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We offer you a viable alternative to bankruptcy and expensive consolidation loans. 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 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. No matter what stage you are in (overdue accounts, lawsuits pending, judgments entered, liens files), we can help. Don't consolidate your debt, negotiate your debt. Don't consolidate your debt, negotiate your debt. 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. Our specially trained negotiators are experts at obtaining favorable results which often lead to continued relationships between the debtor and the creditor. 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