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We work directly with your creditors to negotiate reductions in your total unsecured debt balance. We offer you a viable alternative to bankruptcy and expensive consolidation loans. 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. Don't consolidate your debt, negotiate your debt. Don't consolidate your debt, negotiate your debt. 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. We can restore your peace of mind by stopping harassing creditors' calls. Call now for a free telephone consultation. 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 offer you a viable alternative to bankruptcy and expensive consolidation loans. We work directly with your creditors to negotiate reductions in your total unsecured debt balance. 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