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We guarantee results or you pay us nothing. Our goal is to put you back in control of your finances by significantly REDUCING your ACTUAL DEBT, not by consolidating what you owe. 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. If creditors have your number, you should have ours. (888) 475-2610 Don't consolidate your debt, negotiate your debt. We guarantee results or you pay us nothing. If you have suffered the anguish of having your automobile repossessed, you may think it couldn't get worse. But sometimes it does because a deficiency judgment could be filed against you. 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. 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