Jeanne Ann Pennebaker

With over 36 years of experience in bankruptcy law, litigation, and foreclosure defense, I help individuals and small businesses navigate financial distress to reclaim their financial future. As the founder of JA Debt Law in Charlotte, NC, I specialize in Chapter 7 and13 bankruptcy, debt negotiation, and protecting clients from predatory financial practices.

My career is rooted in Chicago, where I spent decades building and managing a successful law practice, arguing adversary proceedings, defending foreclosures, and handling FDCPA class actions. I’ve dedicated my professional life to mastering bankruptcy mechanics issues which continued with a move to North Carolina in 2009.

Whether you are a small business owner trying to restructure or an individual fighting to save your home or protect your car, I provide the seasoned, battle-tested representation you need.

Core Expertise: Chapter 7 & 13 Consumer Bankruptcy | Foreclosure Defense | Debt Negotiation | IRS Settlements

I am an active member of the Mecklenburg County Bar Association. Though I now center my practice in Charlotte, NC, I will always be a Chicagoan at heart—fueled by great blues, deep-dish pizza, and unwavering loyalty to Da Cubs and Da Bears. Connect with me to discuss how we can resolve your legal financial challenges.