Five Lakes

• Free

Last verified 31 Jul 2026

4.9 4502 ratings · App Store

1. 5/5So far, 10/10

   If you are really serious about getting out of a significant amount of credit debt, this is like a dream come true. I was about to sign off on a personal loan to consolidate my ~$15,000 in credit debt that I couldn’t afford to pay more than the minimums on each month, when I found this program. I initially was so sure I was being scammed because how is it possible to pay less than I actually owe?! But after being in this program for about 4 months, one of my smaller credit cards is paid off and I am seeing that reflected both on my credit report and my account with that credit card. So it’s actually getting paid off. I say this is for someone serious about getting out of their credit card cycle, because you have to stop using those credit cards entirely- which I didn’t think was possible for me but now that I’m not paying hundreds of dollars in minimums I’ve been able to use that money on my debit card. This program will also *tank* your credit score initially, the rep I spoke to assured me that it would go back up as the debt was cleared. Since paying off the first card, my score has been slowly rising and it feels motivating to pay the others off quicker. Getting out of credit debt felt completely impossible before I found this program, but now I feel really confident that I am making progress and this will soon be behind me and I get to have a fresh start.

   Ash7898 · 31 Jul 2026

2. 5/5Thankful

   I know I’m pretty new here but the weight lifted off of my shoulders working with five lakes is irreplaceable. I can finally see the light at the end of the tunnel. From the beginning every person I talked to was professional but caring at the same time. This was not an easy decision and I was so nervous. They put me at ease right away. Please don’t expect your debts to be resolved overnight, like me, I’m sure it took a while to get them. They were upfront about how long it would take and that I would take a hit to my credit score. I was already bringing my credit score down on my own but without making any progress. I am now making progress and am so happy I made this decision. Thank you again, Five Lakes Law Group, I’m so glad I found you!

   jenmoo5 · 31 Jul 2026

3. 1/5BE CAREFUL!!!! Need attorney just to read agreement

   To start, I DO NOT RECOMMEND THIS COMPANY. Why? I was in financial hardship of my own stupidity and decided to give them a try for Credit Card debt relief. They were open and honest about the whole process during onboarding except for 1 detail. THEIR FEES!!! When they get a resolution offer for you, and you agree, they take a 27% cut. Was this described during onboarding. NOPE. This isn't 27% off the resolution offer either. They take it from the original full balance when you signed up!!! Also, not discussed. I know you have to make money and I’m okay with that but 27%? When you’re talking debt that is as much as a car. That is a lot of money. Talk about “makin it rain”. They make the deal sound good by saying you pay a low APR and us peasants have no clue how that works except 6% seems like a good deal. Was it in the paperwork during onboarding? Yes. Do you need a magnifying glass and an attorney to read it? YES!!! It was my own stupidity to trust a business like this without fully going over the agreement. The old ways still take effect today people. If it sounds too good to be true, IT IS!!! Side note. I received an offer letter for half what I owed directly from the creditor. I could have agreed to that and their payment plan for a lot less and without my credit bombing too much. To end, you don’t need to make the same mistake I did. You see, the tactic is the waiting game. They will take something rather than nothing and if you wait long enough, they will start contacting you with a lower amount and less of a hit on your credit. Jimmy

   Jkyle1985 · 31 Jul 2026

4. 5/5Debt Relief

   Five Lakes has made it very easy and mostly painless to get myself out of debt. They have resolved 3 of the 4 accounts I needed help with. Two of them only have two more payments. One account is halfway paid off, and am just waiting on the resolution they reach with my fourth account. I know they get a percentage for doing the work, but in the end it is still far less then I would have needed to pay without their help. I would highly recommend anyone that is struggling with debt, to use this law firm to keep you from drowning or worse having to file for bankruptcy. I give them two thumbs up 👍🏻👍🏻

   Danceone8049 · 31 Jul 2026

5. 5/5Just finished my program, amazing!!

   I was skeptical from the beginning, everything they said is how it played out to the T, there were no hidden fees. It was all included in the settlement offers, no games no hassle and I even got money back after my last payment. For 3 years couldn’t put a dent in that debt, 12 months later I have paid 10k when I owed 22k in credit cards. Just got my completion letter, my credit score dipped 3 or so months in and has already come back higher than it was before I started the program. It started going back up as you settle accounts, so ask for larger payoff amounts so 5 lakes aren’t paying 50/month for 5 years.

   Jamtimer · 31 Jul 2026

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