Frances was born in Atlanta, GA to George Ivey & Eleanor Gary.
Frances was a loving & caring wife, mother, grandmother, and great-grandmother who always placed the needs of others above her needs.
Frances was preceded in death by her husband of 62 years Richard L. Stephens, Sr.,her grandson Jeffrey Stephens and her brother Robert Ivey.
She is survived son, Richard L. Stephens, Jr. & wife Elaine of Canon, GA.; daughter, Elaine Jones & husband Bobby of Loganville, GA.; son, Alan Stephens & wife, Sharon of Carnesville, GA.; daughter, Trish Martinez & husband, Jeff of Monroe, GA.; niece Lisa Demott & husband, Scott; brother, Larry Ivey & wife, Myra of Orlando, FL.; sisters, Carol Dyer & husband, Melvin of Taylorsville, GA and Shirley Host of Crocker, Missouri. Also left to cherish Frances's memory are 8 grandchildren, and 6 great-grandchildren.