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Don't consolidate your debt, negotiate your debt. 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. We offer you a viable alternative to bankruptcy and expensive consolidation loans. 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. We work directly with your creditors to negotiate reductions in your total unsecured debt balance. 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. No matter what stage you are in (overdue accounts, lawsuits pending, judgments entered, liens files), we can help. 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