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Our Service About Contact Us Call Client Support
855-441-6129
DEBT SUPPORT FROM
ATTORNEYS YOU CAN TRUST
Five Lakes Law Group Levels the Playing Field for Consumers
Thousands
of Clients Helped
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A TRUSTED ALLY FOR CONSUMER DEBT RELIEF
Five Lakes Law Group is a debt relief law firm focused on providing
cost-effective legal representation to consumers experiencing financial
hardship.
We will work to help you achieve the best possible outcome and savings for your
unique situation. Throughout your debt relief journey, you’ll receive ongoing
professional support from our licensed attorneys.
Join Others Who Found Financial Freedom
Manage Your Debt With Our Easy To Use Mobile App
* View Upcoming Deposits
* Manage Enrolled Debts
* Approve Agreements
* Access Detailed FAQs
WHY CHOOSE OUR PROGRAM
We can help you resolve debt more quickly and with greater benefits than
alternatives like bankruptcy, a consolidation loan, or continuing to make
minimum payments to creditors.
Attorney support strengthens negotiation power with creditors and keeps your
program on track.
Our Program Minimum Payments Consolidation Loan
Reduce Your Monthly Payments by up to 50% *
Reduce the Overall Amount You Owe
1-On-1 Attorney Support Without Resorting to Bankruptcy
No Interest Rate or Hidden Fees
FREQUENTLY ASKED QUESTIONS
How does your program work?
Our program helps clients secure better terms from their creditors.
We can help you:
1. Reduce the overall amount you owe
2. Resolve debt more quickly than you would by yourself
3. Avoid the downfalls of bankruptcy and costly minimum payments
Creditors know that those experiencing financial hardship may never be able to
pay their debt or decide to declare bankruptcy. Our attorneys give creditors and
consumers an alternative to bankruptcy that is in everyone’s best interest.
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Why should I work with an attorney during debt resolution?
Having a law firm in your corner during your financial hardship provides you
with legal representation, attorney oversight and a stronger stance that most
debt resolution programs cannot offer on their own.
Our attorneys have the industry experience necessary to support you during your
debt settlement journey. Ongoing legal support ensures that your program goes
smoothly throughout every phase of the program.
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Can you help me if I am being sued for my debt?
We may be able to help slow down or assist in settling a lawsuit if you are sued
during your debt resolution program. We provide pro se legal document drafting
and attorney assistance at no additional cost to all of our clients.
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Can you help stop creditor harassment?
If you believe you are the victim of wrongful conduct by a debt collector, call
us right away. We can help you determine what actions can be taken to achieve
the best possible outcome.
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Will seeking legal help for my debt affect my credit score?
Diverting your creditor payments during debt resolution creates the leverage
necessary to resolve your debts, but it can also temporarily impact your FICO
score.
Making your creditors wait for payment encourages them to lock in new terms and
agreements that will give you the best outcome like lower monthly payments and
long-term savings.
Throughout the process, you are the one in control — not your creditors. The
faster you complete your program, the faster you can work to improve your
overall creditworthiness.
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7 AM - 9 PM CT, Monday to Friday
9 AM - 7 PM CT, Saturday and Sunday
24/7 Chat Availability
PO Box 8280
Philadelphia, PA 19104-8280
Call Us Today
855-441-6129
Send Us An Email
info@fivelakeslawgroup.com
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* Privacy Policy
* Terms & Conditions
* Individual program experiences will vary. Monthly program payments are based
on various factors, including, but not limited to a client’s program length and
amount of enrolled debt.
Hiring a lawyer is an important decision and should not be based solely on
advertisements. This website is designed for general information purposes only
and should not be construed as legal advice, nor does the information contained
in this site create an attorney/client relationship. Please do not send us any
confidential information until an attorney/client relationship has been
established.
©2023 by Five Lakes Law Group PLLC.
Contact Us
Chat Us 855-441-6129 Email Us
7 AM - 9 PM CT, Monday to Friday
9 AM - 7 PM CT, Saturday and Sunday
24/7 Chat Availability
PRIVACY POLICY
Last updated: January 2021
Five Lakes Law Group PLLC and its subsidiaries (hereinafter "Company") is
dedicated to protecting your privacy and providing you with the highest level of
service. This Policy explains what Company does to keep information about you
private and secure. This Policy covers only information that you provide to
Company or that it obtains about you from companies that you have chosen to do
business with. Please read this Policy carefully and contact us if you have any
questions.
PERSONAL INFORMATION WE COLLECT
The personal information we collect about you comes from the following sources:
* Information we receive from you, such as your name, address, and telephone
number, or other information that you provide to us over the phone, through
our website or in documents or applications,
* Information about your transactions, such as your account balances with your
creditors, payment histories, account activity, and all other information
that may be contained in your credit card statements or other reports
relating to your debt, and any information provided by your creditors, and
* Information we receive from consumer reporting agencies and other sources,
such as your credit bureau reports, collection agency reports or other
communications, and other information relating to your payment histories,
creditworthiness, annual income, or ability to satisfy your obligations.
WHEN WE DISCLOSE PERSONAL INFORMATION
We may disclose personal information to effect or carry out any transaction that
you have requested of us or as necessary to complete our contractual obligations
with you. We may also share your information when required by law, such as to
protect against fraud or in response to a subpoena. We may share or transfer our
information in the event we transfer or sell our business assets or a portion of
our assets to a third party. We may also share information with third parties
that may be able to assist you in furthering the goals of the relationship
between you and us, such as a loan provider that may assist with a debt
consolidation loan.
In carrying out our services, we may disclose personal information as permitted
by law, to your creditors, credit card companies, collection agencies, banks,
and other entities and individuals specifically necessary to effect, administer
and perform our services. In some states, we may be required to provide personal
information to a state regulator or auditor in order to comply with an audit or
licensing requirements.
In order to improve our processes and business, we may use your personal
information as part of routine data analysis and reporting. For data analysis
and reporting, the personal information used is not identifiable to you, and may
be shared with third-party contractors to audit our procedures and evaluate our
business. We may also share your information with third-party auditors and
verification agents that ensure your contract, program terms and/or services
comply with applicable law and quality controls.
YOUR CHOICES/OPT-OUT
We provide you the opportunity to ‘opt-out’ of having your personally
identifiable information used for certain purposes. By providing information to
us you are consenting to the collection, use and disclosure of such personal
information in the manner described in this privacy policy. We provide you the
opportunity to withdraw your consent when such information is collected.
Such consent may be withdrawn by calling the telephone number provided below or
may be done in writing/email and sent to our customer service department at the
following physical address or email address:
Five Lakes Law Group PLLC
26711 Northwestern Hwy., Ste. 350
Southfield, MI 48033
E-mail: info@fivelakeslawgroup.com
Phone: (855) 441-6129
If you wish to withdraw consent, we ask that you contact us so that we may
tailor a privacy plan that works for you. Please be aware that withdrawing your
consent may limit or hamper our ability to provide certain services to you. In
some cases, sharing information is essential to our services or required by law.
If you wish to opt out of what we deem to be essential or required by law, we
will notify you that we can no longer provide you with services and you may
cancel our services without penalty.
HOW WE PROTECT YOUR INFORMATION
We train our employees to protect all customer information. We maintain
physical, electronic and procedural controls that comply with government
standards. We authorize our employees, agents and contractors to get information
about you only when they need it to do their work with us. You can help to
maintain the security of your transactions by not sharing your personal
information or online password with anyone. Remember, no method of transmission
over the Internet, or method of electronic storage, is 100% secure.
This Policy applies to current and former customers. If you have any questions,
please contact Five Lakes Law Group PLLC at the address above.
NOTICE TO CALIFORNIA RESIDENTS
In accordance with California law, we will not share information we collect
about you with nonaffiliates, except as allowed by law. For example, we may
share information with your consent or to service your accounts. Among our
affiliates, we will limit information sharing to the extent required by
California law. You can also limit our sharing for joint marketing with other
financial institutions. California residents who provide us with their personal
information may request certain information regarding disclosures made to third
parties for direct marketing purposes, including the names and address of those
to whom such disclosures have been made. Such requests must be submitted to us
at the following mailing address: California Privacy Request, Five Lakes Law
Group PLLC, 26711 Northwestern Hwy., Ste. 350, Southfield, MI 48033.
This request may be made no more than once per calendar year.
NOTICE TO VERMONT RESIDENTS
In accordance with Vermont law, we will not share information we collect about
Vermont residents with companies who are not affiliates, except as permitted by
law, such as with your consent or to service your accounts. We will not share
information about your creditworthiness with our affiliates without your
authorization or consent but we may share information about your transactions or
experiences with our affiliates without your consent.
NOTICE TO NEVADA RESIDENTS
We are providing you this notice pursuant to state law. You may be placed on our
internal Do Not Call List by requesting that we cease calling you by contacting
us directly and making such request in writing at info@grtfinancial.com. Nevada
law requires that we also provide you with the following contact information:
Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E.
Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132;
e-mail: BCPINFO@ag.state.nv.us.
A SPECIAL NOTE ABOUT CHILDREN’S PRIVACY
We do not knowingly collect, use or share personal information about anyone
under 18 years of age. If you are under 18 years of age, you can use our
products and/or services only in conjunction with your parents or guardians.
TESTIMONIALS
If you submit a testimonial to us, we may post your name as given to us in your
testimonial. We may post a photo of you or use a stock photo. Please be aware
that any personally identifiable information you submit as a testimonial to be
posted can be read, collected, or used by the general public, and could be used
to send you unsolicited messages. We are not responsible for the personally
identifiable information you choose to include in any testimonial you choose to
submit. You may contact us to remove a posted testimonial at any time.
TERMS & CONDITIONS
Last updated November 12, 2015
This Online Privacy Notice (Notice) applies to this Five Lakes Law Group PLLC
online interface and any Five Lakes Law Group PLLC affiliate or subsidiary
online interface that links to this Notice, (each, a Site, and, collectively,
Sites). The term “Five Lakes Law Group” or “we” or “us” or “our” in this Notice
refers to our affiliates or subsidiaries of Five Lakes Law Group PLLC that link
to this Notice. This Notice describes how our Sites may collect, use and share
information from or about you, and explains how information may be collected and
used for advertising purposes.
Five Lakes Law Group may provide other online interfaces not covered by this
Notice. If you visit or access one of these sites, please review the online
privacy practices of that site to understand how your online information may be
collected, used and shared.
We will use and share any information that we collect from or about you in
accordance with these terms and conditions.
By using the Site, you agree to the terms and conditions of this Notice.
Collecting and Using Information
Personal Information We Collect Online
Personal Information means personally identifiable information such as
information you provide via forms, surveys, applications or other online fields
including name, postal or email addresses, telephone, fax or mobile numbers, or
account numbers.
How We Use Personal Information
We may use Personal Information:
* to respond to your inquiries and fulfill your requests;
* to inform you about important information regarding the Site, products or
services for which you apply or may be interested in applying for, or in
which you are already enrolled, changes to terms, conditions, and policies
and/or other administrative information;
* to deliver marketing communications that we believe may be of interest to
you, including, ads or offers tailored to you;
* to personalize your experience on the Site;
* to allow you to apply for products or services and evaluate your eligibility
for such products or services;
* to verify your identity and/or location (or the identity or location of your
representative or agent) in order to allow access to your account, conduct
online transactions and to maintain measures aimed at preventing fraud and
protecting the security of account and Personal Information;
* to allow you to participate in surveys and other forms of market research,
sweepstakes, contests and similar promotions and to administer these
activities. Some of these activities have additional rules, which may contain
additional information about how Personal Information is used and shared;
* to allow you to use some Site online tools. Information that you enter into
one of these tools may be stored for future access and use. You have the
option not to save the information;
* collected through our social media pages and other online interactions with
you to assist in verifying your identity and account status. We may combine
this online information with information collected from offline sources or
information we already have;
* for business purposes, including data analysis, audits, developing and
improving products and services, enhancing the Site, identifying usage trends
and determining the effectiveness of promotional campaigns;
* for risk control, for fraud detection and prevention, to comply with laws and
regulations, and to comply with other legal process and law enforcement
requirements;
* to allow you to utilize features within our Sites by granting us access to
information from your device such as contact lists, or geo-location when you
request certain services.
Other Information We Collect Online
Other Information is any information other than Personal Information that does
not reveal your specific identity or does not directly relate to an individual,
such as browser information, information collected through cookies, pixel tags
and other technologies, demographic information, other information provided by
you such as your date of birth or household income, and aggregated and
de-identified data.
How We Collect and Use Other Information
We and our third-party service providers may collect and use Other Information
in a variety of ways, including:
* Through your browser or device: Certain information is collected by most
browsers and/or through your device, such as your Media Access Control (MAC)
address, device type, screen resolution, operating system version and
internet browser type and version. We use this information to ensure Sites
function properly, for fraud detection and prevention, and security purposes.
* Using cookies: Cookies are pieces of information stored directly on the
device you are using. Cookies we use do not contain or capture unencrypted
Personal Information. Cookies allow us to collect information such as browser
type, time spent on the Site, pages visited, language preferences, and your
relationship with us. We use the information for security purposes, to
facilitate navigation, to display information more effectively, to
personalize/tailor your experience while engaging with us, and to recognize
your device to allow your use of our online products and services. We collect
statistical information about the usage of the Site in order to continually
improve the design and functionality, to monitor responses to our
advertisements and content, to understand how customers and visitors use the
Site and to assist us with resolving questions regarding the Site. We also
utilize cookies for advertising purposes. Please see the Advertising section
below for more information.
You can refuse to accept these cookies and most devices and browsers offer
their own privacy settings for cookies. You will need to manage your cookie
settings for each device and browser you use. However, if you do not accept
these cookies, you may experience some inconvenience in your use of the Site
and some online products and services. For example, we will not be able to
recognize your device and you will need to answer a challenge question each
time you log on. You also may not receive tailored advertising or other
offers from us that may be relevant to your interests and needs.
* Other technologies including pixel tags, web beacons, and clear GIFs: These
may be used in connection with some Site pages, downloadable mobile
applications and HTML-formatted email messages to measure the effectiveness
of our communications, the success of our marketing campaigns, to compile
statistics about usage and response rates, to personalize/tailor your
experience while engaging with us online and offline, for fraud detection and
prevention, for security purposes, for advertising, and to assist us in
resolving client questions regarding use of our Site. Please see our
Advertising section below for more information regarding our use of other
technologies.
* Flash objects: As part of our solutions for online authentication, we may use
Flash objects (sometimes referred to as “Local Shared Objects”) to help us
recognize you and your device when you come back to the Site. For our pages
running Adobe® Flash® content, we may use Flash objects to determine your
browser type and version of Adobe Flash in order for you to view the content.
We do not use Flash objects for any online behavioral advertising purpose.
Deleting cookies does not delete Flash objects. You can learn more about
Flash objects – including how to control and disable them – through the Adobe
interface. If you choose to disable Flash objects from our Site, then you may
not be able to access and use all or part of the Site or benefit from the
information and services offered.
* IP Address: Your IP Address is a number that is automatically assigned to the
device that you are using by your Internet Service Provider (ISP). An IP
Address is identified and logged automatically in our server log files
whenever a user visits the Site, along with the time of the visit and the
page(s) that were visited. Collecting IP Addresses is standard practice on
the internet and is done automatically by many web sites. We use IP Addresses
for purposes such as calculating Site usage levels, helping diagnose server
problems, to personalize/tailor your experience while engaging with us online
and offline, for compliance and security purposes, for advertising, and
administering the Site. Please see the Advertising section below for more
information.
* Aggregated and De-identified Data: Aggregated and De-identified Data is data
that we may create or compile from various sources, including but not limited
to accounts and transactions. This information, which does not identify
individual consumers, may be used for our business purposes, which may
include offering products or services, research, marketing or analyzing
market trends, and other purposes consistent with applicable laws.
Additional Information
Third party widgets – we may allow certain widgets (e.g., social share buttons)
on our Sites that enable users to easily share information on another platform,
such as a social media platform. The third parties that own these widgets may
have access to information about your browsing on pages of our Sites where these
widgets are placed. You may wish to review information at the third party site,
such as social media platforms where you have an account, to determine how these
third parties collect and treat such information. Also, see Linking to other
sites and Social media sites below.
Advertising
Five Lakes Law Group advertises online and. In order to understand how
advertising performs, we may collect certain information on our Sites and other
sites and mobile apps through our advertising service providers using cookies,
IP addresses, and other technologies. The collected information may include the
number of page visits, pages viewed on our Sites, search engine referrals,
browsing activities over time and across other sites following your visit to one
of our Sites or apps, and responses to advertisements and promotions on the
Sites and on sites and apps where we advertise.
Five Lakes Law Group uses information described in this Notice to help advertise
our products and services, including prescreened offers of credit, in a variety
of ways. We use such information to:
* Present tailored ads, to you including:
* Banner ads and splash ads that appear as you sign on or off of your online
account
* E-mail, postal mail, and telemarketing, and,
* On other sites and mobile apps not affiliated with Five Lakes Law Group;
* Analyze the effectiveness of our ads; and
* Determine whether you might be interested in new products or services
How we tailor ads
Relationship based advertising
In order to help make our advertising informative and useful, we may use
information about your relationship with us to help determine which
advertisements or offers to present to you.
Online Behavioral Advertising
We or our advertising service providers may use certain information about your
activities on our Sites, such as pages visited and search key words entered to
help determine which of our advertisements or offers may be of interest to you.
We limit access and collection of information for specific purposes by
advertising service providers. We may use this online information for online and
offline advertising.
Advertising on third party sites and mobile apps
Five Lakes Law Group contracts with advertising companies to advertise our
products and services on sites and mobile apps not affiliated with us. We may
use Aggregated and De-identified Data and information provided by you to these
third party sites and mobile apps to select which of our advertisements or
offers may appeal to you, display them to you and monitor your responses. Third
Party sites and mobile apps are not subject to Five Lakes Law Group Privacy
Notices. Please visit the individual sites and mobile apps for additional
information on their data and privacy practices and opt out policies.
Online Behavioral Advertising on third party sites and mobile apps
Some of our tailored ads are online behavioral advertising, and may be served
using data collected by third party providers. Ads served on our behalf by these
companies do not contain unencrypted Personal Information and we limit the use
of information by companies that serve our ads. To learn more about this
practice and your choices in connection with it, see the section Advertising
Choices below:
Advertising Choices
You may set your choices for advertising in the following ways:
Online Behavioral Advertising
If you prefer we not use information based on online Site behavior to provide
online and offline tailored content and advertising, you may opt out.
Opting out also means that the online content and advertising you receive on our
non-servicing sites (i.e. before sign-in) will be untailored and will not be
based on your online behavior or your relationship. Please note that if you opt
out of this advertising, you may still receive untailored advertising from Five
Lakes Law Group. If you prefer not to receive online behavioral advertising or
prefer we not deliver you marketing offers in email, postal mail or through
telemarketing you may contact by telephone at (800) 970-4876 or submitting your
request via email at info@fivelakeslawgroup.com.
Important Reminder
In order for online behavioral advertising opt outs from our Sites and on other
sites to work on your device, your browser must be set to accept cookies. If you
delete cookies, buy a new device, access our Site or other sites from a
different device, login under a different screen name, or change web browsers,
you will need to opt-out again. If your browser has scripting disabled, you do
not need to opt out, as online behavioral advertising technology does not work
when scripting is disabled. Please check your browser’s security settings to
validate whether scripting is active or disabled.
Linking to other sites
We may provide links to third party sites, such as credit bureaus, service
providers or merchants. If you follow links to sites not affiliated or
controlled by us, you should review their privacy and security policies and
other terms and conditions, as they may be different from those of our Sites. We
do not guarantee and are not responsible for the privacy or security of these
sites, including the accuracy, completeness, or reliability of their
information.
Social media sites
Five Lakes Law Group provides experiences on social media platforms including,
but not limited to, Facebook®, Twitter®, YouTube® and LinkedIn® that enable
online sharing and collaboration among users who have registered to use them.
Any content you post on official Five Lakes Law Group managed social media
pages, such as pictures, information, opinions, or any Personal Information that
you make available to other participants on these social platforms, is subject
to the Terms of Use and Privacy Policies of those respective platforms. Please
refer to them to better understand your rights and obligations with regard to
such content.
Security
To protect Personal Information from unauthorized access and use, we use
security measures that comply with applicable federal and state laws. These
measures may include device safeguards and secured files and buildings as well
as oversight of our third party service providers to ensure information remains
confidential and secure.
Protecting children’s privacy online
The Site is not directed to individuals under the age of thirteen (13), and we
request that these individuals do not provide Personal Information through the
Site. We do not knowingly collect information from children under 13 without
parental consent. Visit the Federal Trade Commission website for more
information about the Children’s Online Privacy Protection Act (COPPA).
Protecting individual health information
To the extent that we receive, maintain, or process an individual’s protected
health information, Five Lakes Law Group may disclose that information as
authorized by and in accordance with applicable federal and/or state law.
Updates to this Privacy Notice
This Online Privacy Notice is subject to change. Please review it periodically.
If we make changes to the Online Privacy Notice, we will revise the “Last
Updated” date at the top of this Notice. Any changes to this Notice will become
effective when we post the revised Notice on the Site. Your use of the Site
following these changes means that you accept the revised Notice.