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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. 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. 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. Just having objective third party intervention can set the tone for amiable resolution. Settle debts for pennies on the dollar. Our proven track record in the past eight years has been 50% to 90% reductions. We work directly with your creditors to negotiate reductions in your total unsecured debt balance. 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. Don't consolidate your debt, negotiate your debt. 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