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Our goal is to put you back in control of your finances by significantly REDUCING your ACTUAL DEBT, not by consolidating what you owe. Our goal is to put you back in control of your finances by significantly REDUCING your ACTUAL DEBT, not by consolidating what you owe. 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. 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. Don't consolidate your debt, negotiate your debt. 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. We work directly with your creditors to negotiate reductions in your total unsecured debt balance. let us intervene and negotiate reduction of your business debt. 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. 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