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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. 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 guarantee results or you pay us nothing. We work directly with your creditors to negotiate reductions in your total unsecured debt balance. 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 guarantee results or you pay us nothing. Our proven track record in the past eight years has been 50% to 90% reductions. Our goal is to put you back in control of your finances by significantly REDUCING your ACTUAL DEBT, not by consolidating what you owe. Don't consolidate your debt, negotiate your debt. Don't consolidate your debt, negotiate your debt. Just having objective third party intervention can set the tone for amiable resolution. 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