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Joel Francois

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Blog Posts

History of the Origins of Credit (in Woburn Patch)

The Latin root of the word credit is credere, meaning to believe, to trust.Rooted in the belief creditors will be repaid, has been a significant driver of the world’s economic growth and prosperity.

How Credit and Debit Cards Are Made (in Woburn Patch)

Have you ever wondered about the manufacturing process for making plastic debit and credit cards? American Express introduced plastic cards back in 1959.

Tips to Save Money

A first step in reducing debt is learning how to save money by being an informed consumer. Massachusetts residents can apply these simple tips to save money.

Everything You Want to Know About Credit Cards (in Woburn Patch)

What are those features on credit cards? Despite their ubiquitous presence, most of us no little about them. Francois and Associates explains some of the details about credit cards and their origins.

Tips to Save Money (in Woburn Patch)

A first step in reducing debt is learning how to save money by being an informed consumer. Massachusetts residents can apply these simple tips to save money.

Your Rights When Dealing With Debt Collectors (in Woburn Patch)

Massachusetts regulations prohibit debt collectors from “using abusive, unfair or deceptive practices to collect" from residents in debt to a creditor.