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Our proven track record in the past eight years has been 50% to 90% reductions. Our goal is to put you back in control of your finances by significantly REDUCING your ACTUAL DEBT, not by consolidating what you owe. We guarantee results or you pay us nothing. Our fee is a small percentage of the amount we save you. We can restore your peace of mind by stopping harassing creditors' calls. Call now for a free telephone consultation. Settle debts for pennies on the dollar. 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. 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. Many times debtors and creditors cannot get past their emotions to even think about settling a matter. We offer you a viable alternative to bankruptcy and expensive consolidation loans. If creditors have your number, you should have ours. 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