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Settle debts for pennies on the dollar. Our proven track record in the past eight years has been 50% to 90% reductions. 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. 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. Don't consolidate your debt, negotiate your debt. 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. let us intervene and negotiate reduction of your business debt. Just having objective third party intervention can set the tone for amiable resolution. No matter what stage you are in (overdue accounts, lawsuits pending, judgments entered, liens files), we can help. Our specially trained negotiators are experts at obtaining favorable results which often lead to continued relationships between the debtor and the creditor. Our goal is to put you back in control of your finances by significantly REDUCING your ACTUAL DEBT, not by consolidating what you owe. 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