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Don't consolidate your debt, negotiate your debt. We can restore your peace of mind by stopping harassing creditors' calls. Call now for a free telephone consultation. 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. 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. 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. 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. Settle debts for pennies on the dollar. 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