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.

So at first, I was scared to do this. I didn’t know if it was some scam or something but I went ahead and called them and the lady that I first talked to simply amazing. She made me feel very safe and secure and that this was a good idea to do. I have absolutely no regrets. I’m not doing this. It took me two years to pay out a little over $12,000 worth of debt. my only advice would be to contact your creditors and let them know that you’re doing this program that way hopefully they’ll not charge you a bunch of interest over the next couple months when you’re not making payments that was the only thing that they didn’t say nothing to me about, but that would be my only thing I would have to say to you guys contact your creditors. Let him know that you’re gonna put your cards into this program so that maybe they’ll stop your payments That way you’re not stuck with another couple hundred $ worth of interest charges on each card. I don’t know if your credits will stop the payments or not but it don’t hurt to try to ask if you don’t say nothing. It’s 100% no but if you say something it’s 50%/50% you can’t hurt to ask. Again, this company was amazing every time I need you to talk to him you were either a phone call away or chat message away simply amazing !!!

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!

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.