We’re Here to Help

Contact JA Debt Law

If debt, creditor actions, foreclosure, or financial uncertainty are impacting your life, JA Debt Law offers prompt, confidential consultations and practical legal strategies to restore stability. Our office in Charlotte provides personal attention and experienced representation tailored to your needs.

How to Prepare for Your Consultation

Since our consultations are conducted virtually or by phone, you do not need to gather physical documents at this time. To prepare, simply complete the provided worksheet prior to our call.

Virtual & Telephone Consultations

We provide telephone consultations and, when appropriate, remote meetings for client convenience. Please call to arrange a virtual meeting if you cannot visit the office in person.

Payment & Fee Structure

We discuss legal fees, payment plans, and available options candidly during the initial consultation. We understand financial constraints and strive to structure reasonable payment arrangements for legal representation.

Privacy and Confidentiality

All consultations are confidential. We treat client information with the utmost respect and adhere to legal and ethical confidentiality obligations.

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Office Location and Hours

Jeanne Ann Pennebaker, PLLC d/b/a JA Debt Law

6047 Tyvola Glen Circle, Charlotte, North Carolina 28217

Mon - Thu

9 AM - 5 PM

Friday

9 AM - 3 PM

Weekends

Appointment Only

Frequently Asked Questions

  • How urgent is it to contact an attorney?

    If you are facing foreclosure sale dates, garnishments, repossession, or lawsuits, reach out immediately. Quick action can preserve rights and options.

  • Are consultations free?

    We often provide a confidential fee-based or limited initial consultation to determine appropriate next steps. Please call for specifics on consultation terms and any available fee structures.

  • What documentation is most important to bring?

    Pay stubs, tax returns, debt lists, and recent account statements are the most helpful documents to evaluate your case quickly.

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JA Debt Law

Consultation Intake

This bankruptcy intake form will provide us with the necessary information that will allow us to determine the steps of how best to help you.  We will need additional information prior to filing.  There is no charge for this analysis.

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Marital Status
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Debts


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Real Estate

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Motor Vehicles

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Bills

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Income

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Have you ever previously filed bankruptcy?
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Do you have any judgments against you?
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If you are ready to discuss your situation, call us at (704) 363-9117 or visit our office at 6047 Tyvola Glen Circle, Charlotte, NC 28217. A confidential consultation will help you understand your rights and the practical steps you can take toward debt relief.