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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. 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. 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. If creditors have your number, you should have ours. (888) 475-2610 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. 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. 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. We work directly with your creditors to negotiate reductions in your total unsecured debt balance.

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