Emily H. Cowles


How do you achieve success for clients?

Responsiveness and solid work product are the top goals for me to achieve with each client. If my services include a business or bank transaction, then attention to detail, meeting deadlines and protecting the client in document drafting is how I achieve success. If my services include litigation and enforcement of a contract, then winning and reaching finality of the case is how I achieve success (after all, I am by nature a competitive person!).


Emily Cowles is the leader of Wyatt’s Real Estate & Lending Service Team and 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.

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  • J.D., Capital University Law School, Columbus Ohio, 2003
  • B.A., cum laude, University of Kentucky, 2000


  • Kentucky
  • U.S. District Court Eastern District of Kentucky
  • U.S. District Court Western District of Kentucky


  • Kentucky Super Lawyers®: Top 50 Attorneys in Kentucky, 2018-2020
  • Kentucky Super Lawyers®: Top 25 Women Attorneys in Kentucky, 2018-2023
  • Kentucky Super Lawyers® 2013-2024 (Creditor Debtor Rights)
  • The Best Lawyers in America®, 2021 (Litigation – Labor & Employment)
  • The Best Lawyers in America®,  2021-Present (Banking and Finance Law)
  • The Best Lawyers in America®, 2017-Present (Mortgage Banking Foreclosure Law)
  • The Best Lawyers in America®, 2020-Present (Real Estate Law)
  • Continuing Legal Education Award from the Kentucky Bar Association, 2016
  • Top Women in Business, The Lane Report, 2014


  • 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.


  • 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


  • Board of Directors, Women Leading Kentucky
  • Advocate for CASA, Court Appointed Special Advocates
  • Chairman, Board of Trustees, Sayre School
  • Board of Directors and Compliance Committee – Peoples Exchange Bank


  • 41st CLE Annual Conference on Legal Issues for Financial Institutions, hosted by the University of Kentucky J. David Rosenberg College of Law, “Commercial Real Estate Issues for Bank Counsel” – October 2021
  • 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

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