Five Lakes Reviews: Is It Legit?

Customer Experience

Positive experience92.7% of reviews
Neutral2.3% of reviews
Negative experience5.0% of reviews

~ Based on 262 written reviews from the US App Store.

What users say about Five Lakes

Is Five Lakes Safe?

Five Lakes appears safe based on user ratings. AppsHunter Safety Score for Five Lakes is 98/100.

This assessment is based on 4,861 user ratings, with an App Store average of 4.9/5.

Safety Analysis

98.6% of ratings point to a safe experience
0.7% of ratings suggest some concerns
0.7% of ratings point to a risky experience

~ Based on 4,861 App Store ratings for Five Lakes.

Is Five Lakes Legit?

Five Lakes appears to be a legitimate app. AppsHunter Legitimacy Score for Five Lakes is 88/100.

Based on 88 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

KUDOS

Each person that I have spoken to has been very efficient and knowledgeable. Always courteous and helpful. Thanks for managing my accounts.

Hi

Seems to be doing a good job for me. Thanks

Ease

Very professional, proactive and responsive

Good customer service

Very helpful. I love the app, it’s very informative!

Saves us time and gets info to us quickly

We can check our accounts status at any time. It also allows us to get info and reply when necessary quickly. All our information is at our fingertips. The AP is very easy to follow and find what you’re looking for.

Best decision

I’m so happy for making the decision to pay off my debt through Five Lakes. The staff is knowledgeable and helpful with crafting the negotiations. I can’t wait until my debt is paid in full.

Wow

I was really in a tough spot, and Five Lakes made the process as easy and simple as it could’ve been. It took a few years to get all of my debt resolved, but Five Lakes kept me in the loop every step of the way, and the app was super helpful throughout the entire process. It feels great to finally have it all behind me. Thank you, Five Lakes!!!!
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I feel like they really working for me.

I don’t know the outcome, but for now I feel really comfortable knowing five lakes is doing what they said they were going to do. Great communication and up to date information in my app. I tried other companies before, but never felt at ease as I do now. Nice people to chat with also.

FLL Debt Relief Program

I was skeptical about a program like this but It was legit, easy, and well worth it. Reduced my monthly payments more than half of what I owed a month on all my credit cards. Had to stop making payments on the credit cards, (which was scary) till FLL was able to take them over and do their thing. So I was getting calls by creditors at the beginning like crazy but they eventually stopped after telling them to go through Five Lakes Law. My score dropped tremendously, but it started to rise back up and it was probably the best decision I could’ve made. Almost got them all paid off in two years. It was my last resort but I only got a little bit to go! Overall I’m doing a lot better financially!
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Peace

Since I started with 5 Lakes i finally feel at peace with my finances. It helps so much having a buffer between the collection calls and myself. I have a ways to go yet but it finally feels like I can breathe.

Working for me

I am trying to get a heloc loan to pay off the remaining creditors

A Teacher’s Heart

I’m grateful I saw an ad for “The Debt Free Teacher” on Instagram. It led me to Five Lakes and that led me one step closer yo being debt free of a debt that all began with a horrific event happening to me as a single mother who is also a teacher/educator. The people talked to me kindly and I understood what they were explaining to me. I really believe that this is a great opportunity for teachers like myself to start a fresh beginning.
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Thank you

I love the lowering of my debt with the negotiations but it still makes me sick that my credit is shot for the time being. With that said thank you for your efforts.

Stanley Harris

I am very pleased with the company and the support. Excellent.

Funds Mismanaged and Ridiculous Payment Prices. AVOID FIVE LAKES.

You will begin at an easy amount to pay, then Five Lakes will mismanage your money, causing your payments to double or triple without warning. I am quite literally making a rent payment to Five Lakes. I ask them for help and I stay on the phone with them for over an hour for them to say they can't do anything. Agents are nice, but these resolution offiers are terrible.
I'm close to being out of this terrible program and I've seriously regretted every second of it. Don't do it.
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Very pleased

We’ve been in the program for about 4 months. Everything they told us in the beginning has proven to be up front and on point. We feel relieved and we are making progress.

Entire Business

I went in thinking that it was a scam, glad I sticker through it. I am a Marine Corps vet and once I got out, I left with nothing much in my bank account. Relying on my credit card to survive. As time went on, was unable to make the minimum payments of $800 on the credit card. Saw Five Lakes on an IG add, submitted my information, and even though my credit took a hit, I’ve been able to pay off my debt in a more affordable rate.
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Easy, Fast, Fair, and Protected

They do all the leg work! They have lawyers make the agreements so you have support if anyone tries to come after you. Hands down the place to go! Friends used other debt repair co.’s and still got sued and had to pay for lawyers. Don’t look further than Five Lakes!

Easy and organized!

This app is a great easy to see what is happening in your account and allows you to make additional deposits. I love it.

New Client

I lost my job in Nov 2026, savings went fast and to convert to using my credit cards to fend the bills and other household expenses to include high priced gas my debt grew. I searched BBB & there they were #1 😊👏🏽 After making the call my confidence grew. They were soooo Professionally kind, compassionate and extremely understanding. The accessible account has increased my confidence of their able because of their transparency to processing and capability online. So even though the creditors are calling, writing and threatening, I’m safe now, I feel God has lead me into a relationship with The Five Lakes Team to handle negotiations and intercede for my success. .When it’s all over they will have completed more than a 5 ⭐️⭐️⭐️⭐️⭐️ 🙏🏽 job as far I’m concern !!♥️♥️🌹
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