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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. 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 fee is a small percentage of the amount we save you. Many times debtors and creditors cannot get past their emotions to even think about settling a matter. Our proven track record in the past eight years has been 50% to 90% reductions. Let us take care of your debt so that you can concentrate on your work. Call today. (888) 475-2610 We work directly with your creditors to negotiate reductions in your total unsecured debt balance. We guarantee results or you pay us nothing. We guarantee results or you pay us nothing. 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. 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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