An IT professional who quietly carried everyone else’s burdens found a way to finally carry his own — and came out the other side debt-free and saving. Enrolled Debt: $11,000
Graduated: October 2025
Program Length: 2 years, 10 month
Meet Noah F.
Noah describes himself as a simple man. He’s a homeowner, devoted son, and IT professional. Noah’s mother lives in his home, and he’s been helping to take care of her after she survived a stroke.
For fun, Noah enjoys a mix of things that keep him grounded: church on Sundays, chess, video games, bowling with work friends, and virtual watch parties for professional wrestling. He’s a self-described introvert who finds comfort in his routines — and has recently started doing a little more for himself.
What was going on before you decided to work with Five Lakes?
It wasn’t just getting out of debt — it was a financial education.
I used to think credit cards were convenient — but they became very inconvenient when you couldn’t dig yourself out. A lot of things hit at once: a bug infestation that destroyed furniture, moving expenses, my mom’s medical situation, covering utilities for two people.
I relied on card, to card, to card. Then I’d use my bank account to pay them back, but I was basically just spinning my wheels. Making the minimum payments felt like I was just trying not to get into trouble — not actually making progress.
What did it feel like to carry that debt?
It felt like a ball and chain dragging me down. I didn’t fully realize how much it had all added up to until I saw the total. Watching minimum payments not even touch the balance, it started to feel like a never-ending cycle. Even during tax season when I wanted to do something better with the money, there was never any real reprieve. I was wondering if there was ever a way out of this.
What made you decide to trust Five Lakes Law Group?
I’m in IT and cybersecurity — I’m very particular about who I give my information to. So when I came across Five Lakes, I did my research. I read the reviews, I looked at what the program actually involved. When I got on the phone with your team, they cared about my situation. They told me I could stop at any time, that I had full access, that they’d be with me through the legal side of things too. I didn’t feel alone. I had somebody fighting for me. I felt like my situation truly mattered, and there was a viable solution — as long as I did my part and trusted them.
How did the program change your day-to-day life?
Before, I was juggling multiple accounts, trying to scrape together minimum payments, constantly watching for reminders and late notices. Once I enrolled with Five Lakes, everything was handled from one source. It let me focus on cash expenses — utilities, home needs, supporting my mom. It was like everything debt-related was taken off my plate, and I could direct my energy toward what I could actually control.
The payment dropped from around $350 a month across multiple creditors to just under $200. At first I didn’t notice the difference, but over time it added up. I could get a haircut. I could buy a video game. I could support my family without as much stress. The little things really did matter.
How did you feel when accounts started getting resolved?
When the first Resolution Offer came through — and it was actually the biggest account — I couldn’t believe it. I watched my Dedicated Account grow, and when it finally crossed that threshold to cover the balance, I thought: if I can do that, I can do anything. It showed me I could be consistent. I could restrain myself when it came to spending. I didn’t have to have everything right now.
What did graduation feel like?
Two and a half years, and $11,000 in debt — gone. It was a huge uplift. A humble accomplishment. The definition of “you pay for your mistakes” was never more true, but it also showed me that mistakes don’t have to define your future. Even during the program, my furnace failed. But because of what I’d been building in my savings and help from my workplace hardship fund, I handled it without taking out another loan. That was huge.
It wasn’t just getting out of debt — it was a financial education. I’m not going to take that for granted ever again.
What are you looking forward to now?
Right now I’m working toward a $1,000 emergency cushion in savings. I’ve got an accountability partner at my church — we talk finances, budgeting, and goals. He introduced me to the idea of building that cushion and keeping it there until it’s truly needed. I’m also looking at finally taking a trip.
I went to Nashville back in 2021 and would love to get back out there. People keep telling me to check out Chicago — wrestling, food, the whole thing.
More than anything, I’m finally starting to say “I.” Doing something for myself — a bowling night, a new game, a wardrobe upgrade — doesn’t feel selfish anymore. It feels like balance.
If someone is feeling how you felt before joining Five Lakes, what would you want them to know?
You don’t have to live in debt your whole life. Sometimes you just need to ask for directions. There’s nothing wrong with that. The credit card system is designed to keep you in it — it’s not a personal failure. Reach out, do your research, and trust the process. With the right mindset, the right discipline, and the right resource behind you, long-term planning really does work.
Success Post-Grad
With attorney support through Five Lakes, Noah went from feeling like debt was “a ball and chain” on every account to a single, manageable plan that freed up cash, reduced stress, and helped him handle a furnace emergency without going back into debt. He graduated, built a savings cushion, found a financial accountability partner at his church, and is now planning his first trip in years — on his own terms.
“Five Lakes offered me freedom. Now it’s up to me how I use it.”
Real client compensated for sharing their authentic experience — results and savings reflect their individual circumstances.