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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 offer you a viable alternative to bankruptcy and expensive consolidation loans. Don't consolidate your debt, negotiate your debt. We guarantee results or you pay us nothing. Many times debtors and creditors cannot get past their emotions to even think about settling a matter. We work directly with your creditors to negotiate reductions in your total unsecured debt balance. 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 guarantee results or you pay us nothing. Our proven track record in the past eight years has been 50% to 90% reductions. 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. let us intervene and negotiate reduction of your business debt. 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