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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. Our proven track record in the past eight years has been 50% to 90% reductions. Settle debts for pennies on the dollar. Let us take care of your debt so that you can concentrate on your work. Call today. (888) 475-2610 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. Our fee is a small percentage of the amount we save you. 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. 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. 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