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let us intervene and negotiate reduction of your business debt. We offer you a viable alternative to bankruptcy and expensive consolidation loans. We offer you a viable alternative to bankruptcy and expensive consolidation loans. Don't consolidate your debt, negotiate your debt. Settle debts for pennies on the dollar. 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 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. No matter what stage you are in (overdue accounts, lawsuits pending, judgments entered, liens files), we can help. If creditors have your number, you should have ours. 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