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Settle debts for pennies on the dollar. We work directly with your creditors to negotiate reductions in your total unsecured debt balance. 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. 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 offer you a viable alternative to bankruptcy and expensive consolidation loans. Don't consolidate your debt, negotiate your debt. Our fee is a small percentage of the amount we save you. Just having objective third party intervention can set the tone for amiable resolution. 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 specially trained negotiators are experts at obtaining favorable results which often lead to continued relationships between the debtor and the creditor. If creditors have your number, you should have ours. 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