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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. No matter what stage you are in (overdue accounts, lawsuits pending, judgments entered, liens files), we can help. Don't consolidate your debt, negotiate your debt. Our fee is a small percentage of the amount we save you. Just having objective third party intervention can set the tone for amiable resolution. We work directly with your creditors to negotiate reductions in your total unsecured debt balance. We offer you a viable alternative to bankruptcy and expensive consolidation loans. Many times debtors and creditors cannot get past their emotions to even think about settling a matter. We guarantee results or you pay us nothing. 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. Our specially trained negotiators are experts at obtaining favorable results which often lead to continued relationships between the debtor and the creditor. 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