Francois and Associates is a Massachusetts based debt relief company whose primary mission is to provide best-in-class debt settlement and debt consolidation 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. Our mission is to provide ethical, professional, and highly effective debt relief for Massachusetts residents. We strive to offer the highest standards through communication, experience and education.