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Melucci, Thomas and Brown is a professional debt negotiating firm whose expertise lies in reducing problem debt for consumers and businesses for pennies on the dollar. We guarantee results or you pay us nothing. Don't consolidate your debt, negotiate your debt. Our proven track record in the past eight years has been 50% to 90% reductions. No matter what stage you are in (overdue accounts, lawsuits pending, judgments entered, liens files), we can help. Don't consolidate your debt, negotiate your debt. The more energy you expend worrying, the less work you get done, the less money you make, and the less you can afford to pay your creditors. We work directly with your creditors to negotiate reductions in your total unsecured debt balance. If you have suffered the anguish of having your automobile repossessed, you may think it couldn't get worse. But sometimes it does because a deficiency judgment could be filed against you. Just having objective third party intervention can set the tone for amiable resolution. Many times debtors and creditors cannot get past their emotions to even think about settling a matter. Melucci, Thomas and Brown is a professional debt negotiating firm whose expertise lies in reducing problem debt for consumers and businesses for pennies on the dollar. 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