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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. 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. We offer you a viable alternative to bankruptcy and expensive consolidation loans. Don't consolidate your debt, negotiate your debt. Just having objective third party intervention can set the tone for amiable resolution. Settle debts for pennies on the dollar. We guarantee results or you pay us nothing. 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 fee is a small percentage of the amount we save you. We work directly with your creditors to negotiate reductions in your total unsecured debt balance. Many times debtors and creditors cannot get past their emotions to even think about settling a matter. 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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