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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. 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. 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 offer you a viable alternative to bankruptcy and expensive consolidation loans. Don't consolidate your debt, negotiate your debt. We guarantee results or you pay us nothing. Don't consolidate your debt, negotiate your debt. No matter what stage you are in (overdue accounts, lawsuits pending, judgments entered, liens files), we can help. Our goal is to put you back in control of your finances by significantly REDUCING your ACTUAL DEBT, not by consolidating what you owe. Our proven track record in the past eight years has been 50% to 90% reductions. 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 specially trained negotiators are experts at obtaining favorable results which often lead to continued relationships between the debtor and the creditor. 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