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Our specially trained negotiators are experts at obtaining favorable results which often lead to continued relationships between the debtor and the creditor. No matter what stage you are in (overdue accounts, lawsuits pending, judgments entered, liens files), we can help. We guarantee results or you pay us nothing. We offer you a viable alternative to bankruptcy and expensive consolidation loans. 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. 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. Don't consolidate your debt, negotiate your 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. Many times debtors and creditors cannot get past their emotions to even think about settling a matter. 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. 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