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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. No matter what stage you are in (overdue accounts, lawsuits pending, judgments entered, liens files), we can help. Just having objective third party intervention can set the tone for amiable resolution. We offer you a viable alternative to bankruptcy and expensive consolidation loans. Our goal is to put you back in control of your finances by significantly REDUCING your ACTUAL DEBT, not by consolidating what you owe. 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. We guarantee results or you pay us nothing. let us intervene and negotiate reduction of your business debt. Our specially trained negotiators are experts at obtaining favorable results which often lead to continued relationships between the debtor and the creditor. We work directly with your creditors to negotiate reductions in your total unsecured debt balance. If creditors have your number, you should have ours. 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