 9 under the Uniform Commercial Code.  My clientele includes lenders,  purchasers, sellers and several businesses.  I also have vast experience with employment law issues and handling general day-to-day questions for many of the business I represent in various capacities.   Whether negotiating a lease agreement, documenting a loan transaction, forming a new business venture, or enforcing a loan in court, my clients are more at ease knowing that I will find a solution and exceed their expectations. 


I joined McBrayer after practicing for more than a decade with the boutique creditor rights firm of Morgan & Pottinger, P.S.C., where I was a shareholder for five years, and served on the firm's executive committee and as managing director of the Lexington office for two years. My practice was rapidly growing and I needed more of a full-service law firm such as McBrayer, which has met or surpassed all of my clients’ needs. The McBrayer firm is a family, and we work very well with all the attorneys and staff members throughout the various practice areas.

Kentucky Leader

Community/Civic Leadership

As revealed in my “Kentucky Leader” video, I bring value above my competitor equine lawyers because I have first-hand experience and knowledge in the horse business and culture, which stems from my personal involvement and management of my family's thoroughbred breeding operation located in Lexington. I can certainly speak the language and I am not afraid to wear muck boots when necessary. One could say that I am a steady hand for horsemen, no matter how rocky the ride gets! I also use my leadership skills by donating time to various service projects in Central Kentucky, and particularly with Commerce Lexington. It is because of my passion for the continued growth of Lexington and Central Kentucky that I chose to partner with Commerce Lexington and work to improve our community through economic development in local businesses and surrounding neighborhoods. 

I recently began working with CASA of Lexington. CASA stands for Court Appointed Child Advocates, and the mission of the organization is to provide advocates for abused and neglected children in the court system right here in Lexington. With two young boys of my own, I was compelled to support others to have their needs met and voices heard.

I also have been appointed by the Kentucky Supreme Court to the Inquiry Commission of the Kentucky Bar Association, which receives allegations of professional misconduct by attorneys. I am honored to hold a position that helps preserve the integrity of the legal profession.

Professional Activities

  • Attorney Member, Inquiry Commission of the Kentucky Bar Association, Term from 2017-2020
  • Member, Board of Trustees, Sayre School, Term from 2017-2021.
  • Advocate for CASA, Court Appointed Special Advocates, 2017
  • Fayette County Bar Association
  • Kentucky Bar Association
  • Kentucky Equine Law Association
  • Thoroughbred Owners and Breeders Association
  • American Horse Council
  • Kentucky Equine Education Project
  • Women Leading Kentucky
  • International Women's Insolvency & Restructuring Confederation (IWIRC)

News & Insights


Seminars & Speaking Engagements

  • 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
  • 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




  • Kentucky Leader - Emily H. Cowles - Gunston Hall Farm
  • Emily H. Cowles - Attorney Biography

Creditors' Rights

My creditors’ rights practice encompasses all aspects of banking, finance, litigation, leases and real estate, as well as bankruptcy and corporate matters. Current clients range from large financial institutions to Kentucky’s community banks, as well as every type of business entity. Over the years I have developed a deep understanding of the banking and finance industry, and how I can service my client in the most efficient and cost effective manner. I have far-reaching experience in representing borrowers purchasing a business or acquiring real property, and banks, trust companies, savings institutions, asset-based lenders, commercial finance lenders, conduit lenders, consumer finance companies, consumer start-ups, mortgage bankers, credit card servicers, leasing companies, public accounting firms, special servicers, and other financial service providers. Each year my practice involves documenting, restructuring and judicial enforcement of hundreds of millions of dollars of commercial, consumer, real estate, and special asset secured loans. I also have vast experience defending financing institutions with lender liability issues and handling the demands of litigation that arise. With more than a decade of experience in this area, I understand how the judicial process has changed and how the costs associated with litigation and the typical foreclosure may not be the most effective option for my client, and, thus, I can easily manage the circumstances of any type of issue on a case-by-case basis and find a resolution through valuable negotiations or work-outs.


My expertise in creditor’s rights carries into bankruptcy court, wherein I routinely represent financial institutions, landlords, contractors, vendors, suppliers, and other corporate clients in Chapter 11, Chapter 7, Chapter 13 and Chapter 12 bankruptcy proceedings, including filing of claims, acquisition of adequate protection or relief from the automatic stay, protection of my client’s cash collateral,  preservation of contract rights and unexpired leases, and all types of bankruptcy litigation. In particular, I economically assist our creditor clients with the evaluation, assessment and, if merited, litigation of non-dischargeability actions when fraud, embezzlement, conversion of collateral, or other willful and malicious conduct has occurred.


Equine law is held in especially high esteem at our firm because many of our attorneys, including myself, not only practice equine law, but we participate in the equine industry on a personal level as race horse owners, breeders, sport horse owners participants, and as farm owners. These industry ties and personal experience give myself the unique firsthand knowledge necessary to provide clients with the finest and most comprehensive representation available. I offer representation in equine law issues relating to sales and syndication, partnership formation and dissolution, equine litigation, gaming, administrative law, equine financing and loan documentation, enforcement of loans secured by horses or interests therein, taxation, marketing and advertising, and immigration. I can certainly speak the language and I am not afraid to wear muck boots when necessary. One could say that I am a steady hand for horsemen, no matter how rocky the ride gets! 

Real Estate

McBrayer has a diverse real estate practice which enables our attorneys to provide a high level of service to all or our clients regardless of how large or small the transaction may be. We also have a competent team of title examiners and title agents that are licensed to issue policies by various title agencies. My real estate practice encompasses representation of the creditor on commercial or residential loan documentation and review, complex hotel financing and development projects, as well as commercial landlords, tenants, and commercial and residential buyers and sellers in all phases of real estate transactions. The commitment and value I bring to my clients is to provide high-quality, prompt and responsive service, regardless of the size of the real estate transaction. I offer counsel in all aspects of residential and commercial real estate:

  • Loan documentation and review
  • Purchase and Sale of Residential and Commercial Properties
  • Hotel, Consolidation and Development Projects
  • Leasing — both landlords and tenants
  • Shopping centers, hotels, industrial buildings, apartments and residential real estate development and construction
  • Like-kind 1031 exchanges of real estate
  • EB-5 Financing

McBrayer has the benefit of a team of business lawyers who are skilled at drafting and interpreting contracts and leases, and providing proactive guidance every step of the way through our client’s real estate deal. We also have a solid understanding of all facets of real estate matters including title issues, zoning, covenants, insurance, easements and other property rights issues. I strive to provide insightful solutions to problems which achieve my clients' goals and maximize my clients' tax and financial benefits from each real estate transaction.

Ashland, KYLexington, KYLouisville, KYFrankfort, KY: MML&KFrankfort, KY LawGreenup, KYWashington, D.C.