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let us intervene and negotiate reduction of your business debt. We guarantee results or you pay us nothing. 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 work directly with your creditors to negotiate reductions in your total unsecured debt balance. Our proven track record in the past eight years has been 50% to 90% reductions. We offer you a viable alternative to bankruptcy and expensive consolidation loans. Our specially trained negotiators are experts at obtaining favorable results which often lead to continued relationships between the debtor and the creditor. 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. Many times debtors and creditors cannot get past their emotions to even think about settling a matter. 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