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We work directly with your creditors to negotiate reductions in your total unsecured debt balance. 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. Settle debts for pennies on the dollar. let us intervene and negotiate reduction of your business debt. Our fee is a small percentage of the amount we save 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. Our specially trained negotiators are experts at obtaining favorable results which often lead to continued relationships between the debtor and the creditor. Don't consolidate your debt, negotiate your debt. We guarantee results or you pay us nothing. 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. 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