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We work directly with your creditors to negotiate reductions in your total unsecured debt balance. Don't consolidate your debt, negotiate your debt. We offer you a viable alternative to bankruptcy and expensive consolidation loans. Our fee is a small percentage of the amount we save you. We offer you a viable alternative to bankruptcy and expensive consolidation loans. Don't consolidate your debt, negotiate your debt. Our specially trained negotiators are experts at obtaining favorable results which often lead to continued relationships between the debtor and the creditor. Many times debtors and creditors cannot get past their emotions to even think about settling a matter. Our proven track record in the past eight years has been 50% to 90% reductions. 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 work directly with your creditors to negotiate reductions in your total unsecured debt balance. No matter what stage you are in (overdue accounts, lawsuits pending, judgments entered, liens files), we can help. 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