Joan A. Lloyd
How Judge Lloyd rules, drawn from 7 signed orders. Every observation links to the order it came from.
About Judge Lloyd
Joan A. Lloyd has served as a United States Bankruptcy Judge for the Western District of Kentucky since December 1999. She hears bankruptcy matters assigned to that court, including Chapter 13 cases.
Judge Lloyd's practices and standing orders
Rules for cases before Judge Lloyd, as published on the court's website (checked October 10, 2026). Judges revise these often, so confirm the current version on the court's site before you file.
- Judge Lloyd’s hearing and electronic evidence procedures ↗
- Electronic Evidence Presentation System Guide and FAQs ↗
- Requested Language for Motions to Continue Certain Chapter 13 Matters for Bowling Green Cases ↗
Key rules
Filing
For a Bowling Green Chapter 13 confirmation continuance, include Judge Lloyd’s posted language in the proposed order.
“When continuing a confirmation hearing for the Bowling Green division please include this information in the order:”
Conferences
Judge Lloyd does not allow telephonic appearances at hearings.
“Judge Lloyd's policy is not to allow telephonic appearances at ANY hearing, regardless of circumstances or reason for the request.”
Conferences
For a permitted video appearance, contact Judge Lloyd’s court at least two business days before the hearing.
“ANY PARTY WISHING TO APPEAR BY VIDEO CONFERENCE AT ONE OF THE VIDEO CONFERENCE SITES IN THE WESTERN DISTRICT MUST CONTACT THE COURT BY PHONE AT 502-627-5600 OR EMAIL KRISTIN GOSS, COURTROOM DEPUTY AT [email protected]. NO LATER THAN TWO BUSINESS DAYS PRIOR TO THE SCHEDULED HEARING.”
Trial
Attorneys and witnesses must attend Judge Lloyd’s trials and evidentiary hearings in person.
“Judge Lloyd requires in-person attendance of attorneys and witnesses at all trials and evidentiary hearings.”
Trial
For an evidentiary hearing or trial in Louisville Courtroom 1, notify the court at least 14 days before the hearing if evidence presentation equipment is needed.
“Counsel shall 14 days prior to the scheduled evidentiary hearing /trial notify the Court of the need for evidence presentation equipment”
Trial
Parties presenting evidence before Judge Lloyd in Louisville Courtroom 1 must bring a laptop with HDMI or VGA output.
“Parties must provide their own laptop. The laptop must have HDMI (high-definition video devices) or VGA (video graphics array) output.”
Trial
Arrange an orientation for the electronic evidence system through Courtroom Services at least 14 days before the hearing or trial.
“To do so, please contact Courtroom Services, (502) 627-5600, at least 14 days prior to the scheduled hearing/trial.”
Standing orders for every case in this court
Orders the court applies to all of its cases, whichever judge has them, as published on the court's website (checked October 10, 2026).
How Judge Lloyd decides
Patterns drawn from this judge's own signed orders. Every observation links to the order it came from.
What persuades
In Billingsley-Hogue, Lloyd granted summary judgment that a divorce-related debt was nondischargeable and entered a monetary judgment in the creditor’s favor.
“This Court has the authority not only to determine the Dischargeability of the debt owed Teresa, but also to enter a Final Monetary Judgment establishing the amount due.”
Procedural preferences
A request to reconsider a legal ruling does not require an evidentiary hearing when the dispute turns on governing law and the contracts' text.
“This is strictly a matter of law and the Court’s conclusions are based on the law. An evidentiary hearing will not change these conclusions.”
The court allowed a Rule 2004 examination while confining it to the stated subject and excluding discovery in the pending adversary proceeding.
“Any discovery attempts regarding those matters set forth in the pending Adversary Proceeding, A.P. No. 24-03007 are not within the scope of this Order.”
Cautions
The court declined to accept contractual workarounds that displaced the Chapter 7 fee structure established by Congress.
“it is not this Court’s position to find clever ‘work arounds’ of the fee structure determined by Congress. It is this Court’s job to enforce the Bankruptcy Code as written.”
In a Chapter 11 dismissal dispute, the court rejected contractual restrictions on the debtors’ access to bankruptcy relief.
“attempts to limit the Debtors’ access to the bankruptcy process were against public policy and invalid.”
Signed rulings
A grounded sample of orders signed by this judge, with the verbatim dispositive language.
“the Motion to Reconsider or Set Aside Memorandum Decision and Related Orders and to Allow a Response and a Hearing filed by Harris and Harris, PSC, is hereby DENIED.”
In a court-initiated ruling, the court prohibited the bifurcated Chapter 7 fee agreements used in the eleven cases.
“the Motion to Dismiss of Autumn Wind Lending, LLC, be and hereby is, DENIED.”
“the Motion of the Reorganized Debtor, Insight Terminal Solutions, LLC for a Rule 2004 Examination of the City of Oakland, be and hereby is, GRANTED.”
“the Motion to Dismiss filed by the City of Oakland, be and hereby is, DENIED.”
“the Motion for Reconsideration and Relief from Memorandum-Opinion-Order Denying Motion to Vacate Order Granting Rule 2004 Examination of Interested Party Sierra Club, be and hereby is, DENIED in part, AND GRANTED in part”
“For all reasons set forth herein, the Court will grant Teresa’s request for entry of a Judgment”
Draft for Judge Lloyd with the record in hand
Ezel grounds your drafting and research in this profile: what has persuaded Judge Lloyd, and what has not, cited to the signed orders.
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