Julia A. Carpenter

Partner - Retired
Office: Indianapolis
p: 317-566-1110
f: 317-636-1507

Julia Carpenter retired from Krieg DeVault LLP at the end of 2024. Ms. Carpenter practiced law for over 30 years, focusing her career on commercial and real estate lending, banking, corporate finance, and general corporate matters. She represented both lenders and borrowers in a wide range of commercial lending transactions, including secured and unsecured lending, construction lending, tax credit financing, syndicated transactions, letters of credit, and ESOP financing. During her time at Krieg DeVault, Julia also served as Chair of the Firm’s Diversity, Equity and Inclusion Committee, as well as Chair of the Commercial and Real Estate Lending Practice and various other firm committees.

For any questions relating to matters in which Ms. Carpenter was involved, please contact John B. Baxter.

Experience

Representative Experience

Represented a financial institution in connection with the negotiation and documentation of $17,000,000 in secured credit facilities to a medical holding company to finance the formation of an ESOP
Represented a financial institution in connection with the negotiation and documentation of a $40,000,000 syndicated loan transaction secured by personal property and real property involving a medical practice group with multiple locations, including the financing of the construction of a new facility and the renovation of an existing facility
Represented a financial institution in connection with the negotiation and documentation of a $60,000,000 syndicated loan transaction secured by personal property and real property for a multi-state landscaping company
Represented a large regional utility contractor in connection with the negotiation and documentation of $33,000,000 in credit facilities from a financial institution to finance the formation of an ESOP
Represented a financial institution in connection with the negotiation and documentation of a $25,000,000 unsecured line of credit to a public utility
Represented a financial institution in connection with the negotiation and documentation of a $150,000,000 syndicated loan transaction involving buy here/pay here automobile finance company
Represented a financial institution in connection with the negotiation and documentation of a $50,675,547 construction loan and a $53,249,458 construction loan for student housing in Ann Arbor, Michigan and Tempe, Arizona, respectively
Represented a national storage facility entity as local Indiana counsel in connection with the negotiation and documentation of a $200,000,000 credit facility from a syndicated group of financial institutions

Professional Associations

Business Law Section Member and Former Chair, Indianapolis Bar Association
Business Law Section Member and Former Chair, Indiana State Bar Association
Member, American Bar Association
Founding Member and Former Mentor for IndyCREW Mentoring Program, IndyCREW
Former Governing Body Member, ATHENAPowerlink

Civic Involvement

Board Member, Ascension St. Vincent Foundation
Founding Member, Chair of Book Club, Former Board Member and Secretary, Executive Women in Finance
Board Member and Secretary, Little Star Center
Steering Committee, Women's Network Forum
Member, Auxiliary to the Children’s Bureau of Indiana, Inc.
Former Board Member, G.L.A.M.
Former Board Member and Former Co-Chair of Celebrity Radio Show, Indiana Repertory Theatre
Former Board Member, Butler University Alumni Board
Former Member, Butler University Central Indiana Alumni Chapter Steering Committee
Former Treasurer, Mu Chapter of Kappa Kappa Gamma House Board
Former Board Member, COLAP
Former Board Member, Catholic Social Services

Awards & Recognitions

Commercial Lending Attorney of the Year in Indiana, Global Law Experts, 2015
Top Women in Real Estate, Midwest Real Estate News, 2015
Indiana Super Lawyers, 2004
Distinguished Fellow, Indianapolis Bar Association, 1998

Seminars & Presentations

Fundamentals of Acquisition Transactions in Indiana; Financing the Deal", 2007
“Title Law In Indiana”, NBI, Inc., 1997
“Commercial Loan Documentation”, Indiana Continuing Legal Education Forum, 1995

Credentials

Education

J.D., magna cum laude, Indiana University Robert H. McKinney School of Law, Indianapolis, Indiana, 1988
B.S., Butler University, Indianapolis, Indiana, 1985

Bar & Court Admissions

Indiana, 1988
U.S. District Court for the Southern District of Indiana, 1988

Certifications

Legal Lean Sigma® White Belt

Practices & Industries

Practices

Industries

Beyond the Office

Hiking

Travel

Reading

Insights

Real Estate

Are We in a Banking Crisis? What the Silicon Valley and Signature Banks’ Failure Tell Us About the Future of Financial Institutions (Podcast)

April 13, 2023

Litigation

Supreme Court Confirms that to Violate the TCPA your Automatic Telephone System Must Use a Random or Sequential Generator

April 7, 2021

Secured Lender

President Signs COVID-19 Bankruptcy Relief Extension Act of 2021

March 31, 2021

Litigation

Indiana Financial Institutions Continue to be Targeted in Class Action Overdraft and NSF Lawsuits

February 3, 2021

Firm News and Events

Krieg DeVault's Kay Dee Baird Elected Chair of the Indianapolis Bar Association's Commercial Law & Bankruptcy Section for 2021

January 1, 2021

Secured Lender

CFPB Issues Finalized Changes To Regulation F To Implement The Fair Debt Collection Practices Act

December 16, 2020

Secured Lender

The Importance of Paying Attention to Notices Received in Bankruptcy Cases: Creditor Misses Proof of Claim Bar Date and Loses Claim for $2 Million

November 13, 2020

Secured Lender

Indiana Moratorium on Residential Property Evictions and Mortgage Foreclosures Will Continue Through the End of July 2020

July 5, 2020

Financial Services

CFPB Provides Flexibility to Financial Institutions When Dealing with Billing Errors, Payment Rules and Deposit Accounts Terms Related to the COVID-19 Pandemic

May 17, 2020

Secured Lender

A Message from Krieg DeVault LLP's Creditors' Rights and Bankruptcy Practice Group on Our Response to the Coronavirus COVID-19 Pandemic

March 23, 2020

Financial Services

Financial Services Regulators Respond to COVID-19

March 22, 2020

Secured Lender

Indiana Court of Appeals Expands De Facto Merger Exception to the General Rule Regarding Corporate Liability for Debts

March 8, 2020

Secured Lender

Seventh Circuit Confirms that the Bankruptcy Code Expressly Subordinates a Seller's Reclamation Claim to the Prior Rights of a Secured Creditor

February 19, 2020

Secured Lender

Indiana Supreme Court Rejects Imposition of “Rule of Reasonableness” on the Statutes of Limitations Applicable to a Lender's Pursuit of a Defaulted Mortgage Installment Promissory Note

February 19, 2020

Financial Services

Indiana DFI Enforcement Action Against Auto Dealer Underscores the Importance of Ensuring Indirect Lending Partners Understand Consumer Credit Laws

May 8, 2018

Thought Leadership

The Department of Defense Issues an "Interpretative Rule" to the Military Lending Act - Auto and Personal Property Lenders Faced With Regulatory Uncertainty

January 9, 2018

Thought Leadership

Known By the Successful Company We Keep® - Krieg DeVault Issues Annual Ad Showcasing Transactions from Many of Our Valued and Successful Clients

January 30, 2023

Firm News and Events

John B. Baxter Named Chair of Krieg DeVault’s Commercial and Real Estate Lending Practice

January 1, 2023

Secured Lender

FinCEN Issues Final Rule for Beneficial Ownership Reporting to Support Law Enforcement Efforts, Counter Illicit Finance, and Increase Transparency

November 8, 2022

Firm News and Events

Krieg DeVault Expands Real Estate and Environmental Practice

September 27, 2022

Firm News and Events

13 Krieg DeVault Attorneys Recognized by 2023 Best Lawyers®; 7 Named to the 2023 Best Lawyers in America® Listing; 1 Receives “Lawyer of the Year” Designation; 6 Receive “Ones to Watch” Designation

August 18, 2022

Firm News and Events

Krieg DeVault Partners John B. Baxter and Robert A. Greising Named to Chambers USA 2022 List; Firm Named to Chambers USA 2022 List for Real Estate

June 22, 2022

Firm News and Events

Krieg DeVault Adds Two New Associates; Alexandra E. Wilson and Joel E. Haas

October 1, 2021

Thought Leadership

Fed's Main Street Lending Program Expanded

June 9, 2020

Firm News and Events

Real Estate Partner David Adams shares his insights with Midwest Real Estate News regarding the Indianapolis' commercial real estate market

January 16, 2020

Firm News and Events

Julie A. Carpenter Selected for "Professionalism Award" from the IBA

October 14, 2019

Firm News and Events

Seventh Circuit Confirms that under Illinois law, Reference in Financing Statement to Parties' Security Agreement is Sufficient to Perfect Secured Creditor's Lien on Debtor's Collateral Described in Security Agreement

September 29, 2019

Firm News and Events

For any questions relating to matters in which Ms. Carpenter was involved, please contact John B. Baxter.

Representative Experience

Represented a financial institution in connection with the negotiation and documentation of $17,000,000 in secured credit facilities to a medical holding company to finance the formation of an ESOP
Represented a financial institution in connection with the negotiation and documentation of a $40,000,000 syndicated loan transaction secured by personal property and real property involving a medical practice group with multiple locations, including the financing of the construction of a new facility and the renovation of an existing facility
Represented a financial institution in connection with the negotiation and documentation of a $60,000,000 syndicated loan transaction secured by personal property and real property for a multi-state landscaping company
Represented a large regional utility contractor in connection with the negotiation and documentation of $33,000,000 in credit facilities from a financial institution to finance the formation of an ESOP
Represented a financial institution in connection with the negotiation and documentation of a $25,000,000 unsecured line of credit to a public utility
Represented a financial institution in connection with the negotiation and documentation of a $150,000,000 syndicated loan transaction involving buy here/pay here automobile finance company
Represented a financial institution in connection with the negotiation and documentation of a $50,675,547 construction loan and a $53,249,458 construction loan for student housing in Ann Arbor, Michigan and Tempe, Arizona, respectively
Represented a national storage facility entity as local Indiana counsel in connection with the negotiation and documentation of a $200,000,000 credit facility from a syndicated group of financial institutions

Professional Associations

Business Law Section Member and Former Chair, Indianapolis Bar Association
Business Law Section Member and Former Chair, Indiana State Bar Association
Member, American Bar Association
Founding Member and Former Mentor for IndyCREW Mentoring Program, IndyCREW
Former Governing Body Member, ATHENAPowerlink

Civic Involvement

Board Member, Ascension St. Vincent Foundation
Founding Member, Chair of Book Club, Former Board Member and Secretary, Executive Women in Finance
Board Member and Secretary, Little Star Center
Steering Committee, Women's Network Forum
Member, Auxiliary to the Children’s Bureau of Indiana, Inc.
Former Board Member, G.L.A.M.
Former Board Member and Former Co-Chair of Celebrity Radio Show, Indiana Repertory Theatre
Former Board Member, Butler University Alumni Board
Former Member, Butler University Central Indiana Alumni Chapter Steering Committee
Former Treasurer, Mu Chapter of Kappa Kappa Gamma House Board
Former Board Member, COLAP
Former Board Member, Catholic Social Services

Awards & Recognitions

Commercial Lending Attorney of the Year in Indiana, Global Law Experts, 2015
Top Women in Real Estate, Midwest Real Estate News, 2015
Indiana Super Lawyers, 2004
Distinguished Fellow, Indianapolis Bar Association, 1998

Seminars & Presentations

Fundamentals of Acquisition Transactions in Indiana; Financing the Deal", 2007
“Title Law In Indiana”, NBI, Inc., 1997
“Commercial Loan Documentation”, Indiana Continuing Legal Education Forum, 1995

Education

J.D., magna cum laude, Indiana University Robert H. McKinney School of Law, Indianapolis, Indiana, 1988
B.S., Butler University, Indianapolis, Indiana, 1985