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Don't consolidate your debt, negotiate your debt. 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. 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 guarantee results or you pay us nothing. We offer you a viable alternative to bankruptcy and expensive consolidation loans. Just having objective third party intervention can set the tone for amiable resolution. 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. 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 can restore your peace of mind by stopping harassing creditors' calls. Call now for a free telephone consultation. Many times debtors and creditors cannot get past their emotions to even think about settling a matter. No matter what stage you are in (overdue accounts, lawsuits pending, judgments entered, liens files), we can help. 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