Francois and Associates: We Provide Debt Solutions

Francois and Associates is a Massachusetts based debt relief company whose primary mission is to provide best-in-class debt settlement products and services. We help local consumers take back control of their debt. Because we are a “Pay for Performance” based company, we only get paid after we save you money. There are no membership or monthly fees.

During the course of a client’s debt settlement program, our certified settlement consultants will negotiate with our client’s creditor(s) to reach an equitable agreement on a settlement amount. In some instances, this negotiated settlement is a fraction of what was owed.*

What Are The Benefits:
  • An opportunity to absolve all or most of your credit card or unsecured debt*
  • No upfront retainer. No monthly or hidden fees.
  • A Pay for Performance approach.
  • An alternative to filing bankruptcy.
  • The opportunity to take control of your financial future.
  • A chance to save for retirement, health care, or college tuition.
  • Local and experienced debt relief specialists.
  • A fresh start for your credit score without the burdensome credit card debt
Unsecured Debt Includes:
  • – Credit Card Debt
  • – Medical / Hospital Bills
  • – Department Store Credit Cards
  • – Oil / Gas Credit Cards
  • – Personal Loans (unsecured)
  • – Past Due Rent
  • – Autos (Repossessions)
  • – Local Merchants
  • – Past Due Utility Bills
Note: Unsecured debt must total $10,000.