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.




