Jay Howd

Top 15 Consumer Bankruptcy Law
Bankruptcy Clinic, PC
206 W. DeYoung
Marion, IL 62959
(618) 993-1300

Jay B. Howd was born and raised in LaHarpe, Illinois, a small farm community in west central Illinois. Jay graduated valedictorian of his LaHarpe high school class while attaining all-conference status in both football and basketball. Jay's upbringing in LaHarpe was instrumental in teaching him the value of honesty, dedication, and hard work.

Jay graduated with honors from Southern Illinois University in 1989, majoring in Mechanical Engineering and Energy Processes. While in college, he served as president of the Tau Beta Pi engineering honor society of which he remains a lifelong member. Jay attended law school at Southern Illinois University. While there, he served as the Research Editor on the Board of Editors for the Southern Illinois Law Journal.

Jay graduated from law school in December 1991 and started his own practice shortly thereafter. Although he is one of the few registered patent attorneys in southern Illinois, Jay has chosen instead to focus his attention exclusively on bankruptcy work out of a desire to help people in need of assistance. In 1998, Jay became a 50% owner of the Bankruptcy Clinic. In 2008, he became 100% owner. Today, he serves as the President and managing attorney for the firm which has offices in Carbondale, Marion, and Mt. Vernon, Illinois.

During his tenure at the Bankruptcy Clinic, Jay has counseled or co-counseled over 12,000 bankruptcy filings. He is passionate in his desire to make a difference in people's lives. Jay finds great fulfillment in knowing his work has had a profound positive effect on the lives of the clients he has served through the years.

Over the years, Jay's bankruptcy experience has drawn positive media attention. He has been featured on numerous occasions by local television and newspaper affiliates throughout Southern Illinois. Jay has made Southern Illinois his home for over 30 years. He has been happily married to his wife, Donna, for 20 years.

Litigation Percentage

20% of Practice Devoted to Litigation

Certified Legal Specialties

Registered Patent Attorney, U.S. Patent and Trademark Office, 1999

Bar Admissions

Illinois, 1992

Kentucky, 1999

U.S. District Court Southern District of Illinois, 1992

U.S. District Court Western District of Kentucky, 1999

U.S. Court of Appeals 7th Circuit, 1993

U.S. Court of Appeals 11th Circuit, 1993

U.S. Court of Federal Claims, 1994

U.S. Patent and Trademark Office, 1999


Southern Illinois University School of Law, Carbondale, Illinois
J.D. 1992
Honors: Best Journal Comment/Article Award
Honors: National Products Liability Moot Court Team
Honors: Honorary Member American Society of Writers on Legal Subjects (Scribes)
Law Journal: Southern Illinois Law Journal, Research Editor, 1991 ? 1992

Southern Illinois University, Carbondale, Illinois
B.S. (Cum Laude) ? 1989
Honors: President, Tau Beta Pi Honor Society
Honors: Dean's Search Committee
Honors: Recipient of Seven Academic Scholarships
Honors: Dean's List (Four Years)
Honors: Joint Engineering Student Council Member
Honors: Golden Key National Honor Society
Honors: National Dean's List
Honors: Outstanding College Student's of America
Major: Mechanical Engineering and Energy Processes

Published Works

Redefining the Right to Die in Illinois- In re Estate of Longway, 15 S. Ill. U.L.J. 1261 , 15, 1991

Race Exclusive Scholarships ? Will They Survive?, 16 S. Ill. U.L.J. 451, 16, 1992

Representative Cases/

In. re Nance (Redefining Above Median Bankruptcy Practice Under BAPCPA), 371 B.R 358 (S. Dist. Ill. Bankruptcy 2006)

In. Re Barrett (Redefining Vehicle and Housing Deductions Under BAPCPA), 371 B.R. 860 (S. Dist. Ill. Bankruptcy 2007)

Cottril v. Dept. of Treasury, IRS (Discharging Back Taxes in Bankruptcy), 2002 Bankr. LEXIS 1315 (S. Dist. Ill. Bankr. 2002)

Bivin v. Wright, Et Al. (Recognizing a Cause of Action for Clergy Malpractice), 656 N.E.2d 1121 (Ill. App. 5th Dist. 1995)


Featured Speaker ? Practicing Law Under BAPCPA, Bankruptcy Attorneys of Southern Ill., 2006

Professional Associations and Memberships

National Assoc. of Consumer Bankruptcy Attorneys (NACBA), Member

Bankruptcy Attorneys of Southern Illinois (BASIL), Member

Illinois State Bar Association

Kentucky Bar Association

Jackson County Bar Association

First United Methodist Church of Carbondale

Past Employment Positions

Law Office of Jay B. Howd, Owner, 1992 ? 1998

U.S. Dept. of Energy Argonne National Laboratory, Research Assistant, 1987


Tau Beta Pi Engineering Honor Society

Phi Delta Phi Legal Fraternity

Phi Kappa Phi Honor Society