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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. Don't consolidate your debt, negotiate your debt. Our fee is a small percentage of the amount we save you. No matter what stage you are in (overdue accounts, lawsuits pending, judgments entered, liens files), we can help. We offer you a viable alternative to bankruptcy and expensive consolidation loans. 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. Our specially trained negotiators are experts at obtaining favorable results which often lead to continued relationships between the debtor and the creditor. 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