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Don't consolidate your debt, negotiate your debt. We work directly with your creditors to negotiate reductions in your total unsecured debt balance. Our specially trained negotiators are experts at obtaining favorable results which often lead to continued relationships between the debtor and the creditor. Many times debtors and creditors cannot get past their emotions to even think about settling a matter. Don't consolidate your debt, negotiate your debt. 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. Our proven track record in the past eight years has been 50% to 90% reductions. 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. We guarantee results or you pay us nothing. 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 offer you a viable alternative to bankruptcy and expensive consolidation loans.

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