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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. Settle debts for pennies on the dollar. If creditors have your number, you should have ours. (888) 475-2610 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. 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. Many times debtors and creditors cannot get past their emotions to even think about settling a matter. We guarantee results or you pay us nothing. 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