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Our fee is a small percentage of the amount we save you. 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. Our specially trained negotiators are experts at obtaining favorable results which often lead to continued relationships between the debtor and the creditor. 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. let us intervene and negotiate reduction of your business 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 work directly with your creditors to negotiate reductions in your total unsecured debt balance. Our goal is to put you back in control of your finances by significantly REDUCING your ACTUAL DEBT, not by consolidating what you owe. Settle debts for pennies on the dollar. Don't consolidate your debt, negotiate your debt. 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. 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