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Settle debts for pennies on the dollar. 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. 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 proven track record in the past eight years has been 50% to 90% reductions. 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. We can restore your peace of mind by stopping harassing creditors' calls. Call now for a free telephone consultation. Don't consolidate your debt, negotiate your debt. 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. let us intervene and negotiate reduction of your business debt. Our fee is a small percentage of the amount we save you. We offer you a viable alternative to bankruptcy and expensive consolidation loans. 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