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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 goal is to put you back in control of your finances by significantly REDUCING your ACTUAL DEBT, not by consolidating what you owe. We offer you a viable alternative to bankruptcy and expensive consolidation loans. We guarantee results or you pay us nothing. If creditors have your number, you should have ours. (888) 475-2610 let us intervene and negotiate reduction of your business debt. We work directly with your creditors to negotiate reductions in your total unsecured debt balance. Just having objective third party intervention can set the tone for amiable resolution. Many times debtors and creditors cannot get past their emotions to even think about settling a matter. 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. Our proven track record in the past eight years has been 50% to 90% reductions. 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