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We guarantee results or you pay us nothing. 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. Our goal is to put you back in control of your finances by significantly REDUCING your ACTUAL DEBT, not by consolidating what you owe. We work directly with your creditors to negotiate reductions in your total unsecured debt balance. We offer you a viable alternative to bankruptcy and expensive consolidation loans. Don't consolidate your debt, negotiate your debt. 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. No matter what stage you are in (overdue accounts, lawsuits pending, judgments entered, liens files), we can help. Settle debts for pennies on the dollar. 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. Just having objective third party intervention can set the tone for amiable resolution. Don't consolidate your debt, negotiate your debt. 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