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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. Our fee is a small percentage of the amount we save you. 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. No matter what stage you are in (overdue accounts, lawsuits pending, judgments entered, liens files), we can help. 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. We guarantee results or you pay us nothing. We offer you a viable alternative to bankruptcy and expensive consolidation loans. Our goal is to put you back in control of your finances by significantly REDUCING your ACTUAL DEBT, not by consolidating what you owe. Don't consolidate your debt, negotiate your debt. let us intervene and negotiate reduction of your business 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. We guarantee results or you pay us nothing.

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