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We offer you a viable alternative to bankruptcy and expensive consolidation loans. Just having objective third party intervention can set the tone for amiable resolution. Our goal is to put you back in control of your finances by significantly REDUCING your ACTUAL DEBT, not by consolidating what you owe. 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. 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. let us intervene and negotiate reduction of your business debt. We offer you a viable alternative to bankruptcy and expensive consolidation loans. We guarantee results or you pay us nothing. 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