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Our specially trained negotiators are experts at obtaining favorable results which often lead to continued relationships between the debtor and the creditor. We work directly with your creditors to negotiate reductions in your total unsecured debt balance. 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. Our specially trained negotiators are experts at obtaining favorable results which often lead to continued relationships between the debtor and the creditor. Our proven track record in the past eight years has been 50% to 90% reductions. 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. 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. No matter what stage you are in (overdue accounts, lawsuits pending, judgments entered, liens files), we can help. 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. 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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