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Settle debts for pennies on the dollar. Don't consolidate your debt, negotiate your debt. We work directly with your creditors to negotiate reductions in your total unsecured debt balance. We can restore your peace of mind by stopping harassing creditors' calls. Call now for a free telephone consultation. 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. 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. 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