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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. 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. Just having objective third party intervention can set the tone for amiable resolution. Many times debtors and creditors cannot get past their emotions to even think about settling a matter. We can restore your peace of mind by stopping harassing creditors' calls. Call now for a free telephone consultation. Our fee is a small percentage of the amount we save you. Don't consolidate your debt, negotiate your debt. We work directly with your creditors to negotiate reductions in your total unsecured debt balance. Settle debts for pennies on the dollar. We offer you a viable alternative to bankruptcy and expensive consolidation loans. 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. 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