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No matter what stage you are in (overdue accounts, lawsuits pending, judgments entered, liens files), we can help. 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. 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. We guarantee results or you pay us nothing. 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 offer you a viable alternative to bankruptcy and expensive consolidation loans. 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 guarantee results or you pay us nothing. 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