Five Lakes Law Group Reviews

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.

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!

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.

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!

I really enjoyed talking with the representative. She was very supportive and helpful with my concerns. She explained everything in detail and everything I needed and understood how the process works. I definitely would recommend this program to others.

The people I spoke with explained everything. It was nice to have a group of people that took their time, ensured that I understood everything. I did not feel pressured into proceeding with the plan they established. They also explained what the differences was if I did not proceed and if I did proceed. Huge difference, HUGE difference.

This Law Group is outstanding! From the start of my conversation with our Lawyer she was very kind and put me at ease! She made us so glad we had been assigned to her!

Everything went very smoothly and quickly. Instructions were clear and easy to understand. Would use them again.

Sounds good go get it right now. Everybody seem to be nice and concern. Appreciate that.

AVOID this company at all cost!!!!! They claim to help you with your debt. When I signed up, they gave me an amount I'm supposed to pay and until when. When the first settlement came, they called and said they will charge me this much instead. Sure, I understand. They also said stop making payments and they will be in contact with creditors and I'll get help with if I get sued. I was sued 3X! And the last one is only for $300 original debt that I stopped paying because they told me too and the balance ballooned up because of interest. I'm also supposed to be done with payments but they're still charging me every paycheck. They will show you numbers of how much of your debt has lowered - DO NOT believe those numbers. The additional interest, plus whatever they're charging me, I ended up paying more. Their customer service is soooo bad that they all be gaslighting me and giving me empty empathy.

I was apprehensive about the whole program seeing as I’d have to stop paying my creditors. However, the whole process to sign up was quick and then the process of the debt reconciliation was so simple. I literally just had to sit back and let Five Lakes do all the work. I’ve paid off many of my creditors now and all but one are in progress. I am very pleased with the program. Yes my credit score dropped initially but it’s already back to where I was and it was so worth it.

Employee very knowledgeable, kind, patient, and friendly. Worked until he found the product that fit my situation the best. Wasn't in a hurry at all.

We are only in the beginning process of getting to know you and what you offer. So far everyone is knowledgeable and comfortable to speak with. They walk you through the steps as you're doing the paperwork and you feel confident that this Five Lakes Law Group can make better financial resolutions for you and bring less stress while your working with them. The best part is the end results of savings in the long run.

Very friendly and understanding. I feel confident in my ability to spring forward after all these debt issues.

Signing up was very easy. They basically do all the work. Very nice people. The app is very easy to navigate.

Excellent customer service. Everything was explained thoroughly so that I could understand what to expect. Everyone I have spoken to thus far has been very professional.

I am finally on the road to feeling better financially and otherwise. This was a fast experience with immediate results. Everyone was very helpful and answered all of my questions more than once. After a brief questionnaire about my financial situation, I was called 5 minutes later and walked through the entire process at length. The next day I was able to speak with the attorney assigned to my case who made sure I understood the whole process. I am so happy I took the leap for some outside help.

Very easily explained and understood. A very simplified process towards financial freedom.

I am fully satisfied that I am in good hands to handle my financial challenges. I have not had any problems to date with my financial management communication.

I was incredibly anxious about addressing my debt, but the team at Five Lakes Law Group made me feel completely at ease. They were highly professional, straightforward, and answered every single question I had without making me feel judged. They walked me through the entire debt resolution process step-by-step, providing massive clarity on my financial situation. If you are looking for a team that actually cares, communicates flawlessly, and delivers on their promises, I highly recommend them!

My initial contact was very pleasant. Information received was encouraging that my debt could be reduced and help my balances could be satisfied. Every person I dealt with was very professional and informative. I am looking forward to a complete resolution.

Wonderful customer services so far!!! Had a lot issues and every time I've reach out for help the representatives are always nice and pleasant to deal with.

Five Lakes Law Group has made the whole process manageable and easy. I haven't had any type of complaints nor harassing phone calls from my previous company.

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

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

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

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.

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.

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!!!

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.

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

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.

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.

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.

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.

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.

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.

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.

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.

Very helpful with resolving my debt to make life easier.

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

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.

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

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.

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.

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!!!

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

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.

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

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

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

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.

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.

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

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.

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.

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.

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.

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.

Jaron was extremely honest with me and helpful. Made me feel good at the end of the calls

The law team has been helpful and forthcoming on all options and professionalism!

I had a great experience, they walked me through everything, and they were very patient and kind. The process was easy and quick! They aren’t rated number 1 on Forbes for no reason! Look no further, book with them!

Everyone I talked to was extremely kind and helpful through the entire process.

I was apprehensive about making this move but they took their time to explain all of the steps thoroughly and they answered my questions.

I was skeptical but decided to make the call but I am glad that I did. Everyone I have spoken with have been knowledgeable and supportive. The process was easy to navigate and I am already receiving results. I had questions about the offers to settle two accounts and when I called my question were answered professionally and the agent was able to help with the process to accept those offers. Would recommend this company to anyone looking for help getting out of debt.

They say nothing about the fees when you sign up. They call constantly asking for more than the agreed-upon semimonthly automatic payments which for me is already over $800 a month. Have paid them over $25,000. They have paid out $15,200. They asked if I could get a bank loan to give them more money!

Great company, very helpful and quick. They settle and work fast. And are about the lowest price you will find.

Great Experience in order to find a resolution to become debt free.

The people are very nice, understanding, and helpful. And making sure I understand everything going forward.

They made me feel optimistic about what will happen for me and explain the program clearly.

Great company to work with, your case manager reaches out after you start the program. App is very useful and helpful and easy to use.

They are doing what they said they would do and constantly working to help reduce my debt. I really appreciate them.

Very professional and don’t waste anytime getting the job done.

This company has been mostly a 5 star, I had a little problem earlier in the year with paying off a creditor, I was given the wrong amount, they did correct it 2 weeks later. Other than that my Almost 3 year experience has proven to help me get out of debt. I have only one more credit company to be negotiated after paying off 10, one is in process and one to go! 2 creditors would not negotiate down the 40-50%, but the other ones have. I’m much better off now than I was before I started this program.

Great service, very knowledgeable and thoughtful. Made a very stressful debt situation from a divorce basically vanish!

Everyone that I spoke with was knowledgeable and understanding of my goals and needs. The same information was expressed by each member so I felt confident that they knew what they were doing. Would highly recommend this company.

I had a great experience with Five Lakes Group. Their team was professional, knowledgeable, and took the time to answer all of my questions. They made me feel comfortable throughout the entire process and truly put me at ease. I appreciated their patience, clear communication, and commitment to providing excellent customer service. I highly recommend them to anyone looking for trustworthy and supportive financial guidance.

So far, so good! I have to wait for a problem to arise to make a final judgment.

Very professional and made the process quick and easy.

I am so glad that I was referred to Five Lakes Law Group. I feel so relieved and feel like a big chip has been lifted off my shoulders! Thank you, Accredited Debt Relief for helping me pay off my debt faster and simpler. Paying everything all off at once. No more strain or pressure. Shout out to my specialist Mr. Dylan ** who guided me through and explained everything with clarity and patience!

Polite, professional and understanding. Wonderful experience!

Great experience. They always ensure you have the information you need to make decisions and help you move forward out of difficult situations. Easy to communicate with and very professional in their interactions.

The plan that I'm on is affordable, the process to get there was easy.

Excellent lawyers. Very friendly and knowledgeable. Really care.

So Far the total experience has been great. From the initial call with the Rep to the follow up call with my Attorney Rep. Everyone were friendly, knowledgeable and seemed genuinely concerned about assisting me with options to begin my road to debt relief.

Everyone that I spoke to were very understanding of my situation. They were professional while being patient and friendly. I feel so much better about my financial situation now that they are handling my debt situation.

Wonderful communication and explanation of the process.

They made the process extremely easy explained. Everything answered all my questions. Everyone was extremely polite. I would highly recommend for their services.

So far I am satisfied with the service. Only two accounts have been resolved. I am hoping more will happen soon. The only drawback is your credit takes a big hit.

I did my research and this company seemed the best and not a scam. It was rated number one for debt help. They explained how everything was going to go and I feel heard and feel I can come to them with anything. I’m just getting started but I already feel a huge weight off my shoulders.

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.

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.

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

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!

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.

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.

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

What a great experience! Very professional and patient.

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...

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.

They are very understanding and willing to work with me.

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

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.

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

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

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.

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

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

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

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

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.

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

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.

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.

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.

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

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

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

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.

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.

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.

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.

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!

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.

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.

Excellent Professional Representatives help me solve my issues!

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.

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.

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

Very helpful and very satisfied with their professionalism. I would recommend them to friends and family.

Five Lakes is representing me well during a period of financial distress and loss of a family member. They have been very thorough in instructions and outcomes. I have been able to contact them with any questions I may have had with good resolution.

I just started my program with Five Lakes Law Group this week, and the relief I feel is immediate. The enrollment process was smooth, and the team took the time to explain every detail so I knew exactly what to expect. It’s a huge weight off my shoulders knowing I finally have a professional team in my corner to help me handle my debt. I'm looking forward to the journey ahead!

Everything is wonderful so far. Just got started with the program and I am super excited and feel so slouch better about my situation. Everyone has been so amazing answering all my questions, ensuring that I completely understand the process and I am still in a great place to move forward. Outstanding customer service. Thank you Five Lakes for helping me feel less stressed, ensure I am heard and that I am working to get out of my current situation!

Great customer service and very helpful in all needs.

I have been working with Five Lakes since 2022. They are friendly, helpful, and a great company to work with. Very professional group of people.

All I can say is my experience so far has been on point. I've had no surprises and everything has gone as it was discussed. I'm very happy with them right now. Very easy to navigate and understand.

Melissa is great! Glad she will be my attorney! Was very informative and kind.

I was skeptical at first and when I saw how the program works. I was impressed how easy it was. The representatives were great and highly recommend them to others.

Very educational and explains every step of the way! The people are patient and kind and make room for any questions you may have. The payments are MORE than reasonable! The people seem to really want to help and love what they do!

The whole team was a great help finding me a solution!!

The only problem is they charge 27% based on your total debt and not the negotiated debt. If you owe $40,000 and they get it down to $20,000 you're paying based on the $40,000. Fees are one thing, but you do not see their fees on the Five Lakes Dashboard. They are pros when it comes to talking in the beginning and very nice but make sure you read the contract. I was stupid and didn't. 27% of the negotiated number would be expectable but off the full amount is just greedy.

I haven’t really worked with you guys yet but the professionalism did it for me & that told me you guys stand on business on trying to help me with my debts.

Just started my journey but so far I feel very confident I have gone down the right path to financial stability.

I was stressing out for years trying to resolve debts accrued during a divorce. I finally dropped my pride and reached out for help. Five Lakes has been making this process as painless and stress free as they possibly could have. I don’t think it gets much easier than this! No more taking collectors calls and haggling with negotiations that usually don’t end in your favor. Five Lakes takes all of that stress away!

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.

Five Lakes has took the stress off of me with my bills helping me consolidate them. They are always there to answer any questions I have. They are very prompt working with my creditors and letting me know when there is a offer from my creditors. I would highly recommend this company. Thank ya'll so much for helping me!!

Very proactive, and good results so far. I am hopeful that my credit score will also go up soon.

Five Lakes will wind up costing you. Not all creditors work with them, even if Five Lakes tells you they work with them "all the time". Multiple accounts of mine did NOT receive a lowered balance, and on top of having to pay the full balance, Five Lakes charged 27% just to set a schedule of payments with the creditor. They are deceitful, and good luck being able to get straight answers when you want to talk to someone about specifics with the money you've deposited and how you would like for it to be disbursed.

Five Lakes has performed what it committed to when I first discussed their programs with me. Their staff has been courteous and well informed when I contacted them. The site and the software and communications basically all work well. One minor suggestion would be to include the dollar amount that has been paid up to that point in time for each outstanding balance.

Sydney was polite, professional and caring. I feel she will handle my account to the best of her ability.