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He also opposed the homestead exemption, "which protect[s] the debtor class from the just demands of the creditor class".
He lobbied for public education, militia and prison reforms, business subsidies, and legislation favorable to the state's large debtor class.
Although a wealthy landowner himself, Garrard advocated protecting Kentucky's large debtor class from foreclosure on their lands.
The primary issue in the campaign was relief for the state's large debtor class, still reeling from the Panic of 1819.
The federal government had created the Second Bank of the United States in 1817, and its strict credit policy hit Kentucky's large debtor class hard.
Sitting governor Gabriel Slaughter had lobbied for some measures favored by the state's large debtor class, particularly punitive taxes against the branches of the Second Bank of the United States in Louisville and Lexington.
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If you have an attorney, then you generally must file Form B23 in court once it has completed the debtor education class.
In return, the companies try to collect not only the unpaid check, but also high fees from debtors for a class on budgeting and financial responsibility, some of which goes back to the district attorneys' offices.
This was great news for debtors, the working class, and new entrepreneurs.
On Monday, word came in The Chicago Tribune that Sam Zell, the architect of a deal that left the Tribune Company in bankruptcy with $13 billion in debt, may now be in line to recoup some of his initial $315 million investment because of a judge's ruling on another class of debtor.
"It just seems to me that it is bad policy to single out a narrow class of debtors for punishment," said Representative Henry J. Hyde, Republican of Illinois, an abortion opponent who is a member of the Senate-House conference committee on the bankruptcy bill.
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