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We offer you a viable alternative to bankruptcy and expensive consolidation loans. 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. Our specially trained negotiators are experts at obtaining favorable results which often lead to continued relationships between the debtor and the creditor. Our proven track record in the past eight years has been 50% to 90% reductions. We guarantee results or you pay us nothing. Settle debts 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. 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 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. Many times debtors and creditors cannot get past their emotions to even think about settling a matter.

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