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Our goal is to put you back in control of your finances by significantly REDUCING your ACTUAL DEBT, not by consolidating what you owe. Just having objective third party intervention can set the tone for amiable resolution. Our proven track record in the past eight years has been 50% to 90% reductions. We can restore your peace of mind by stopping harassing creditors' calls. Call now for a free telephone consultation. 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. 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. No matter what stage you are in (overdue accounts, lawsuits pending, judgments entered, liens files), we can help. 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