Jeanne Ann Pennebaker

Senior Attorney
Jeanne Ann Pennebaker, PLLC


Jeanne Ann Pennebaker has extensive litigation, transactional, and court expertise.  This expertise encompasses over 27 years of practice in Chapter 7 and Chapter 13 consumer and small business Bankruptcy, as well as Chapter 11 Bankruptcy.  Ms. Pennebaker has additional practices in Foreclosure Defense and IRS Consumer Tax Defense.  From 2009 to 2017 Ms. Pennebaker has held the position of senior attorney at RTS Law Group in Charlotte, NC.

Ms. Pennebaker solely established, staffed, and managed a lucrative law practice in Chicago, Illinois.  In her practice, she represented numerous Bankruptcy clients and additionally argued various adversary proceedings, made regular appearances on creditor matters, defended foreclosures, negotiated IRS settlements, and represented clients in traffic court.  Prior to that, she practiced for two years with Robert J. Adams & Associates in the areas of bankruptcy, family law, and class action law in fair debt collections act violations. Next, she practiced for five years with Zalutsky & Pinski, a prominent consumer bankruptcy law firm, with her specialization in Chapter 13.

Ms. Pennebaker was born and raised in Chicago which means she loves the blues, deep dish pizza, and Da Cubs and Da Bears and Da Blackhawks.  2016 was the amazing year that the Chicago Cubs finally won a World Series for the first time since 1908! Go Cubs Go! She attended college at the University of Illinois at Champaign-Urbana and earned a law degree at DePaul University College of Law in Chicago.  During her second year of law school, she attended an exchange program at the Concannon Program of International Law with Notre Dame in London, U.K.  Ms. Pennebaker participated in Moot Court, notably being a team captain in the Jessup International Moot Court Competition.

While in Charlotte, Ms. Pennebaker has attended and graduated from the prominent O. Max Gardner’s Bankruptcy Boot Camp. Ms. Pennebaker has been recognized as Legal Elite by North Carolina Magazine for 2016 and 2017.  She is a member of the North Carolina Bar Association and the Mecklenburg County Bar Association.  She serves on the Mecklenburg County Bar’s committee for the Lawyer Referral Service. Ms. Pennebaker has a loving family that includes her 20 year old daughter and her 17 year old son.