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Many times debtors and creditors cannot get past their emotions to even think about settling a matter. 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. No matter what stage you are in (overdue accounts, lawsuits pending, judgments entered, liens files), we can help. We offer you a viable alternative to bankruptcy and expensive consolidation loans. 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 goal is to put you back in control of your finances by significantly REDUCING your ACTUAL DEBT, not by consolidating what you owe. 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. Our proven track record in the past eight years has been 50% to 90% reductions. We guarantee results or you pay us nothing. 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