Five Lakes Agency, Inc.

Five Lakes Agency, Inc. is a third-party debt collection agency located in Troy, Michigan. Established in 2011, the agency employs between 11-50 employees.

Do You Want Your Collections Removed Today?

Call them at (716) 557-7812 for a free credit consultation. We have helped many people in your situation, with paralegals standing by waiting to take your call.

You can also email us at info@cpgcomplete.com.

Can Five Lakes Agency, Inc. Collections Be Removed from My Credit Report?

Depending on the situation, it may be possible to have your collections removed, settled, or improved. It’s best to have your account reviewed with Five Lakes Agency, Inc. to determine the best course of action. Contact us today to see how we can help.

Should I Contact or Pay Five Lakes Agency, Inc.?

Speaking to a collection agency can be harmful. Making payments on the collection account may reset the clock and worsen the situation. However, there are times when it’s best to pay the collection account, especially if it’s new and you’re sure it’s legitimate.

The best way to deal with a debt collector is to work with a professional credit repair service. They have deleted millions of negative items from companies like Five Lakes Agency, Inc. for clients nationwide, and they can help you too.

Common Mistakes That May Further Deteriorate Your Credit

Direct communication with the collection agency can leave you vulnerable to unnecessary payments, which may revert your efforts. Contact will be made on your behalf through a verified professional credit repair service. The Consumer Protection Group offers a full range of credit repair services to benefit consumers mistreated by the credit and collection industry. Contact us today for help.

Will Five Lakes Agency, Inc. Sue Me or Garnish My Wages?

The probability is minimal, but you need the Consumer Protection Group to remove this uncertain burden from your workload to reduce this risk. They will filter your impending dispute and possibly indemnify your credit report, preventing future conflicts and encumbrances.

To improve your credit score, contact us to allow them to intervene and avert lawsuits against you. Additionally, they will clean up your credit report for safer and uninterrupted money management.

What is Wage Garnishment?

Wage garnishment is a court-ordered method of collecting money from an employer by taking some or all of an employee’s paycheck. This strategy has controversial consequences depending on state law, and it can be illegal in certain jurisdictions.

Furthermore, it is illegal for any claims of foreclosure or auctioning your property by Five Lakes Agency, Inc. These threats are unauthorized due to the nature of your involuntary debt payments.

Five Lakes Agency, Inc. Complaints

If a collector harasses you, consider filing a complaint. You will have support from the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB), as they condemn harassment during collection. Inaccurate data provides grounds for these Bureaus to fill complaints against the collection agency. Filing complaints protects you from collectors using intimidation tactics.

How Collections Affect Your Credit

There are several ways to harm your credit score, whether intentionally or unintentionally. Failure to make regular payments could result in collections, while overspending your credit limit leads to higher interest rates. Late payments can reduce your credit history and lead to collection practices.

Collection agencies correlate with each other through advancing credits as insurance. If your account raises a red flag during transactions, it may stain your credit score. Without a dispute or defense against these accounts, your ability to renew credit will be severely impacted.

Your Rights When Dealing with Five Lakes Agency, Inc.

The United States government has set strict regulations that limit the activities of collectors. The Fair Credit Reporting Act (FCRA) shields you from abuse and provides a neutral ground for settlement. The FCRA grants you several consumer rights, including:

• Your personal data is insured and protected, including credit card stats and billing reports.
• Five Lakes Agency, Inc. cannot publicly name you as a debtor and cannot communicate with you to harass your credit report.
• Five Lakes Agency, Inc. must prove its legality to collect a debt, orally and in writing.
• Your credit report should be free from inappropriate data insinuated by Five Lakes Agency, Inc.
• FCRA provides 30 days for collectors to prove their claims on your credit report.
• You are free from false arrest in the hands of Five Lakes Agency, Inc.

More Tips on Dealing with Five Lakes Agency, Inc.

Avoid direct communication. Collectors will try to trap you over the phone. It’s best to restrict communication to prevent them from profiling you in their records.

If Five Lakes Agency, Inc. is persistent, inform them that you demand all conversations in writing. You can ignore calls once you have communicated this legally.

Acquire hard evidence of communication. If necessary, record calls for self-defense. However, ensure you comply with state laws regarding consent for recording.

Do not act guilty. Avoid hiding any assets or money from a legitimate collector. Do not provide personal details such as financial status.

Do not believe their stories on the phone or provide false information. Stick to accurate facts when answering their questions.

Do not allow them to bully you into decisions or accept freebies, which may be attempts to silence you.

What is Five Lakes Agency, Inc.?

Five Lakes Agency, Inc. specializes in debt collection, with many complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA). If a debt collector contacts you, understand your rights before reaching out to them.

Is Five Lakes Agency, Inc. a Scam?

Five Lakes Agency, Inc. is a legitimate company that collects debt. However, many complainants feel that they have violated the FDCPA while helping their clients.

Who Does Five Lakes Agency, Inc. Collect For?

They may collect for various clients, including credit card companies and student loans. If they have contacted you, it’s likely regarding an alleged student loan debt.

How Many Complaints Against Five Lakes Agency, Inc.?

There are many online complaints against Five Lakes Agency, Inc., with their Better Business Bureau page reflecting a poor review score due to allegations of FDCPA violations.

Can Five Lakes Agency, Inc. Sue Me or Garnish My Wages?

It is illegal for Five Lakes Agency, Inc. to make empty threats to sue or garnish wages. If you have concerns, contact us to protect your assets.

Can You Help Me File a No Fee Lawsuit Against Five Lakes Agency, Inc.?

You can sue a debt collector, but we recommend resolving matters before taking legal action for a better outcome.

Five Lakes Agency, Inc. Calling You?

Understand the provisions under FCRA to know your consumer rights and the limits collectors have against you.

Can I Sue Five Lakes Agency, Inc. for Harassment?

You can sue Five Lakes Agency, Inc. for breaches of your consumer rights under FCRA, which may result in compensation fees for fraudulent actions.

Want to Stop Five Lakes Agency, Inc. Debt Collection Harassment Now?

Grounds for lawsuits include:

• Collectors calling you at inappropriate times.
• Collectors contacting your friends or family about your debt.
• Collectors demanding more than you owe.
• Collectors using vulgar language or violence during collection.
• Collectors falsely accusing you of a crime.
• Collectors contacting your employer about your credit report.
• Collectors using threats or prank calls.