Howard, 30, has joined Birmingham on a short-term contract until the end of the season after an unhappy 11-game spell in Bulgaria.
The former Barnsley midfielder told Sky Sports News Radio's Football League Hour: "I thought I'd give a foreign club a try. You get promised the world but not all is as it first appears. Your contract is not always worth the paper it's written on, you end up going months without salary, you don't get all the things you were promised.
"I thought what a great opportunity it was. It's a big club with a huge history in Europe. They want to challenge for the title and get back into Europe so I thought what an opportunity for me at this stage of my career.
"But then you go there and you don't receive your salary, there's loads of off-field problems. For the Bulgarian players it's normal, no problem, but the foreign players go in and say 'this isn't normal, it's no way to do it'.
"Then you get bogged down by things and it affects your football. And as soon as that happens there's no point in being there.
"I thought I'd give it a go, but I need to be back in the Championship playing."
Howard trained for the first time with his new team-mates at Birmingham on Thursday and says he is ready for instant selection.
He added: "I'm fully fit. I played my last game for Sofia in mid-December and then we finished for the international break on the 20th but Russell Slade at Leyton Orient was kind enough to let me train while I sorted out getting my contract cancelled.
"Then the gaffer here called me up and said 'I've got young, hungry lads here but I just need someone with that bit of nous, that bit of quality to put their foot on the ball.
"We had a meeting for 20 minutes, shook hands and got it done.
"There seems to be a real good group of hungry lads. You've got some experienced pros in there, the likes of Wade Elliot, Hayden Mullins, Paul Robinson, real good players, then you've got loads of young players that have got great potential. What a great opportunity to play for a big club."
Leicester new boy Kevin Phillips was also on this week's show to discuss his move to the King Power Stadium, while Sheffield United defender Neill Collins and former Blackpool and Barnsley defender Rob Edwards are the studio guests.
Edwards reveals the role he has taken at Manchester City, Collins talks about the differences between David Weir and Nigel Clough at Bramall Lane, and the pair also reminiss about their time together at Wolves.
Also interviewed are Preston striker Kevin Davies, Scunthorpe midfielder Micky Colins and Plymouth Argyle defender Guy Branston.
Listen to the full Football League Hour Podcast here or via the Soundcloud player below.