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We can restore your peace of mind by stopping harassing creditors' calls. Call now for a free telephone consultation. We can restore your peace of mind by stopping harassing creditors' calls. Call now for a free telephone consultation. Settle debts for pennies on the dollar. 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. 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. 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. We work directly with your creditors to negotiate reductions in your total unsecured debt balance. 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