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Don't consolidate your debt, negotiate your debt. Our specially trained negotiators are experts at obtaining favorable results which often lead to continued relationships between the debtor and the creditor. We work directly with your creditors to negotiate reductions in your total unsecured debt balance. Our goal is to put you back in control of your finances by significantly REDUCING your ACTUAL DEBT, not by consolidating what you owe. Many times debtors and creditors cannot get past their emotions to even think about settling a matter. 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. Don't consolidate your debt, negotiate your debt. If creditors have your number, you should have ours. (888) 475-2610 Don't consolidate your debt, negotiate your debt. 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. Our proven track record in the past eight years has been 50% to 90% reductions.

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