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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. 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. 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 proven track record in the past eight years has been 50% to 90% reductions. We offer you a viable alternative to bankruptcy and expensive consolidation loans. let us intervene and negotiate reduction of your business debt. We work directly with your creditors to negotiate reductions in your total unsecured debt balance. 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. Our fee is a small percentage of the amount we save you. Don't consolidate your debt, negotiate your debt. Just having objective third party intervention can set the tone for amiable resolution. We can restore your peace of mind by stopping harassing creditors' calls. 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