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Our goal is to put you back in control of your finances by significantly REDUCING your ACTUAL DEBT, not by consolidating what you owe. Our proven track record in the past eight years has been 50% to 90% reductions. Don't consolidate your debt, negotiate your debt. Our goal is to put you back in control of your finances by significantly REDUCING your ACTUAL DEBT, not by consolidating what you owe. We work directly with your creditors to negotiate reductions in your total unsecured debt balance. No matter what stage you are in (overdue accounts, lawsuits pending, judgments entered, liens files), we can help. 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. Our specially trained negotiators are experts at obtaining favorable results which often lead to continued relationships between the debtor and the creditor. 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. let us intervene and negotiate reduction of your business debt. 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. 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