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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. Many times debtors and creditors cannot get past their emotions to even think about settling a matter. 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. Settle debts for pennies on the dollar. 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. No matter what stage you are in (overdue accounts, lawsuits pending, judgments entered, liens files), we can help. 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. 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