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Many times debtors and creditors cannot get past their emotions to even think about settling a matter. We guarantee results or you pay us nothing. 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. Just having objective third party intervention can set the tone for amiable resolution. 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 guarantee results or you pay us nothing. No matter what stage you are in (overdue accounts, lawsuits pending, judgments entered, liens files), we can help. 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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