Jeanne Ann Pennebaker

PRO

Jeanne Ann Pennebaker

also known as JA Debt Law, Jeanne Ann Pennebaker, PLLC

5.0
Rating: 10.0

Licensed for 36 years

Bankruptcy and debt Lawyer at Charlotte, NC
Practice Areas: Bankruptcy & Debt, Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, Debt Settlement

6047 Tyvola Glen Circle, Charlotte, NC

Virtual Consultation Available

Free Consultation

About Jeanne

Biography

Helping people get a fresh start for over 32 years. My client reviews say it all. Call for free consultation.

Helping people get a fresh start for over 32 years. My client reviews say it all. Call for free consultation.

Helping people get a fresh start for over 32 years. My client reviews say it all. Call for free consultation.

Helping people get a fresh start for over 32 years. My client reviews say it all. Call for free consultation.

Bringing 32 years experience to debt settlement and negotiation with creditors. Call for a free consultation.

Practice Areas

4

Practice Areas

Bankruptcy and Debt 55%

Any type of Bankruptcy or Debt Negotiation. I've handled all types of Bankruptcies (Chapter 7, 11, 13).

38 years

55%
Chapter 13 Bankruptcy 15%

Chapter 13 allows for a manageable Payment Plan to be structured that works for you.

38 years

15%
Chapter 7 Bankruptcy 15%

A "Fresh Start" in which you can potentially get most of your debt discharged.

38 years

15%
Debt Settlement 15%

Negotiate a settlement on a single or several creditors

38 years

15%

Fees and Rates

Cost

Free Consultation

$0 first 30 minutes


Payment Methods

  • Cash
  • Check
  • Credit Card

Awards

Client's Choice
Client's Choice
2025 2024 2023
...
+ 5

Licenses

Licensed in North Carolina for 17 years

State: North Carolina

Acquired: 2009

Active

No misconduct found

Licensed in Illinois for 36 years

State: Illinois

Acquired: 1989

Retired

No misconduct found

Location

Parking is Free

6047 Tyvola Glen Circle, Charlotte, NC, 28217

jadebtlaw.com/

Online Presence

Other places you can find Jeanne online.

Jeanne Ann Pennebaker's Reviews

Avvo Review Score

5.0 /5.0

78 Client Reviews

Showing 1 - 5 of 9 reviews | Compassion

Posted by Nelten1 | January 03, 2025 | Hired Attorney | Chapter 13 Bankruptcy

Exceptional, Compassionate, and Dedicated Chapter 13 Attorney!

I cannot recommend Attorney Jeanne Pennebaker highly enough! From the moment I retained her for my Chapter 13 case, she exhibited unmatched professionalism, compassion, and dedication. Navigating the complexities of the Chapter 13 process was overwhelming, but she made the entire process manageable,... taking the time to explain every detail and ensuring I was always informed. Over the past five years, she has consistently gone above and beyond my expectations. Her thoroughness and expertise were evident in every interaction, and she listened and treated my case with the utmost care and respect. No question was too small, no concern too trivial—she was always there to guide and support me through it. Thanks to her unwavering commitment, my case was discharged my plan and I am now in a much better financial position. If you’re looking for a compassionate, knowledgeable, and dedicated attorney, Jeanne Pennebaker is definitely the one to call. She truly changed my life, and I am forever grateful!

Posted by Pete | May 28, 2024 | Hired Attorney | Chapter 13 Bankruptcy

Review for Jeanne Ann Pennebaker of JA Debt Law

I am deeply grateful for the exceptional service provided by Jeanne Ann Pennebaker at JA Debt Law. Navigating a Chapter 13 bankruptcy is never easy, but Jeanne Ann made the process as smooth and stress-free as possible, a relief in such a challenging time. From the beginning, she handled my case with... compassion and professionalism. One of the standout aspects of Jeanne Ann's service was her exceptional communication skills. For instance, she would always respond to my emails within 24 hours, and during our phone conversations, she would patiently explain complex legal terms in a way that I could understand. Her thorough explanations and patient guidance not only made a challenging situation much more manageable, but also instilled a sense of trust and reassurance in me. We encountered financial impediments during our Chapter 13 plan that threatened to derail our progress. However, Jeanne Ann's unwavering dedication and expertise were instrumental in helping us navigate these challenges. She worked tirelessly with the court to address these issues and get us back on track. Thanks to her, we successfully completed the plan and received our discharge, a testament to her unwavering commitment to her clients. I highly recommend Jeanne Ann Pennebaker and JA Debt Law to anyone needing bankruptcy services. Her compassionate approach, prompt communication, and deep understanding of bankruptcy law set her apart. I couldn't have asked for a better attorney to help me through this difficult time.

Jeanne Pennebaker

Replied last May 28, 2024

Oh my gosh, thank you! It was a pleasure to help you reach your financial goals and get back on track.

Posted by anonymous | May 08, 2018 | Hired Attorney

Client

Jeanne Ann made a difficult situation easier to go through. The first time we talked, she made me feel comfortable. She immediately formulated a plan and took action immediately to help alleviate the stress I was under. She was extremely knowledgeable and professional. More importantly, she showe...d empathy during my difficult situation. She really did care about me and my children.

Posted by Diane | March 27, 2016 | Hired Attorney | Bankruptcy & Debt

Caring, Compassionate and Non judgmental. Who could ask for more.

Filing bankruptcy was not my first intention and I thought long and hard about it before I decided to do it. I was overwhelmed with debt but wanted to try and pay off my bills. I originally went through a debt settlement program which did not work out to my benefit as all the money I gave them went... to fees and not my bills. After 10 months I decided to hire an attorney. I sent an email to Jeanne on the website and my email was returned with a call the next morning. From there on things moved fast. I had a consultation on the phone where she listened to my story and made me feel comfortable right off the bat. She sent me a form to fill out and made an appointment for me to meet with her. I was nervous and felt ashamed but she made me feel at ease. We went through the paperwork together and she told me what to expect and what my responsibilities were. From that point on I knew that I would be OK. I will be forever grateful to her for guiding me through and holding my hand during this process. Her honesty and compassion made an uncomfortable situation bearable. If you ever find yourself in a similar situation I would recommend Jeanne wholeheartedly. Thank you Jeanne!

Posted by Cara | September 28, 2015 | Hired Attorney | Bankruptcy & Debt

Refreshing Attorney

I highly recommend Jeanne Ann Pennebaker. She not only helped me with all of my questions and needs regarding bankruptcy, I felt she truly showed concern for my specific situation. I was also very impressed with her timely responses to any and all of my questions. Although, having to file bankrupt...cy is certainly not a pleasant decision to have to make, Jeanne Ann made the process go particularly smooth during a very stressful time.

See All Client Reviews

Jeanne Ann Pennebaker's Lawyer Endorsements

Endorse Jeanne
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Andrew Dickens

Unknown lawyer | Mar 22

Relationship: Fellow lawyer in community

"I am impressed with Ms. Pennebaker's thoughtful advice and answers to legal questions on Avvo. She has an in-depth understanding of the law and an ability to communicate legal concepts clearly and effectively. I endorse this lawyer!"

Danielle Jessica Walle headshot
Danielle Walle

Bankruptcy and debt lawyer | Dec 08

Relationship: Fellow lawyer in community

"Jeanne Ann is a compassionate attorney who advocates for the very best outcomes for her clients. She is well-respected by the Courts and her reputation is top-notch!"

Harry Clayton Marsh headshot
Harry Marsh

Bankruptcy and debt lawyer | Aug 03

Relationship: Worked together on matter

"I highly endorse this lawyer. Bankruptcy Attorneys are easy to find. Bankruptcy Attorneys that are diligent, responsive and attentive to your needs are not easy to find. Jeanne is one of those Attorneys who you will be happy that you have hired. She is who I send clients to that need bankruptcy help"

R. Michael Elliot headshot
R. Michael Elliot

Bankruptcy and debt lawyer | Jul 13

Relationship: Fellow lawyer in community

"I endorse this lawyer."

G. Martin Hunter headshot
G. Hunter

Bankruptcy and debt lawyer | Jul 08

Relationship: Fellow lawyer in community

"I endorse this lawyer. Excellent attorney; I have observed her in court and in meetings of creditors in bankruptcy court."

Nathan M. Hull headshot
Nathan Hull

Bankruptcy and debt lawyer | Jul 07

Relationship: Fellow lawyer in community

"Jeanne Ann Pennebaker and her firm, RTS Law Group, are highly regarded in the legal community and I am comfortable referring bankruptcy cases to her."

Joshua William Goodman headshot
Joshua Goodman

Bankruptcy and debt lawyer | Jul 06

Relationship: Fellow lawyer in community

"Jeanne is a skilled and knowledgeable attorney who provides quality representation for her clients. I endorse this attorney."

Steven Allen Bimbo headshot
Steven Bimbo

Bankruptcy and debt lawyer | Jul 06

Relationship: Fellow lawyer in community

"I endorse this lawyer."

Chad M. Buckingham headshot
Chad Buckingham

Bankruptcy and debt lawyer | Jul 05

Relationship: Fellow lawyer in community

"I highly endorse this lawyer for all Bankruptcy issues."

Jennifer M Chandler headshot
Jennifer Chandler

Bankruptcy and debt lawyer | Jul 03

Relationship: Fellow lawyer in community

"I endorse this lawyer."

Nicole Marie Malinko headshot
Nicole Malinko

Bankruptcy and debt lawyer | Jul 03

Relationship: Fellow lawyer in community

"I endorse this lawyer."

Mark Ferrell Lawson headshot
Mark Lawson

Bankruptcy and debt lawyer | Jul 03

Relationship: Fellow lawyer in community

"I endorse Jeanne Ann. She is very knowledgeable and handles all her clients' matters with professionalism and great care."

Michael Frank Anderson headshot
Michael Anderson

Chapter 13 bankruptcy lawyer | Jul 03

Relationship: Fellow lawyer in community

"Ms. Pennebaker is a very fine lawyer associated with a highly regarded law firm."

Daniel Christopher Lyon headshot
Daniel Lyon

Bankruptcy and debt lawyer | Jul 03

Relationship: Fellow lawyer in community

"Jeanne is the first person I think when I get a call regarding a bankruptcy issue. She is knowledgable, thorough, and truly goes above and beyond to help her clients. I endorse Jeanne."

Martin John Kreshon III headshot
Martin Kreshon

Bankruptcy and debt lawyer | Jun 24

Relationship: Fellow lawyer in community

"Jeanne Ann is a fantastic lawyer. Not only is she knowledgeable about her practice area, she goes the extra mile to make her clients feel comfortable and always seeks the best possible outcome."

Michael Haigler headshot
Michael Haigler

Bankruptcy and debt lawyer | Jun 23

Relationship: Fellow lawyer in community

"I have previously worked with the RTS Law Group on a variety of cases, and I strongly recommend Jeanne for any Bankruptcy matters."

Christopher Shelburn headshot
Christopher Shelburn

Bankruptcy and debt lawyer | Jun 23

Relationship: Fellow lawyer in community

"I endorse this lawyer."

Whitaker Boykin Rose headshot
Whitaker Rose

Bankruptcy and debt lawyer | Jun 23

Relationship: Fellow lawyer in community

"I endorse this lawyer."

Adam M. Seifer headshot
Adam Seifer

Bankruptcy and debt lawyer | Jun 23

Relationship: Fellow lawyer in community

"I've known Attorney Pennebaker for a while. She is extremely knowledgeable on the subject of bankruptcy law and I have heard nothing but great things from clients that I have referred over to her. I wouldnt hesitate to send future clients her way as I know she will do an excellent job!!"

Mark Jon Wieczorek headshot
Mark Wieczorek

Bankruptcy and debt lawyer | Jun 22

Relationship: Fellow lawyer in community

"I endorse this lawyer."

View All Endorsements
Winfred R. Ervin Jr. headshot
Winfred Ervin

Workers compensation lawyer

Danielle Jessica Walle headshot
Danielle Walle

Bankruptcy and debt lawyer

G. Martin Hunter headshot
G. Hunter

Bankruptcy and debt lawyer

Chad M. Buckingham headshot
Chad Buckingham

Family lawyer

Martin John Kreshon III headshot
Martin Kreshon

Criminal defense lawyer

Christopher Shelburn headshot
Christopher Shelburn

DUI and DWI lawyer

Nathan Workman headshot
Nathan Workman

Estate planning lawyer

Laura S. Baker headshot
Laura Baker

Real estate lawyer

Ryan T. Smith headshot
Ryan Smith

Criminal defense lawyer

Experience

Rating:  10.0 (Superb)

Honors

2017

Legal Elite, Business North Carolina

2016

Legal Elite, Business North Carolina

2015

Honored Member, Continental Who's Who Legal

2011

Admitted to Practice, U.S. District Court for Middle District of N.C.

2010

Admitted to Practice, U.S. District Court for the Western District of N.C.

2009

Bankruptcy Bootcamp, O. Max Gardner

1989

Admitted to Practice, U.S. District Court for the Northern District of NC

1988

Participant and Team Leader, Jessup Int'l Moot Court

Work Experience

2017 - Present

Attorney, Jeanne Ann Pennebaker, PLLC

2019 - 2021

Managing Partner, Bochicchio & Pennebaker, PLLC

2009 - 2016

Senior Attorney, RTS Law Group

2005 - 2011

Attorney, J. A. Pennebaker Consulting

2004 - 2006

Of Counsel, Shaw & Foley

1997 - 2004

Attorney, Law Office of Jeanne Ann Pennebaker, Esq.

1992 - 1997

Attorney, Zalutsky and Pinski

1990 - 1992

Attorney, Robert J. Adams & Assoc.

1989 - 1990

Attorney, Dessen & Moses

Associations

2018 - Present

Executive Women of Lake Norman

Board of Directors

2016 - Present

Mecklenburg County Bar Association, Lawyer Referral Service Committee

Vice Chair

2015 - Present

WDNC Debtors Bar Association

Member

2015 - Present

WDNC Women's Bankruptcy Group

Member

2009 - Present

Mecklenburg County Bar Association

Member

2009 - Present

North Carolina Bar Association

Member

1985 - Present

University of Illinois Alumni Association

Member

1981 - Present

Sigma Kappa Sorority

Member

2015 - 2019

Executive Women of Lake Norman

Board Member, Officer

1997 - 2003

Association of Women Attorneys of Lake County

Member

1989 - 1992

Illinois State Bar Association

Member

1989 - 1992

Cook County Bar Association

Member

1989 - 2003

Chicago Bar Association

Member

1989 - 1999

Chicago Bar Association, Young Lawyers Section

Member

Sample of Legal Cases

Debt Negotiation Case

Saved the Clients $90,000

94 B 12537

Debtor awarded damages

95 B 00713

Debtor's case allowed, no bad faith found

90 B 12947

Debtor successfully challenged claim

92 B 14670

Case was confirmed

91 B 00605

Saved the house for the clients

90 B 22496

Saved the house for the clients

88 B 03185

lowered interest rate for clients on their car loan

Suit for Quiet Title

Saved the house for the clients

Personal Injury Jury Trial

Won Jury Verdict

Illinois Appellate Court Appeal

Judgment of the circuit court reversed

See More Legal Cases

Education

1989

Depaul University College of Law

J.D.

1987

University of Notre Dame Law School

earned credits towards Doctor of Law (J.D.)

1985

University of Illinois At Urbana-Champaign

B.A.

Speaking Engagements

2019

Middle School Mock Trial Competition

Coach of 1st place Middle School Mock Trial Team

2018

Middle School Mock Trial Competition

Coach of 1st place Middle School Mock Trial Team

2016

4All Statewide Service Day Answer Legal Questions

2015

WDNC Women's Bankruptcy Cocktail Event Bankruptcy

2015

MCB Cares 5K Charity Fundraiser

2015

Girl Power Event law as a career

2014

Client Collaboration and Bankruptcy Practice

Chapter 7 Bankruptcy

2013

Money Management Is A Family Affair Bankruptcy and Money Management

2012

Client Collaboration and Debt Negotiation

Debt Negotiation

2001

AWOLC Monthly Luncheon Bankruptcy for Lawyers

1995

Law Day

Guest Judge

Publications

1997

203 B.R. 958 (N.D.Ill. 1997) In Re Fisher

1996

198 B.R. 721 (N.D.Ill. 1996) In Re Fisher

1994

162 B.R. 1014 (N.D.Ill. 1994) In Re Hutchins

1993

151 B.R. 879 (N.D.Ill. 1993); 147 B.R. 435 Arnold v. First Credit Corp.

1991

124 B.R. 532 (N.D.Ill. 1991) In re Hudock, Debtor 88 B 03185

Languages

English

Activity

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