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We can restore your peace of mind by stopping harassing creditors' calls. Call now for a free telephone consultation. We offer you a viable alternative to bankruptcy and expensive consolidation loans. Our specially trained negotiators are experts at obtaining favorable results which often lead to continued relationships between the debtor and the creditor. 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. Settle debts for pennies on the dollar. Don't consolidate your debt, negotiate your debt. Our fee is a small percentage of the amount we save you. 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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