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.

Still have questions?

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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    Page 1 Reviews 0 - 35
    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.

    Thanks for your vote!
    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

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      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.

      Thanks for your vote!
      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

      Profile pic of the author.
      PriceStaffRates

      Reviewed May 12, 2026

      I was researching bankruptcy on Google and came across a link for this excellent program. Five Lakes Law Group makes it possible for me to reduce my debt, increasing my available monthly income. Their team is going to bat for me every step of the way to keep creditors at bay until a final resolution is achieved. Five Lakes explains the process in great detail, and I have a personal lawyer working on my behalf. The professionals involved are non-judgmental and are there to serve your best interests, not that of your creditors. Before considering bankruptcy, you deserve to give yourself the best shot at financial freedom. The stress relief is worth it!

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Bill,
      Thank you for your wonderful feedback! We're pleased to hear that your experience with us has provided you with clarity and support on your journey to financial freedom.

      — The Five Lakes Team

      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

      Reviewed June 22, 2026

      So far I find it is going great. Five lakes reduced the debt on one of my cards and I have been able to pay it off fully. I still have some other debts which Five lakes is working on resolving.

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      Staff

      Reviewed June 20, 2026

      Five Lakes has always been excellent to inform you of all changes and progress with your journey to pay off your debt. Would highly recommend.

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      Profile pic of the author.
      Staff

      Reviewed June 19, 2026

      Julie ** is great! She is pleasant, kind, understanding. I was scared and upset when I talk to her, she help me calm down. There was a Second Lady, it don’t remember her name. But she was as well

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      Staff

      Reviewed June 19, 2026

      I haven't gotten all steps completed as of right now but so far has been a good experience! Everything is being explained perfectly and very helpful!

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      Staff

      Reviewed June 18, 2026

      I was very impressed with the information that they were able to provide and the step by step process that they took the time to explain. The process was easier than I had expected and glad that I reached out to them for the help that I needed.

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      Profile pic of the author.
      Punctuality & SpeedStaff

      Reviewed June 14, 2026

      Great experience. CSR was knowledgeable and explained things if I had questions. Quick and easy and I should've done it earlier.

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      Staff

      Reviewed June 14, 2026

      What a great experience! Very professional and patient.

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      Profile pic of the author.
      Punctuality & SpeedStaffBilling

      Reviewed June 13, 2026

      I personally went in thinking, "Oh, they are not gonna be able to help me or try to get me paying high payments." But no, they are wonderful, they got all the creditors that I owe with little information from them are on it. My payments are what I can afford and still live. I highly recommend you try them, you will love and appreciate the relief after you see how much they can help. Everyone are super friendly, helpful, and knowledgeable. You can thank me later...

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      Profile pic of the author.
      Staff

      Reviewed June 12, 2026

      David ** was excellent to talk with. He explained everything completely and seemed genuinely happy to have me as a client. I found him easy to work with and look forward to a long attorney-client relationship.

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      Profile pic of the author.
      Staff

      Reviewed June 10, 2026

      They are very understanding and willing to work with me.

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      Profile pic of the author.

      Reviewed June 10, 2026

      They have done a great job for me!! Been with them for years.

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      Profile pic of the author.
      Customer ServiceStaff

      Reviewed June 10, 2026

      From my first call to my assigned lawyer everyone were respectful, understanding of my situation and very informative of the program. I was going to file bankruptcy because I figured it would be my only option. When Google brought up on my search Five Lakes, I gave it a shot. I’m very happy that I did! If you’re looking for help with debt, contact them, you won’t be disappointed.

      Thanks for your vote!
      Customer ServiceStaff

      Reviewed June 10, 2026

      Very professional, they really know what they doing. Make feel very comfortable on the phone and confident.. Thank you!

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      Profile pic of the author.
      Staff

      Reviewed June 9, 2026

      Courteous, Comfortable, considerate and concise. Grateful for this available service and options.

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      Profile pic of the author.
      Sales & MarketingStaff

      Reviewed June 5, 2026

      Robert was and always has been a professional and now a friend. He is personable, relatable and patient above all. He needs a raise. Possibly a promotion.

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Russell,
      Thank you for your kind words! We're grateful to hear that Robert has made such a positive impact on your experience. Our team strives to provide exceptional service, and it's wonderful to know that Robert exemplifies that dedication.

      — The Five Lakes Team

      Profile pic of the author.

      Reviewed June 3, 2026

      I have had nothing but exceptional experiences throughout the whole process including today. Thank you for reassuring us.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Charles,
      We're delighted to hear about your exceptional experiences with us! Our team is dedicated to providing reassurance and support throughout your journey, and your feedback truly encourages us.

      — The Five Lakes Team

      StaffTransparency

      Reviewed June 2, 2026

      Excellent explanation and kind people to work with. Made it a pleasant experience.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Terry,
      We're grateful to hear that you had a pleasant experience with our team. Our goal is to provide clear guidance and support, so it's wonderful to know we met your expectations.

      — The Five Lakes Team

      Profile pic of the author.
      Staff

      Reviewed May 29, 2026

      Everyone that I spoke to from the beginning to the end, were professional, friendly, knowledgeable, and understanding.

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Joe,
      We’re delighted to hear about your positive experience with our team! Providing professional and supportive service is our top priority, and your feedback truly motivates us.

      — The Five Lakes Team

      Profile pic of the author.
      Staff

      Reviewed May 29, 2026

      I really appreciate how compassionate the firm is at an especially vulnerable time. It made it so much easier to ask for help.

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi there,
      Thank you for your kind words! We’re grateful to hear that our team's compassion made your experience easier during such a vulnerable time.

      — The Five Lakes Team

      Profile pic of the author.
      Staff

      Reviewed May 26, 2026

      Very helpful and clear. Explained thins in a way I could understand every step of the way.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Mike,
      We’re pleased to hear that our team member was able to provide clear guidance and support throughout your experience. Thank you for taking the time to share your feedback!

      — The Five Lakes Team

      StaffBillingCommunication

      Reviewed May 24, 2026

      Five Lakes keep me informed about my account through the website and access to a speak to a representative if I have questions. I can go online to access my account to see what payments have been made to my creditors and the balance in my account. I'm please with how my account is being handled.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Deborah,
      We're grateful for your feedback and are glad to hear that you appreciate the access and communication regarding your account. Our team is dedicated to ensuring you have a positive experience throughout your journey.

      — The Five Lakes Team

      Customer ServicePunctuality & SpeedStaff

      Reviewed May 24, 2026

      I’ve had a really positive experience with Five Lakes Law Group. They always respond quickly and take the time to answer my questions, which I appreciate. So far they’ve resolved 2 of my accounts, and the process has gone smoothly. Debt situations are stressful, but they’ve been professional, helpful, and easy to work with. No complaints from me.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Michael,
      Thank you for your kind words! We're pleased to hear that your experience with our team has been smooth and supportive. Your satisfaction is our top priority.

      — The Five Lakes Team

      Profile pic of the author.
      Customer ServiceStaffBilling

      Reviewed May 24, 2026

      Even though the place I’m in is not comfortable, 5 Lakes Law has been super helpful in giving me advice. Their customer service is super nice and knowledgeable. I am now on my way to getting my credit card control back. Thank you so much for helping me reach this point.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Elaine,
      We're pleased to hear that our team has been able to provide you with helpful advice during your journey. Your progress toward transforming your finances is commendable, and we appreciate your kind words about our service!

      — The Five Lakes Team

      Profile pic of the author.
      Staff

      Reviewed May 21, 2026

      What a wonderful experience! The team is personable and knowledgeable. I wouldn’t hesitate to recommend Five Lakes to my friends.

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Karen,
      We’re pleased to hear that you had such a positive experience with our team! Your recommendation means a lot to us and highlights our commitment to providing exceptional service.

      — The Five Lakes Team

      Customer ServicePunctuality & SpeedTransparency

      Reviewed May 20, 2026

      Phenomenal service and moving very quickly settling debt! Love the communication & updates on website/app!❤️❤️❤️

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Karen,
      We’re grateful to hear you’re experiencing exceptional service and appreciate the communication updates through our platform. Your positive feedback means a lot to us!

      — The Five Lakes Team

      Profile pic of the author.
      Customer ServiceStaff

      Reviewed May 20, 2026

      I’ve only had the enrollment call, but so far, all are knowledgeable and they are thorough in making sure you understand the process.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Michelle,
      Thank you for your kind words! We're pleased to hear that you found our team knowledgeable and thorough during your enrollment call. We're here to support you every step of the way in your journey.

      — The Five Lakes Team

      Profile pic of the author.

      Reviewed May 16, 2026

      I felt like I was financially drowning in debt, and I felt like I had no way out. But then I found Five Lakes online, and everything changed. I'm so thankful and grateful for all they have done.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Nathan,
      We're delighted to hear that your experience with us has made such a positive impact on your financial journey. Thank you for taking the time to share your appreciation!

      — 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.

      Thanks for your vote!
      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

      Customer Service

      Reviewed May 14, 2026

      With the great communication, and detailed questions I had. I don't feel alone in this struggle to climb out of debt. Now I have hope in the journey. Thank you.

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Rhonda,
      We're delighted to hear that our communication has made you feel supported in your journey. It's our mission to instill hope and provide the assistance you need to achieve financial freedom.

      — 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.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Gary,
      We're pleased to hear that you had such a positive experience with our team! Your recommendation means a lot to us, and we're grateful for your kind words about our services.

      — The Five Lakes Team

      Profile pic of the author.
      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.

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Mark,
      We're so glad to hear that your experience with us has been life-changing! Our team at Five Lakes Law Group is dedicated to helping you achieve your goal of becoming debt-free.

      — The Five Lakes Team

      Profile pic of the author.
      Staff

      Reviewed May 7, 2026

      Excellent Professional Representatives help me solve my issues!

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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Sonoma,
      We're excited to hear that our professional team members were able to assist you effectively! Your satisfaction is our priority, and we're grateful for your positive feedback.

      — The Five Lakes Team

      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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      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Lori,
      We’re grateful for your kind words and are pleased to hear about your positive experience with us. It’s our mission to assist clients like you in achieving financial freedom.

      — The Five Lakes Team

      Profile pic of the author.
      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
      Response from Five Lakes Law Group
      Hi David,
      We’re grateful to hear that you are satisfied with your experience thus far. Our team is dedicated to providing clear communication and support as you begin your journey with us.

      — The Five Lakes Team

      Profile pic of the author.
      Staff

      Reviewed May 5, 2026

      Greg was amazing and explained everything in detail and Chet put me at ease knowing that he was knowledgeable in dealing with my case!

      Thanks for your vote!
      Five Lakes Law Group
      Response from Five Lakes Law Group
      Hi Andy,
      We’re delighted to hear that Greg provided thorough explanations and that Chet's expertise helped put you at ease during your experience with us. Thank you for your kind words!

      — The Five Lakes Team

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      Five Lakes Law Group Company Information

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