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Many times debtors and creditors cannot get past their emotions to even think about settling a matter. We offer you a viable alternative to bankruptcy and expensive consolidation loans. We offer you a viable alternative to bankruptcy and expensive consolidation loans. We guarantee results or you pay us nothing. Don't consolidate your debt, negotiate your debt. 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 can restore your peace of mind by stopping harassing creditors' calls. Call now for a free telephone consultation. Many times debtors and creditors cannot get past their emotions to even think about settling a matter. 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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