Document:

<PAGE>
EXHIBIT 10.4

                               AMENDMENT NO. 1 TO

                              EMPLOYMENT AGREEMENT
                              --------------------

         THIS AMENDMENT, dated as of February 25, 2004 (this "Amendment"), by
and between DEBT RESOLVE, INC. (formerly Lombardia Acquisition Corp.) (the
"Company") and JAMES D. BURCHETTA (the "Executive").

                               W I T N E S S E T H

         WHEREAS, the parties hereto have heretofore entered into an Employment
Agreement, dated February 20, 2003 and effective as of January 13, 2003 (the
"Agreement"); and

         WHEREAS, the Company and the Executive wish to amend the Agreement to
modify the payment of Base Salary of the Executive.

         NOW, THEREFORE, the parties hereto hereby agree that the Agreement be
amended as follows:

         1. DEFINITIONS; REFERENCES; CONTINUATION OF AGREEMENT. Unless otherwise
specified herein, each term used herein that is defined in the Agreement shall
have the meaning assigned to such term in the Agreement. Each reference to
"hereof," "hereto," "hereunder," "herein" and "hereby" and each other similar
reference, and each reference to "this Agreement" and each other similar
reference, contained in the Agreement shall from and after the date hereof refer
to the Agreement as amended hereby. Except as amended hereby, all terms and
provisions of the Agreement shall continue and remain in full force and effect.

         2. REMUNERATION. In order to modify the payment of Base Salary of the
Executive under Section 3(a) of the Agreement, Item E of Exhibit A of the
Agreement shall be deleted and replaced, in its entirety with the following:

         "E. FOR SECTION 3(a):

         The annual rate referred to in Section 3(a) shall be as follows:

         (a) if at the date of any Base Salary payment, the aggregate amount of
the Company's net cash on hand provided from operating activities and net cash
and/or investments on hand provided from financing activities is sufficient to
cover the Company's projected cash flow requirements (as established by the
Company in good faith from time to time) for the next succeeding 12 months (the
"Projected Cash Requirement"), the annual rate shall be One Hundred Fifty
Thousand Dollars ($150,000); and

         (b) if at the date of any Base Salary payment, the Company's projected
cash flow provided from operating activities is sufficient to cover the
Company's Projected Cash Requirement, the annual rate shall be Two Hundred Forty
Thousand Dollars ($240,000); PROVIDED, that such Base Salary shall increase to
an annual rate of Four Hundred Fifty Thousand Dollars ($450,000) upon the later
to occur of (i) January 1, 2004 and (ii) the date upon which the Company
completes the sale or license of its system with respect to 400,000 consumer
credit accounts;

PROVIDED, HOWEVER, that any payments of Base Salary shall be allocated equally
among the Executive, Michael S. Harris and Alan M. Silberstein)."

<PAGE>

         3. GOVERNING LAW. This Amendment shall be governed by and construed in
accordance with the laws of the State of New York.

         4. COUNTERPARTS. This Amendment may be executed in counterparts.

         IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
duly executed on the date first above written.

DEBT RESOLVE, INC.                           EXECUTIVE:

By:  /s/ Michael S. Harris                   /s/ James D. Burchetta
    ---------------------------------        -----------------------------------
    Michael S. Harris                        James D. Burchetta
    General Counsel and Secretary

<PAGE>

                               AMENDMENT NO. 1 TO

                              EMPLOYMENT AGREEMENT
                              --------------------

         THIS AMENDMENT, dated as of February 25, 2004 (this "Amendment"), by
and between DEBT RESOLVE, INC. (formerly Lombardia Acquisition Corp.) (the
"Company") and MICHAEL S. HARRIS (the "Executive").

                               W I T N E S S E T H

         WHEREAS, the parties hereto have heretofore entered into an Employment
Agreement, dated February 20, 2003 and effective as of January 13, 2003 (the
"Agreement"); and

         WHEREAS, the Company and the Executive wish to amend the Agreement to
modify the payment of Base Salary of the Executive.

         NOW, THEREFORE, the parties hereto hereby agree that the Agreement be
amended as follows:

         1. DEFINITIONS; REFERENCES; CONTINUATION OF AGREEMENT. Unless otherwise
specified herein, each term used herein that is defined in the Agreement shall
have the meaning assigned to such term in the Agreement. Each reference to
"hereof," "hereto," "hereunder," "herein" and "hereby" and each other similar
reference, and each reference to "this Agreement" and each other similar
reference, contained in the Agreement shall from and after the date hereof refer
to the Agreement as amended hereby. Except as amended hereby, all terms and
provisions of the Agreement shall continue and remain in full force and effect.

         2. REMUNERATION. In order to modify the payment of Base Salary of the
Executive under Section 3(a) of the Agreement, Item E of Exhibit A of the
Agreement shall be deleted and replaced in its entirety with the following:

         "E. FOR SECTION 3(a):

         The annual rate referred to in Section 3(a) shall be as follows:

         (a) if at the date of any Base Salary payment, the aggregate amount of
the Company's net cash on hand provided from operating activities and net cash
and/or investments on hand provided from financing activities is sufficient to
cover the Company's projected cash flow requirements (as established by the
Company in good faith from time to time) for the next succeeding 12 months (the
"Projected Cash Requirement"), the annual rate shall be One Hundred Fifty
Thousand Dollars ($150,000); and

         (b) if at the date of any Base Salary payment, the Company's projected
cash flow provided from operating activities is sufficient to cover the
Company's Projected Cash Requirement, the annual rate shall be Two Hundred Forty
Thousand Dollars ($240,000); PROVIDED, that such Base Salary shall increase to
an annual rate of Four Hundred Fifty Thousand Dollars ($450,000) upon the later
to occur of (i) January 1, 2004 and (ii) the date upon which the Company
completes the sale or license of its system with respect to 400,000 consumer
credit accounts;

PROVIDED, HOWEVER, that any payments of Base Salary shall be allocated equally
among the Executive, James D. Burchetta and Alan M. Silberstein)."

<PAGE>

         3. GOVERNING LAW. This Amendment shall be governed by and construed in
accordance with the laws of the State of New York.

         4. COUNTERPARTS. This Amendment may be executed in counterparts.

         IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
duly executed on the date first above written.

DEBT RESOLVE, INC.                           EXECUTIVE:

By: /s/ Alan M. Silberstein                  /s/ Michael S. Harris
    ---------------------------------        -----------------------------------
    Alan M. Silberstein                      Michael S. Harris
    President and Chief Operating Officer

<PAGE>

                               AMENDMENT NO. 1 TO

                              EMPLOYMENT AGREEMENT
                              --------------------

         THIS AMENDMENT, dated as of February 25, 2004 (this "Amendment"), by
and between DEBT RESOLVE, INC. (the "Company") and ALAN M. SILBERSTEIN (the
"Executive").

                               W I T N E S S E T H

         WHEREAS, the parties hereto have heretofore entered into an Employment
Agreement, dated June 9, 2003 (the "Agreement"); and

         WHEREAS, the Company and the Executive wish to amend the Agreement to
modify the payment of Base Salary of the Executive.

         NOW, THEREFORE, the parties hereto hereby agree that the Agreement be
amended as follows:

         1. DEFINITIONS; REFERENCES; CONTINUATION OF AGREEMENT. Unless otherwise
specified herein, each term used herein that is defined in the Agreement shall
have the meaning assigned to such term in the Agreement. Each reference to
"hereof," "hereto," "hereunder," "herein" and "hereby" and each other similar
reference, and each reference to "this Agreement" and each other similar
reference, contained in the Agreement shall from and after the date hereof refer
to the Agreement as amended hereby. Except as amended hereby, all terms and
provisions of the Agreement shall continue and remain in full force and effect.

         2. REMUNERATION. In order to modify the payment of Base Salary of the
Executive under Section 3(a) of the Agreement, Item E of Exhibit A of the
Agreement shall be deleted and replaced, in its entirety with the following:

         "E. FOR SECTION 3(a):

         The annual rate referred to in Section 3(a) shall be as follows:

         (a) if at the date of any Base Salary payment, the aggregate amount of
the Company's net cash on hand provided from operating activities and net cash
and/or investments on hand provided from financing activities is sufficient to
cover the Company's projected cash flow requirements (as established by the
Company in good faith from time to time) for the next succeeding 12 months (the
"Projected Cash Requirement"), the annual rate shall be One Hundred Fifty
Thousand Dollars ($150,000); and

         (b) if at the date of any Base Salary payment, the Company's projected
cash flow provided from operating activities is sufficient to cover the
Company's Projected Cash Requirement, the annual rate shall be Two Hundred Forty
Thousand Dollars ($240,000); PROVIDED, that such Base Salary shall increase to
an annual rate of Four Hundred Fifty Thousand Dollars ($450,000) upon the later
to occur of (i) January 1, 2004 and (ii) the date upon which the Company
completes the sale or license of its system with respect to 400,000 consumer
credit accounts;

PROVIDED, HOWEVER, that any payments of Base Salary shall be allocated equally
among the Executive, James D. Burchetta and Michael S. Harris)."

<PAGE>

         3. GOVERNING LAW. This Amendment shall be governed by and construed in
accordance with the laws of the State of New York.

         4. COUNTERPARTS. This Amendment may be executed in counterparts.

         IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
duly executed on the date first above written.

DEBT RESOLVE, INC.                           EXECUTIVE:

By: /s/ Michael S. Harris                    /s/ Alan M. Silberstein
    ---------------------------------        -----------------------------------
    Michael S. Harris                        Alan M. Silberstein
    General Counsel and Secretary<PAGE>

Exhibit 10.82

December 1, 2003

KRDS, Inc.
6 CHATTANOOGA
IRVINE, CA 92620

RE:      17861 CARTWRIGHT ROAD LEASE
         RIGHT OF CANCELLATION -- LETTER DATED APRIL 11, 2002

Gentlemen:

We held recent discussion regarding rescission of the above cancellation
agreement from our existing lease.

In exchange for eliminating the remaining late charges of $7,125.80, we are
willing to rescind the right of cancellation, effective immediately. If this is
agreeable to you, please sign below and return a copy to me for our files.

I will arrange to have paid to you the remaining back rents, together with the
current month's rent.

Landlord:                                    Tenant:

/s/ Dilip R. Shah                            /s/ Thomas E. Schiff
---------------------------------            -----------------------------------
KRDS, Inc.                                   SSP Solutions, Inc.
Dilip Shah                                   Thomas E. Shiff
Managing Partner                             Chief Financial Officer

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