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Don't consolidate your debt, negotiate your debt. Settle debts for pennies on the dollar. 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. The more energy you expend worrying, the less work you get done, the less money you make, and the less you can afford to pay your creditors. We guarantee results or you pay us nothing. Our proven track record in the past eight years has been 50% to 90% reductions. 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 goal is to put you back in control of your finances by significantly REDUCING your ACTUAL DEBT, not by consolidating what you owe. 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 guarantee results or you pay us nothing. Don't consolidate your debt, negotiate your debt. 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