How ConsumerAffairs uses cookies

This website utilizes technologies such as cookies to enable essential site functionality, as well as for analytics, personalization, and targeted advertising. To learn more, view the following link:

Five Lakes Law Group Reviews

4,967,499reviews on ConsumerAffairs are verified
  • We require contact information to ensure our reviewers are real.
  • Our moderators read all reviews to verify quality and helpfulness.
  • We use intelligent software that helps us maintain the integrity of reviews.
+1 more
Author picture
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.

Shop with confidence

Compare with top companies

Five Lakes Law Group Reviews

Filter by Rating

  • (400)
  • (19)
  • (5)
  • (3)
  • (30)

Popular Mentions

    How do I know I can trust these reviews about Five Lakes Law Group?
    • 4,967,499 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Top reviews
    • Top reviews
    • Recent
    • Oldest
    • Most helpful

    A link has directed you to this review. Its location on this page may change next time you visit.

    How do I know I can trust these reviews about Five Lakes Law Group?
    • 4,967,499 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 35
    Profile pic of the author.
    Customer ServiceStaff

    Reviewed Sept. 16, 2026

    I was extremely nervous going into this process. Not knowing what to expect and if this was even the correct path for me to take. Every single person that I have spoken to thus far has been amazing. From the initial call to look at my options, the next call to go over the option that I have chosen and then the final call to again explain the program. I really feel that they care about me and helping to get me financially stable and out of debt. I am only in the first stages but I am very confident that I have made the right choice in trusting Five Lakes Law Group with my future financial well being.

    Thanks for your vote!
    Profile pic of the author.
    Customer ServicePriceStaffBillingTransparency

    Reviewed Aug. 28, 2026

    ⭐⭐⭐⭐⭐. I cannot say enough wonderful things about Five Lakes Law Group! From the very first interaction, I have been extremely impressed with the professionalism, communication, and compassion shown by every associate who has contacted me throughout this process. Each person I have spoken with has taken the time to listen to my financial situation without judgment and genuinely understand what I was going through. They provided excellent advice and worked with me to establish affordable payment plans that allowed me to address each creditor without feeling completely overwhelmed financially.

    One of the things I appreciate most is the excellent communication and transparency. Their detailed online dashboard allows me to see exactly where I stand with each creditor throughout the process. Having that information readily available gives me peace of mind and makes me feel informed and in control. Everyone I have dealt with has been knowledgeable, patient, respectful, and truly compassionate. They have made what could have been an incredibly stressful experience feel manageable and have given me confidence that I am taking the right steps toward resolving my debt. I am incredibly grateful for the support and guidance I have received from Five Lakes Law Group. If you are struggling with debt and looking for a company that will treat you with respect, compassion, and professionalism, I highly recommend Five Lakes Law Group. They have truly exceeded my expectations!

    Thanks for your vote!
    Five Lakes Law Group
    Response from Five Lakes Law Group
    Hi Kyra,
    We're thrilled to hear that our team members have provided you with compassionate support and clear communication throughout your journey. Knowing that your experience with Five Lakes Law Group has brought you peace of mind means everything to us. Thank you for your kind words and for trusting us on your journey to financial freedom!

    — The Five Lakes Team

    Not sure how to choose?

    Get buying tips about Debt Settlement delivered to your inbox.

      By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

      Thanks for subscribing.

      You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

      Customer ServiceStaffBillingHonesty & Transparency

      Reviewed Aug. 21, 2026

      The representative on my initial call was very informative, professional and personable. He explained in great detail the entire process, what to expect along the way as well as realistic timely outcomes. He definitely helped ease a lot of my worries and was empathetic to everything I’ve been through both financially and physically so that was definitely appreciated.

      My follow up call with my attorney the following morning went just as well. She was professional and very personable, and reiterated enough to ensure that I fully understood the process, payments and what to expect in the near future. I can honestly say starting this process has finally put a bit of ease to my fully stressed mind and life, and I’m looking forward to working with this team. I truly feel everything is going to work out just as I want and need allowing a fresh start to get on with my future endeavors debt free!!

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Cherron,
      Thank you for sharing your experience! We're delighted to hear that our team members provided you with the support and understanding you needed during this journey. Your commitment to achieving a debt-free future is inspiring, and we're glad to be part of it at Five Lakes Law Group.

      — The Five Lakes Team

      StaffBilling

      Reviewed Aug. 20, 2026

      I was consumed with trying to manage paying off a 70,000 debt, and had doubts that I could not only qualify for assistance, but also trust the process, and operation of this resource. Every time I used the credit cards, before, and after swiping I would hold my breath, knowing I'm hurting myself and digging myself into a deeper hole, and I felt the only way to save myself, is to stop digging and try to climb up and out. So I googled debt relief help, and discovered Five Lakes Law group, by way of accredited debt relief, and everything changed after that.

      The representatives from Accredited, Five Lakes, and the Lawyer who represents my case has been attentive to my concerns, doubts, and mistrust with the process, they provided me with the peace i needed to move forward with the process. As I was apprehensive about sharing my personal information, and financial decision making that got me in this financial situation and circumstance. Now I have peace of mind knowing that I'm in the process of being set free from financial debt bondage. Thank you Five Lakes, for qualifying my debt case issues.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Ron,
      We’re so happy to hear that your experience with Five Lakes Law Group has brought you the peace of mind you were seeking. Your commitment to overcoming your financial challenges is truly inspiring, and we're grateful to have been part of your journey.

      — The Five Lakes Team

      Staff

      Reviewed Aug. 14, 2026

      I tried several times to go through the process of hoping to eliminate debt that I could live without but there was always a piece of the puzzle that sounded simple but was not clear enough. So I 'd stop with the process. However, when Five Lakes came along and explained your procedures I not only felt at ease but saw clarity with much more understanding of a way out. It was all in the wording you chose without me asking the why's and how. I'm still in the fight but with ease and comfort. Thanks for the clearity and support that you offer that makes me not feel small and uncomfortable!

      I thank God for the hook-up. Many blessings to you and your firm.

      Thanks for your vote!
      Customer ServiceStaff

      Reviewed Sept. 20, 2026

      Communication is great. Everyone is very friendly and understanding. Got 1st resolution offer within a couple of months which was $6300 less than what total was. Very happy. 2 more accounts to go.

      Thanks for your vote!
      Staff

      Reviewed Sept. 20, 2026

      Using their service has reduced both my debt and my stress. It has made all the difference in a time where deciding between groceries and medication happens every day. The staff has been so helpful and kind which is hard to find.

      Thanks for your vote!
      Staff

      Reviewed Sept. 19, 2026

      After researching the Internet for a valid trusted debt free company, after speaking with a spokesman I felt comfortable and confident I found the right company to help me.

      Thanks for your vote!
      Profile pic of the author.
      Staff

      Reviewed Sept. 17, 2026

      Process was simple. They were extremely nice and knew exactly what I needed. Definitely the right choice for me. I would highly recommend if you need help.

      Thanks for your vote!
      Staff

      Reviewed Sept. 17, 2026

      Very helpful, explained the process very thoroughly.

      Thanks for your vote!
      StaffCommunication

      Reviewed Sept. 17, 2026

      They make everything simple to understand. And keep me informed about what is happening. I couldn’t be happier.

      Thanks for your vote!
      Sales & MarketingOnline & AppStaff

      Reviewed Sept. 16, 2026

      Robert from Accredited was very helpful and knowledgeable about my situation. He addressed all of my concerns and had great suggestions. In addition, my onboarding was also informative and showed me how to maneuver within the app. So far, I am very pleased with the experience.

      Thanks for your vote!
      Profile pic of the author.
      Staff

      Reviewed Sept. 16, 2026

      Friendly, knowledgeable group. Eager to help others in need and highly recommend.

      Thanks for your vote!
      Staff

      Reviewed Sept. 14, 2026

      Very outstanding experience. Wonderful attorney and staff. If I could give more than 5 stars I would for exceptional service.

      Thanks for your vote!
      Customer Service

      Reviewed Sept. 14, 2026

      This is my first time using Five Lakes Law Group and I will say I was skeptical at first. The usual seemed too good to be true scenario, BUT man have they shut me and my doubts up. I am a couple of months into the program and I've never been happier. The amount of debt decrease is astounding and such a stress reliever. This is your sign to get yourself out of that black hole we call debt! You will NOT be disappointed!

      Thanks for your vote!
      Profile pic of the author.
      Customer ServiceStaff

      Reviewed Sept. 12, 2026

      I would recommend Five Lakes Law, to anybody who is looking for help with their finances...they were great from 1st phone call to last phone call...

      Thanks for your vote!
      Staff

      Reviewed Sept. 10, 2026

      They know how to help with debt. So far so good with me.

      Thanks for your vote!
      PriceStaffBillingLoan Process

      Reviewed Sept. 10, 2026

      Five Lakes program for credit consolidation isn't a loan, it's a plan that provides relief from credit card debt. That's what I want. The process has been worth the time it takes to get started. The staff has been very personable, responsive, and caring. I'm just starting with them, and feel confident that they was genuinely concerning and supportive of assisting me with my bad financial decisions. I would recommend this program to anyone.

      Thanks for your vote!
      Customer ServiceStaffTransparency

      Reviewed Sept. 9, 2026

      So far it's been a real pleasure to talk with everyone. Communication and transparency is very evident. Very professional, and they stressed to please call them if I had any questions or concerns at all.

      Thanks for your vote!
      Profile pic of the author.

      Reviewed Sept. 9, 2026

      So far, so good. Haven't spoken to the attorney yet.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi August,
      We're glad that you're giving your program and Five Lakes Law Group a chance to work for you. Our team looks forward to going above and beyond to help you reach your financial goals. We hope that once we are able to meet your expectations, we can earn a 5-star review from you in the future.

      — The Five Lakes Team

      Staff

      Reviewed Sept. 9, 2026

      The people are awesome! Very knowledgeable, very friendly and very helpful!! I was at my wits' end when it came to solving my debt problem

      Thanks for your vote!
      Profile pic of the author.
      Staff

      Reviewed Sept. 6, 2026

      Y'all are amazing .. This program is amazing hands down.

      Thanks for your vote!
      PriceStaffBilling

      Reviewed Sept. 6, 2026

      Five Lakes is working with me. It is my first deposit, but have already have an offer to one credit company to lower my charges. I am so happy, and will be bringing my credit cards to an end. This is a fantastic company, and they have communicated with me thoroughly.

      Thanks for your vote!
      Punctuality & Speed

      Reviewed Sept. 4, 2026

      I am just in the beginning stages of this process, but so far Five Lakes has been wonderful. They’ve explained everything perfectly and they said they will keep in touch with me through the whole process. I can give a better review later. Thank you so much.

      Thanks for your vote!
      Profile pic of the author.
      Staff

      Reviewed Sept. 3, 2026

      Very helpful. Just was unaware that I possibly could receive a 1099C at the end of the year.

      Thanks for your vote!
      Profile pic of the author.
      Customer ServiceStaff

      Reviewed Sept. 1, 2026

      Very simple, straight forward procedure. A fifteen minute phone call with the attorney assigned to my case and they take care of the rest.

      Thanks for your vote!
      Profile pic of the author.
      Staff

      Reviewed Aug. 31, 2026

      Excellent top to bottom. Nate was unbelievably helpful and friendly. Really lowered my stress level. We have a plan in place and I am extremely happy! Cannot recommend enough.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Christian,
      Thank you for your kind words! We're delighted to hear that Nate was able to provide you with helpful and friendly support, and that you feel more at ease with your plan in place. Your recommendation means the world to us!

      — The Five Lakes Team

      Profile pic of the author.
      Customer ServiceStaff

      Reviewed Aug. 29, 2026

      The initial call was great, very informative and thorough.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Gene,
      We’re so happy to hear that your initial call was informative and thorough! Part of our mission at Five Lakes Law Group is to ensure our clients feel well-informed as they begin their journey to a debt-free future.

      — The Five Lakes Team

      Profile pic of the author.
      Staff

      Reviewed Aug. 29, 2026

      Everyone has not only been highly professional, but real and kind.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Staci,
      We’re so happy to hear that you found our team at Five Lakes Law Group to be both professional and compassionate. Your experience matters to us, and we appreciate your kind words.

      — The Five Lakes Team

      Profile pic of the author.
      Staff

      Reviewed Aug. 29, 2026

      The process was easy and Tyler was so helpful. I have already recommended you to Two of my friends.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Lorna,
      We’re so glad to hear that Tyler was able to provide you with helpful support throughout your journey! Your willingness to recommend Five Lakes Law Group to your friends means a lot to us.

      — The Five Lakes Team

      Reviewed Aug. 28, 2026

      I was treated with respect and kindness throughout the entire process.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Rhonda,
      It’s wonderful to hear that you felt respected and cared for during your experience with Five Lakes Law Group. Your feedback is a testament to our team’s commitment to supporting clients on their journey to a debt-free future.

      — The Five Lakes Team

      Profile pic of the author.

      Reviewed Aug. 28, 2026

      Two of my accounts has been settled with massive savings on my end.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Frank,
      We're so glad to hear about the significant savings you've achieved with your program. It's wonderful to see our clients making real progress toward financial freedom, and we're thrilled to be part of your journey with Five Lakes Law Group.

      — The Five Lakes Team

      Staff

      Reviewed Aug. 26, 2026

      Everyone is professional and down to earth type of vibe. They explain every step to so you understand the process. I would definitely recommend them.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Shelia,
      We’re so happy to hear that you felt supported and understood throughout your experience with Five Lakes Law Group. Your recommendation means a lot to us, and we’re grateful for your trust in our team.

      — The Five Lakes Team

      Punctuality & SpeedStaff

      Reviewed Aug. 26, 2026

      The Five Lakes Law Group are knowledgeable, professional, and patience with their clients. They're attentive and understanding of their clients' needs. They are easy to talk to, and I feel confident in them. They've helped me set up a debt resolution schedule that is very manageable for me. They've relieved my stress about my debts. I felt the weight release after talking with them.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Veronica,
      Thank you for your kind words! We're delighted to hear that our team at Five Lakes Law Group has been able to provide you with the support you need and help ease your stress about debt. Your confidence in us means a lot, and we’re honored to be part of your journey to a debt-free future.

      — The Five Lakes Team

      StaffRates

      Reviewed Aug. 25, 2026

      My husband and I decided to consolidate our expenses due to the high interest rates that made paying things off more difficult. We contacted Five Lakes and our experience with them so far has been remarkable. Everyone is professional, understanding, and they explain the process thoroughly. We are so glad we made this decision and we wish we had made it sooner. We definitely recommend Five Lakes if you are thinking of debt consolidation.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Erika,
      We’re thrilled to hear that your experience with Five Lakes Law Group has been so positive! It's wonderful to know that our team has provided you with the understanding and professionalism you deserve on your journey to a debt-free future.

      — The Five Lakes Team

      PriceStaff

      Reviewed Aug. 25, 2026

      Definitely worth talking to! Helping me get things back to normal by helping get me rid of a lot of debt! So far things are looking up! Ready to put all this debt behind me and get things better in my life!

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Joanie,
      It's wonderful to hear that your journey towards a more stable financial future is progressing positively! Your commitment to putting debt behind you is inspiring, and we're so glad that Five Lakes Law Group could assist you along the way.

      — The Five Lakes Team

      Customer ServiceCoverageLoan Process

      Reviewed Aug. 25, 2026

      Everyone I have encountered at Five Lakes have been giving me much needed relief until I started dealing with the underwriting group. I will give them an F on a grade card. They ask for information. I provide that information. They reject it and tell me to call the company and make sure to provide very specific information that has to be in one sheet.. I sent an old statement as an example. They responded, send us screenshots showing the exact amount I owe. 2 screenshots showing every loan and remaining balance. They again reject it because the loan companies name was not on the screenshot. I am old. 100% disabled and I can not seem to make the underwriters group happy. I asked them to call me tomorrow. I will believe they call me when I see my phone ring and it says Five Lakes.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hello Doug,
      We appreciate your feedback and understand your frustration with the underwriting process. Our team strives to provide clarity and support for all our clients, and we regret that your experience didn’t meet those expectations.

      — The Five Lakes Team

      Staff

      Reviewed Aug. 22, 2026

      Great professional advice, very informative, patient, and would continue to ask if all my questions were answered. Also kept assuring me that their office is open 24/7 if I need to contact them, and it would be a person, not AI. Thank you!

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Edwin,
      We're so happy to hear that you found your experience with Five Lakes Law Group to be informative and supportive. Knowing that our team is here for you 24/7 truly reflects our commitment to providing exceptional assistance.

      — The Five Lakes Team

      Customer ServiceStaffBillingResolution

      Reviewed Aug. 22, 2026

      I spoke to a very nice person, I explained my issue about the credit cards, he was informative, thorough and helpful. I could tell he went well above and beyond to resolve my issue. I was very happy at the end of the call. PEOPLE...with bad credit...I highly recommend to get with these people. I promise you, it will be satisfying.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Robin,
      We're so happy to hear that you had such a positive experience with one of our team members at Five Lakes Law Group. Providing thorough and above-and-beyond support is what we strive for, and your recommendation means a lot to us.

      — The Five Lakes Team

      Staff

      Reviewed Aug. 21, 2026

      After being referred from Accredited Debt Relief to Five Lakes Law Group for the next step in the process I have to say the whole experience was much better than I was expecting. I had procrastinated for so long before deciding to see what options I had and everything was completely explained in a way that made me feel listened to, comforted and very easy to understand. Everything is clarified to make sure you understand exactly how everything works and your questions answered and you know what is expected from you and Five Lakes. I really appreciate their services and know I'm in good hands!

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Lou,
      We're so happy to hear that your experience with Five Lakes Law Group exceeded your expectations! It's wonderful that you felt listened to and supported throughout the process, as your success is what motivates our team.

      — The Five Lakes Team

      Could your debt be reduced or forgiven? Take our financial relief quiz.

      Loading more reviews...

      Five Lakes Law Group Company Information

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