Five Lakes Law Group Reviews

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Edited by: Tammy Burns

About Five Lakes Law Group

Established in 2021, Five Lakes Law Group is a law firm that offers debt settlement and resolution services. The company states on its website that it can reduce your monthly debt load as much as 40%, while also offering one-on-one attorney support. It says it has helped more than 200,000 clients with unsecured debt, such as credit card bills and medical debt.

Pros
  • Attorney assistance
  • Chat available 24/7
Cons
  • Not for all debts
  • Fees not listed

What is Five Lakes Law Group?

Five Lakes Law Group is a Michigan-based law firm focused on providing clients debt relief through the debt settlement process.

Debt settlement requires clients to establish financial hardship, usually through negating their monthly debt bills, in order for the company to settle the debt for a lower amount or in full. Five Lakes Law Group offers litigation support alongside its debt settlement services, so clients will have that benefit in case a creditor threatens legal action.

One notable perk of using Five Lakes Law Group is its mobile app that allows you to manage your enrolled debts and approve agreements. The app has a 4.9-star rating on both Apple’s App Store and Google Play as of publishing, with over 350 reviews combined.

How does Five Lakes Law Group work?

Five Lakes Law Group helps clients settle unsecured debt by diverting their creditor payments. Instead of paying your creditors each month, you will pay into an account that will be used for debt payoff. The goal is to establish new terms and a lower owed amount with the creditor.

However, if you forgo paying your creditor to establish financial hardship, your debt will accumulate late fees and interest rate charges. There is also a possibility that the creditor will sue you for your owed balance. Five Lakes Law Group will attempt to slow down or assist in legal issues with pro se legal document drafting and attorney assistance.

Five Lakes Law Group products and services

While Five Lakes Law Group does not give a specific time frame for its debt settlement services, clients can expect the process to take between 24 and 60 months, which is the common range among most debt settlement companies. Five Lakes Law Group can help with the following debts:

  • Credit card
  • Medical
  • Personal loans

It cannot help with debt that is secured by collateral, such as mortgage and auto loans. It also will not help with federal student loan debt.

Five Lakes Law Group fees

Five Lakes Law Group does not disclose its fees on its website but should be able to give you the full costs before you commit. Avoid any debt settlement companies that require you to sign up before letting you know the cost.

While Five Lakes Law Group’s pricing is not listed, note that many debt settlement companies do not charge any upfront fees but instead charge between 15% and 25% of the settled amount once a debt resolution has been made.

FAQ

Does Five Lakes Law Group have a money-back guarantee?

Five Lakes Law Group does not have a money-back guarantee or satisfaction policy listed on its website. Before working with this company, ask about its refund policies.

Do I need a hardship to use Five Lakes Law Group?

Yes. Five Lakes Law Group relies on a client’s financial hardship to better negotiate and settle with your creditors. If you don’t want to take this route to become debt-free, you can look into taking out a debt consolidation loan, which helps you move all of your debt to one predictable loan payment.

Will using Five Lakes Law Group hurt my credit score?

Yes. You should expect your credit score to take a hit with any debt settlement company you use. This is because you must establish financial hardship, which is done when you stop paying your creditors.

Is Five Lakes Law Group legit?

Five Lakes Law Group is a legitimate law firm that specializes in debt resolution. You can expect licensed attorneys to assist you with your debt settlement journey. Before choosing to work with Five Lakes Law Group, make sure you know how long the process will take and how much you will need to pay in fees.

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Five Lakes Law Group Reviews

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    How do I know I can trust these reviews about Five Lakes Law Group?
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    Page 1 Reviews 0 - 5
    Customer ServiceContract & TermsBillingCommunication

    Reviewed April 13, 2026

    Five Lakes has kept their agreement with me to gain resolution offers from 4 creditors. They have accomplished this with 3 and are currently working on the 4th. Two have been paid off. All this in 9 months' time. They handled all creditor letters and phone calls. They have made this process so easy for me as I have not had to fret from fear of collection agencies; I received no communications from any. The only downside for me was that a couple of my "store" credit cards were canceled, even though there was a zero balance on them because my credit score became so low. Actually, this is a good thing as my goal is to operate fully via cash or debit. No more credit cards.

    Thanks for your vote!
    Five Lakes Law Group
    Response from Five Lakes Law Group
    Hi Beverly,
    We're excited to hear about your positive experience with our team at Five Lakes Law Group! It's fantastic that we've been able to provide you with peace of mind. We appreciate your feedback and wish you continued success on your journey to financial freedom!

    — The Five Lakes Team

    Profile pic of the author.
    Customer ServiceStaff

    Reviewed March 21, 2026

    My husband and I are very impressed with our experience. Our Customer Service Rep., Kai **, answered all of our questions thoroughly.... unrushed, very pleasant, and patient... Attorney Beth **, reviewed details of the program, making sure that we understood and were at ease with the program. It was obvious to us that she is a well seasoned, and experienced ...I believe 30 years doing this work.

    The online "Dashboard"... was set up right away so that we are able to view the accounts that will be negotiated and to track activity.... Within a day, we received notice that one of our accounts was already being negotiated.... Important contact numbers for questions were displayed clearly.... My husband and I are relieved that we can trust this program to help us financially in a significant way... Thank you very much..

    Marilyn

    Thanks for your vote!
    Five Lakes Law Group
    Response from Five Lakes Law Group
    Hi Marilyn,
    We're delighted to hear that you and your husband had a positive experience with our team members, Kai and Beth. It's wonderful to know that our commitment to thorough and patient service has made a difference in your journey with us.

    — The Five Lakes Team

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      Staff

      Reviewed March 20, 2026

      Very helpful. Just what I needed. A life saver. Very patient agents. Important to my life at this time. Will help me with my finance and get my life on track. Such a relief. Glad to be a part of this program. I have learned a lesson about credit at this point in my life. I appreciate the help and opportunity to straighten out my finances. Looking forward to participating in this program. I plan to share with anyone in this position. Let them know how helpful you have been. Opportunity to warn others not to get in this position but if they do you are a wonderful resource. I plan not to be in this position again but thrilled you are here today.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Antoinette,
      Thank you for your thoughtful review! Your willingness to share your positive experience means the world to us, and we’re excited to support you on your journey to financial stability.

      — The Five Lakes Team

      Billing

      Reviewed March 15, 2026

      This is a trust the process type deal and it works. The people I talk with in the beginning answered any questions and made me feel safe with their service. They explain in detail what will take place. I don't feel the pressure from the bills I was paying every month but not making any progress on paying the debt off. I am able to save some money while paying towards my debt. My credit score took a hit but I think in the end I can get it back or maybe even better. If I had to do this again I would most definitely use them.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Stephanie,
      It's fantastic to know that the process has alleviated some of your financial stress while allowing you to save money. We're here to help you on your journey to a debt-free future!

      — The Five Lakes Team

      Customer ServicePriceMaintenanceStaffTransparency

      Reviewed Feb. 27, 2026

      Their implementation and utilization of technology is superb. With emails, a welcome video, and a simple yet comprehensive web site and app, everything is so easy to understand! These tools greatly serve to facilitate communication and to convey updated information bilaterally throughout the process as well. Most importantly, the program is estimated to reduce my regular debt maintenance costs by 2/3, down from $3k to $1k /month.

      This has a meaningful impact because I can literally quit my side hustle, reducing my work week from a total of 60 hours to a customary 40 hours. The time savings will literally change my life. I will be more available to meet family obligations, such as care for an aging parent and better focus on my children's futures, and be able to get tasks done that I've been putting off for years while I was riding the debt cycle hamster wheel. I am blessed to have found Accredited Debt Relief and, subsequently, Five Lakes Law Group, both highly regarded in this field.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group

      We're delighted to hear that our technology and communication tools have made your experience with Five Lakes Law Group so easy to navigate. It’s fantastic to know that our program is significantly reducing your debt maintenance costs and positively impacting your work-life balance.

      — The Five Lakes Team

      Profile pic of the author.
      Punctuality & SpeedStaff

      Reviewed May 10, 2026

      Very professional people running the company. The settlement process with creditors is very fast. The people running this program gives you the best possible settlement. I highly recommend this company to anyone.

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      Staff

      Reviewed May 10, 2026

      This had been a life saving event. I have been able to get help from this program and hope to end up debt free by the end of the program.

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      Staff

      Reviewed May 7, 2026

      Excellent Professional Representatives help me solve my issues!

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      Staff

      Reviewed May 6, 2026

      This company is doing an amazing job with my case. Resolving each of my debt in a timely manner and a for a reduced amount. I really appreciate all of their help.

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      Staff

      Reviewed May 6, 2026

      So far in the beginning process I am satisfied with the program. Everything is in print, so there is no guessing. The people are friendly and very informative.

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      Five Lakes Law Group Company Information

      Company Name:
      Five Lakes Law Group
      Website:
      www.fivelakeslawgroup.com