What are my chances of getting into Wharton, Haas, or other top business programs?

I had a terrible freshman year because of some family issues, so I ended up with a 3.0 unweighted and 3.5 weighted for the year. However, I got everything figured out and have gotten straight A’s ever since. I’m in the second semester of my junior year and currently have a 3.65 unweighted and 4.2 weighted GPA. My SAT/ACT and my EC’s definitely work in my favor, so the only thing worrying me is my severely handicapped GPA. I’ve had a few people tell me that this would preclude me from any T20’s, but I don’t see how that could be true because my transcript is packed with AP classes, and I even skipped a year French, so wouldn’t one look at my transcript show that my freshman year isn’t very representative of my academic character. I don’t really understand the admissions process, so I’m not sure how they consider GPA’s and transcripts.