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 Michigan-based law firm that offers debt settlement and resolution services. Five Lakes Law Group also offers litigation support alongside its debt settlement services. The company states on its website that it can reduce your monthly debt load by up to 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.

Visit www.fivelakeslawgroup.com
Pros
  • Attorney assistance
  • Chat available 24/7
Cons
  • Not for all debts
  • Fees not listed

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.

Here’s a step-by-step overview of the process:

  1. Contact Five Lakes Law Group to determine your eligibility and get set up with an attorney.
  2. Get set up with a debt settlement plan.
  3. Deposit funds into a dedicated account every month instead of paying your creditors.
  4. Five Lakes Law Group negotiates with your creditors to help pay off your debt.

However, if you forgo paying your creditors 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.

A convenient feature of Five Lakes Law Group is its mobile app, which lets you manage your enrolled debts and approve agreements.

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 48 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 a mortgage or auto loan. 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 it should be able to give you the full costs before you commit. 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.

Debt settlement fees vary depending on the individual case, but are made up of service fees, settlement fees, counseling fees and legal fees. Avoid any debt settlement companies that require you to sign up before letting you know the cost.

FAQ

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

No, 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, you do need a financial hardship to use Five Lakes Law Group. Five Lakes Law Group relies on a client’s financial hardship to better negotiate and settle with 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, using Five Lakes Law Group will hurt your credit score. 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.

Still have questions?

Is Five Lakes Law Group legit?

Yes, Five Lakes Law Group is a legitimate law firm that specializes in debt resolution. The company has helped clients pay off over $500 million in debt and has over 50 attorneys on staff.

You can expect licensed attorneys to assist you with your debt settlement journey. 

“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,” ConsumerAffairs reviewer, Beverly, said. “Two have been paid off. All this in 9 months' time. They handled all creditor letters and phone calls.”

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 - 35
    Customer ServiceStaffHonesty & Transparency

    Reviewed July 31, 2026

    At first, I was a little nervous about calling to seek help because of all the horror stories that you hear about the hidden fees, etc., I’m so glad I decided to reach out for help. I want to thank Keith ** for walking me through this process and making my comfort level at ease. Keith took his time and was very patient with me while I gather all my information to be submitted. I must say this is like me hitting the lottery. I am now on my way to recovery to zeroing out my debt. Thanks so much to the Five Lakes Group!!!

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    Online & AppStaffBillingLoan Process

    Reviewed June 18, 2026

    I maxed out my debt limit, and I was not sure how I was going to face the upcoming payments. I am not the first, but it still feels awful. So, I started to look for a debt consolidation company for a loan. I discovered the perfect option instead. I followed my instinct and was given a gift when I was referred to Five Lakes Law Group. I spoke with their first point of contact and started the enrollment process for their program. Today, I feel so relieved knowing I’ll be settling my debt with a respected law firm supporting me every step of the way.

    The process is easy, and by downloading their app, I was able to see all of my debt within a few minutes, including some charged-off debt I needed help with. From there, I continued the enrollment process by speaking with Kent, who walked me through it and explained how everything would work. He was very clear and answered all my questions. I highly recommend this program to anyone who needs a better way to solve a large amount of debt. I know that my life will be better now that I have the help I truly needed.

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      Customer ServiceOnline & AppStaffTransparency

      Reviewed May 27, 2026

      I feel very fortunate to have picked this group. They are friendly, patient, and very knowledgeable. I know I am in the hands of a truly professional group and am eager to see the results coming in. Their website is just packed with all the information to keep me up to date. They encourage you to call if there are issues with creditors and questions about the process. I feel fortunate that this veteran enrolled their assistance.

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Richard,
      Thank you for your kind words! These are the types of reviews we strive for. We're excited to have you on board and appreciate your recognition of our team's professionalism and support.

      — The Five Lakes Team

      CoverageStaffBillingRatesTransparency

      Reviewed May 20, 2026

      I became a widow almost two years ago. Due to my health conditions, I am unable to work. To cover my expenses, I had to turn to my credit cards. The high interest rates made it impossible for me to pay off the debt. Desperate and searching for a solution, I found this agency. Their representative was so professional, compassionate, and empathetic. Their explanation—along with their extensive knowledge—were key factors in my decision to entrust my debt to this agency. I am just getting started, yet I remain confident that everything will turn out well.

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Gilda,
      Thank you for sharing your story with us - we offer our sincere condolences to you. It’s great to hear that you found our team member to be both professional and compassionate. We're always here to support you on your journey to financial freedom!

      — The Five Lakes Team

      StaffBilling

      Reviewed May 15, 2026

      5 Lakes Law is an awesome organization that is and has been helping me get back on track with my credit card debt, have been very helpful and very easy to work with. I would recommend to anyone and have to my friends and family. If you're serious about clearing your credit card debt they're the people to go to, a pleasure to work with and can tell they care.

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Terry,
      We're delighted to hear that you've had such a positive experience with your program! Thank you for recommending us to your friends and family; your trust means a lot to us.

      — The Five Lakes Team

      PriceBillingLoan Process

      Reviewed Aug. 6, 2026

      I'm very close to finishing my program of paying off my credit cards and loans for a reduced settlement amount. Couldn't be happier. Little upset about the fees charged for each settlement in addition to the monthly fees. Otherwise it has been a worthwhile program

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      Staff

      Reviewed Aug. 6, 2026

      Very professional and helpful! I would highly recommend their services!

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      Customer Service

      Reviewed Aug. 4, 2026

      Very detailed of what is expected, described the entire process. Allowed time to answer questions. Very pleasant communication.

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      Profile pic of the author.
      Staff

      Reviewed Aug. 2, 2026

      Everyone has been so nice, understanding and professional. Taking this step was really not what I wanted to do, as I feel responsible for the debt I have incurred, but really have no choice and need to do something to improve things, which makes me feel incredibly guilty. Everyone that I have spoken to so far has made this difficult conversation so much easier - it's been a real anxiety reducer.

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      Punctuality & SpeedStaffTransparency

      Reviewed Aug. 1, 2026

      A day later and I am still in awe with how empathetic and understanding my consultant was. The clear and direct form of explanation of how I will see an impact to my financial situation was impressive. I have faith in the decision to commit to receiving support from Five Lakes and I am now excited about my future again. I had a weight lifted that has had me in a dark place lately. I'm just so grateful.

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      Reviewed July 31, 2026

      Everyone took the time to listen to my concerns and I was able to explain exactly what they told me so we knew I understood the process.

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      Customer ServiceStaff

      Reviewed July 30, 2026

      I was so nervous to take this step. I was greeted with the most informative, kind gentleman that answered all of my questions and concerns. You are given ample time to ask questions and voice concerns. Each step is explained in detail. There is an app you can follow along with your progress. There are multiple resources to read if you need further understanding. I was given clear instructions for each step of the process. I was supplied with emails, numbers, and chat feeds if I have any questions or concerns along the way

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      Staff

      Reviewed July 30, 2026

      Just started the journey with Five Lakes Legal Group to help me with my debt. The representatives have been really supportive and helpful in explaining everything to help relieve my stress.

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      Staff

      Reviewed July 29, 2026

      William **, Consolidation Specialist was very helpful in explaining how the program works and what to expect from using the program. He was very knowledgeable about the program and was able to provide answers to my questions.

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      Profile pic of the author.

      Reviewed July 28, 2026

      Being only a few days into the process I can only say that I am very impressed with the folks that I have talked to.

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      Profile pic of the author.
      Staff

      Reviewed July 28, 2026

      I had a great experience. My representative was kind and empathetic to my concerns. She handled me professionally and in a friendly manner, which I like. I would highly recommend contacting Five Lakes to help you too.

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      Staff

      Reviewed July 28, 2026

      Everyone I have interacted with is very helpful and knowledgeable. They also answer all questions thoroughly and take the time to make sure you are comfortable and understand the process.

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      Punctuality & Speed

      Reviewed July 25, 2026

      DO NOT use this company!!! Do your own negotiating. They kept saying we need $3000 and we can settle this today. Then when you do close out your account they come back and say, "You owe us this amount of money for program fees on an account that was closed nine months prior." They went months not negotiating my accounts when I had over $8000 in there waiting to go to my creditors. When I asked to close the account and to send my funds back they took $1000 “program fees” on an old account I closed out.

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      Five Lakes Law Group
      Response from Five Lakes Law Group

      Hi Carol,

      It seems there might be a misunderstanding about how our services work. Our focus is on helping you manage your debt through tailored strategies for your program and financial future. Please know that the fees for your program are success based, so we do not earn anything unless we have gotten our clients a result that they have reviewed and chosen to accept. Please reach out to our Client Success team at clientsuccess@fivelakeslawgroup.com or 855-441-6129.

      — The Five Lakes Team

      Profile pic of the author.

      Reviewed July 24, 2026

      They are not clear on their fees and completely give you the run around. They basically kept most of my money to pay themselves instead of paying off my debt. Never use this service. Their goal is not to get you out of debt but to get you to pay the 27% of your debt to them and then pay off your debt which if you spoke to your creditors directly would've given you that offer anyway. If I could give them less than 1 star, I would.

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Hassan,
      This is simply not true. It's important to clarify that our compensation is based entirely on successful outcomes. We only earn fees when we achieve results that you, the client, have reviewed and approved. This aligns our goals directly with your success. We would love the opportunity to provide you with clarity surrounding any steps in our specialized process. Please reach out to clientsuccess@fivelakeslawgroup.com or 855-441-6129.

      – The Five Lakes Team

      Reviewed July 23, 2026

      I would recommend Five Lakes to anyone who is struggling with debt. They are very detail oriented. They think of every little thing to make the process easier. I feel like a weight has been lifted off my shoulders.

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Patricia,
      We’re grateful for your recommendation and pleased to hear that our team's attention to detail has made your experience smoother. It’s wonderful to know you feel a sense of relief as you move forward.

      — The Five Lakes Team

      Profile pic of the author.
      Staff

      Reviewed July 23, 2026

      Very helpful with resolving my debt to make life easier.

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Angel,
      We’re grateful to hear that our team has made a positive impact on your journey to financial freedom. It’s our mission to help clients like you navigate their program effectively.

      — The Five Lakes Team

      Staff

      Reviewed July 23, 2026

      Starters made me feel they cared about my situation and showing me that this will be a better outcome for me.

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Laron,
      We're delighted to hear that our team made you feel valued and supported in your journey. It's our mission to ensure a positive experience for all our clients.

      — The Five Lakes Team

      Profile pic of the author.
      Customer ServicePunctuality & SpeedStaff

      Reviewed July 22, 2026

      I would like to thank Five Lakes for exceptional customer service. The lawyers and all the staff answered all my questions and made the process quick and easy.

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Scott,
      Thank you for your kind words! We’re so glad to hear that our team provided exceptional service and made your experience seamless.

      — The Five Lakes Team

      Profile pic of the author.
      Staff

      Reviewed July 21, 2026

      This group is helpful with the knowledge; sometimes you have no other way when things are bad for you.

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Jeremy,
      Thank you for your kind words! We're pleased to hear that our team was able to provide the support and knowledge you needed during a challenging time.

      — The Five Lakes Team

      Staff

      Reviewed July 21, 2026

      We were at a point that we knew we needed to do something. I was very nervous and the reps that I spoke with were easy to talk to and made me feel comfortable. Shannon helped me make some important decisions but I still felt in control.

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Joyce,
      We’re grateful to hear that our team made you feel comfortable during your journey. It’s wonderful to know that Shannon was able to assist you while ensuring you felt in control of the decisions.

      — The Five Lakes Team

      Profile pic of the author.
      Sales & Marketing

      Reviewed July 21, 2026

      I was very nervous about this do to so many scams out there. But after talking with the representation of this firm, they made me very comfortable. I understood how the program works and know exactly what they are able to do for me. I strongly recommend Five Lakes.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Daniel,
      We're pleased to hear that our team made you feel comfortable and informed about your program. Your recommendation means a lot to us, and we appreciate your trust in Five Lakes Law Group.

      — The Five Lakes Team

      Profile pic of the author.
      PriceStaff

      Reviewed July 21, 2026

      They don’t actually help relieve anything. It seems like they do, but you just end up paying them everything you would’ve owed. I had $20,000 in debt and still paid $20,000 and then some because of the money I owed them. Plus all the accounts I paid off went as “charged off,” and my credit went from a 700 to less than 600. I even had a civil lawsuit filed against me for debt I had paid that is still unresolved. PLEASE take this as a warning and do NOT hire them!!!

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Samantha,
      This is not an accurate depiction of the experience at Five Lakes Law Group. Our focus is on helping you manage your debt through tailored strategies for your program and financial future. Please know that our clients typically see their financial health fully recovered before the end of their program. Our team is dedicated to supporting you and resolving these challenges effectively. Please reach out to clientsuccess@fivelakeslawgroup.com or 855-441-6129.

      — The Five Lakes Team

      Staff

      Reviewed July 20, 2026

      Just started but it sure does feel right. So knowledgeable and professional.

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Melissa,
      We're pleased to hear that your initial experience with us feels positive! Our team of experts at Five Lakes Law Group is dedicated to providing knowledgeable and professional support as you begin your journey.

      — The Five Lakes Team

      Profile pic of the author.
      PriceStaff

      Reviewed July 20, 2026

      I felt all my questions were answered and appreciated the information shared with me. I was pleasantly surprised how affordable it is! So grateful to have peace of mind to help me become debt-free.

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Melissa,
      We're grateful to hear that our team was able to provide you with the information you needed. It's wonderful to know you're feeling more at ease on your journey to becoming debt-free.

      — The Five Lakes Team

      Profile pic of the author.

      Reviewed July 19, 2026

      Five Lakes is very personable, have integrity and and are swift in negotiations with lenders.

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Sandy,
      We appreciate your kind words about our team at Five Lakes Law Group. It's wonderful to know that our commitment to integrity and prompt service has positively impacted your experience.

      — The Five Lakes Team

      Profile pic of the author.

      Reviewed July 18, 2026

      The process was extremely easy and did not take much time at all. A decision was made in a matter of minutes!

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi AJ,
      We're excited to hear that you found the process straightforward and efficient! Our team at Five Lakes Law Group strives to make your experience as smooth as possible.

      — The Five Lakes Team

      Customer Service

      Reviewed July 18, 2026

      So far so good, I just started. But good communication whenever I have a question.

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Diana,
      We’re pleased to hear that your communication with our team has been positive so far. Our team of experts at Five Lakes Law Group is here to support you throughout your journey to a debt-free future.

      — The Five Lakes Team

      Staff

      Reviewed July 18, 2026

      Five Lakes Law Group Attny/Staff are friendly, knowledgeable, compassionate, professional, and make you feel like a valued customer. Five Lakes made me feel relieved and confident that all was going to be fine. They go above and beyond, exceeding all expectations.

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi James,
      We're pleased to hear that our team members made you feel valued and supported throughout your experience with Five Lakes Law Group. Your recognition of our commitment to exceptional service means a lot to us.

      — The Five Lakes Team

      Staff

      Reviewed July 17, 2026

      Very kind. Was very helpful. Answered all my question and guarantee me would get this done and get it done right. So far it's been a great experience.

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Cynthia,
      We're pleased to hear that our team member provided you with helpful answers and support. Your positive experience means a lot to us, and we look forward to assisting you further!

      — The Five Lakes Team

      Reviewed July 16, 2026

      Initial contact was easy, complete and detailed. I look forward to starting the process.

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Stan,
      We're pleased to hear that your initial experience with us was informative and straightforward. Our team of experts at Five Lakes Law Group is here to support you every step of the way as you begin your journey.

      — The Five Lakes Team

      Customer ServiceStaff

      Reviewed July 15, 2026

      From the start, the person I spoke with was very helpful, friendly, and above all, very patient. Towards the end of the call, I was left feeling very confident that I had made the right choice because I had learned quite a bit of excellent information.

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Lawanda,
      Thank you for your kind words! We're grateful to hear that our team member was able to provide you with valuable information and support during your call.

      — The Five Lakes Team

      Profile pic of the author.
      PricePunctuality & SpeedRefunds & Payouts

      Reviewed July 15, 2026

      Five lakes law group did not lower any of my debt. They wait until you get sued by the company in order to negotiate the debt. My debt increased to a higher amount then what I owed. Which they take 27 percent of it. I gave them extra money to pay off one of the creditor. They didn't pay them off at all. They took the money out of the account and kept it. They wanted more money. They do not represent you at court and the negotiate on tat debts were not lowered. I was paying more out of pocket. I felt I was getting the run around on my questions. When I canceled the program they said that any money that was left will go back to me after they take out fees and other attorney fees which is all the money I paid into the debt account to pay the creditors. I also asked where the extra money went. They said it went to other offers when there was no offers made. Never do business with them. They are not upfront with their fees and cutting your debt down.

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      Five Lakes Law Group
      Response from Five Lakes Law Group

      Steven,

      We regret to hear about your experience with your account. Historically with our clients, only 1-2% of enrolled accounts see any sort of legal action. Additionally, we earn nothing unless we have been able to reduce your debt burden. Our fees are success-based and we only receive compensation if we achieve client approved results. Please reach out to our Client Success team at clientsuccess@fivelakeslawgroup.com or 855-441-6129 so we can discuss your concerns.

      — The Five Lakes Team

      StaffEase of Use

      Reviewed July 14, 2026

      This program is just what I needed, and everyone has been very helpful at explaining everything to me. It was really easy to navigate, and I’m excited to complete the process. It’s reassuring to know they’re there to assist and support me. Thank you.

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Charlene,
      We’re grateful to hear that our program has met your needs and that our team members have been helpful throughout your journey. Your positive experience means a lot to us!

      — The Five Lakes Team

      Customer ServiceStaffBilling

      Reviewed July 14, 2026

      So far, our experience with Five Lakes has been excellent. The process has been seamless, customer service has been incredibly helpful, and their willingness to do everything they can to reduce our overall debt and monthly payments has been stress-free. We finally have some breathing room in our finances. It’s been such a pleasant experience.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Sherry,
      We’re delighted to hear that your experience with Five Lakes has been so positive! Our team is dedicated to providing exceptional support, and we’re glad you’re feeling more at ease with your finances.

      — The Five Lakes Team

      Reviewed July 10, 2026

      Simple and straightforward. They are doing what I asked them to do. They are not finished with all of my accounts yet but several of my past due accounts have been settled for about 50% of the original balance. Good job.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Robert,
      We're pleased to hear that you're having a positive experience with our team! Your satisfaction is our priority, and we appreciate your recognition of our efforts.

      — The Five Lakes Team

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      Five Lakes Law Group Company Information

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