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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. 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. 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. Our goal is to put you back in control of your finances by significantly REDUCING your ACTUAL DEBT, not by consolidating what you owe. Our specially trained negotiators are experts at obtaining favorable results which often lead to continued relationships between the debtor and the creditor. Don't consolidate your debt, negotiate your debt. We offer you a viable alternative to bankruptcy and expensive consolidation loans. let us intervene and negotiate reduction of your business debt. Many times debtors and creditors cannot get past their emotions to even think about settling a matter. No matter what stage you are in (overdue accounts, lawsuits pending, judgments entered, liens files), we can help. 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 take care of your debt so that you can concentrate on your work. Call today. 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