Thomas Howard

Since earning his law license in 2008, Thomas Howard has focused on representing financial institutions, particularly in enforcing security interests. Over the past decade, he has been instrumental in guiding community banks through intricate commercial workouts involving sophisticated financial products. His litigation experience encompasses contested contract cases across various theories.

Thomas Howard has been recognized as a Rising Star by Super Lawyers and as an Emerging Lawyer by Leading Lawyers since 2015. His practice is centered on representing secured creditors in all aspects of commercial loan enforcement, from initiating workouts to enforcing judgments. He is an active member of the Illinois State Bar Association Section Council for Commercial Banking, Bankruptcy, and Collections, and his expert insights have been featured in publications like the Wall Street Journal. In 2021, he earned certification as a Certified Ganjier.

His work frequently involves Uniform Commercial Code issues, replevins, guaranty actions, and bankruptcy cases. He has successfully resolved numerous multi-million dollar non-performing loans for community banks throughout Illinois.

Throughout his career, Thomas has represented both financial institutions and business creditors in commercial litigation and bankruptcy matters. His extensive experience includes real estate mortgage foreclosures, replevins of personal property, and suits on notes and guaranties. He is committed to enforcing creditors' rights in loan workouts and bankruptcy proceedings.