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Don't consolidate your debt, negotiate your debt. No matter what stage you are in (overdue accounts, lawsuits pending, judgments entered, liens files), we can help. 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. Our fee is a small percentage of the amount we save you. Just having objective third party intervention can set the tone for amiable resolution. If creditors have your number, you should have ours. (888) 475-2610 We guarantee results or you pay us nothing. Our goal is to put you back in control of your finances by significantly REDUCING your ACTUAL DEBT, not by consolidating what you owe. Our proven track record in the past eight years has been 50% to 90% reductions. 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. 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