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Our fee is a small percentage of the amount we save you. Our fee is a small percentage of the amount we save you. 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. No matter what stage you are in (overdue accounts, lawsuits pending, judgments entered, liens files), we can help. We offer you a viable alternative to bankruptcy and expensive consolidation loans. Settle debts for pennies on the dollar. Our specially trained negotiators are experts at obtaining favorable results which often lead to continued relationships between the debtor and the creditor. We work directly with your creditors to negotiate reductions in your total unsecured debt balance. 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