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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 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. We can restore your peace of mind by stopping harassing creditors' calls. Call now for a free telephone consultation. Many times debtors and creditors cannot get past their emotions to even think about settling a matter. Our fee is a small percentage of the amount we save you. Just having objective third party intervention can set the tone for amiable resolution. 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. Our proven track record in the past eight years has been 50% to 90% reductions. 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. Don't consolidate your debt, negotiate your debt. 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