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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. Just having objective third party intervention can set the tone for amiable resolution. 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 offer you a viable alternative to bankruptcy and expensive consolidation loans. 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. We guarantee results or you pay us nothing. 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. We work directly with your creditors to negotiate reductions in your total unsecured debt balance. let us intervene and negotiate reduction of your business debt. 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