My husband and I recently purchased a home in 3/16/05 and we are now faced with 20,000 debt. We need either refinancing or some sort of consolidation. Is this possible. We are current on the house to this day.

If I decide to use a debt consolidator to get out of debt-does that show up on my credit report? How long does it stay on it? Does it effect my score?

How much does this program cost?

Please tell me how to pay online.

I to was threatened by Ellis&Crosby , because I also could not pay my payday loan on time as the loan company wanted me to I only owed them $250.00 but Ellis&Crosby told me yesterday that it would be $1717.50 or I would lose my job and they told me I had to pay by 5:00PM on 7/5/05. The person I spoke to her name was Valentine and she wanted to know had I ever been charged with fraud or was I on any kind of probation. In the background I heard her say "Get me a background check on Lily Boyd" and she contacted me on my job.

what is this business phone number?

How will having been in THREE debt consolidation programs affect me?

Computer security and software companies are urging the U.S. Senate to approve the world's first treaty targeting cybercrime. In a letter to the senate, the group of companies urged the senate to approve the cybercrime treaty. According to the letter, "The cybercrime convention will serve as an important tool in the global fight against those who seek to disrupt computer networks, misuse private or sensitive information, or commit traditional crimes utilizing Internet-enabled technologies.

Remember Choicepoint? The company that had a security breach that affected 145,000 Americans. This crime resulted in 750 cases of identity theft. Amid legislative and public pressure, the company said that it completed an overhaul of its system so that this sort of breach would not occur again. Choice Point has restricted its policy for selling consumer data.

I was reading an article and I found out about another security breach involving debit/credit cards at a credit card processing center. It seems like every week there is something new. In this case, RBC notified 10,000 customers that they are at risk for credit fraud. The information of 10,000 customers was stolen when computer hackers hacked the credit card data processing company. The breach supposedly affects consumers in five states. A bank spokeswoman has said that 40 customers have already reported suspected fraudulent withdrawals from their accounts.