Exhibit 12

NCO Group, Inc.

Ratio of Earnings to Fixed Charges

(in thousands, except for ratios)



|                                               |  |                                    |         |    |                                  |   |        |      |  |   |         |   |  |   |        |  
|---------------------------------------------- |  | ---------------------------------- | ------- | -- | -------------------------------- | - | ------ | ---- |  | - | ------- | - |  | - | ------ | -
|                                               |  | For the Three MonthsEnded June 30, |         |    | For the Six MonthsEnded June 30, |  
|                                               |  | 2008                               |         |    | 2007                             |   |        | 2008 |  |   | 2007    |  
|Earnings:                                      |  |                                    |         |    |                                  |   |        |      |  |   |         |   |  |   |        |  
|Add:                                           |  |                                    |         |    |                                  |   |        |      |  |   |         |   |  |   |        |  
|Loss before income taxes and minority interest |  | $                                  | (25,946 | )  |                                  | $ | (721   | )    |  | $ | (38,751 | ) |  | $ | (2,607 | )
|Fixed charges                                  |  |                                    | 27,181  |    |                                  |   | 26,177 |      |  |   | 53,034  |   |  |   | 53,653 |  
|Amortization of capitalized interest           |  |                                    | 3       |    |                                  |   | 3      |      |  |   | 6       |   |  |   | 5      |  
|                                               |  |                                    |         |    |                                  |   |        |      |  |   |         |   |  |   |        |  
|                                               |  |                                    | 1,238   |    |                                  |   | 25,459 |      |  |   | 14,289  |   |  |   | 51,051 |  
|Subtract:                                      |  |                                    |         |    |                                  |   |        |      |  |   |         |   |  |   |        |  
|Capitalized interest                           |  |                                    | 25      |    |                                  |   |       |      |  |   | 25      |   |  |   |       |  
|Distributions to minority holders              |  |                                    | 2,284   |    |                                  |   | 3,245  |      |  |   | 5,631   |   |  |   | 3,992  |  
|                                               |  |                                    |         |    |                                  |   |        |      |  |   |         |   |  |   |        |  
|                                               |  |                                    | 2,309   |    |                                  |   | 3,245  |      |  |   | 5,656   |   |  |   | 3,992  |  
|                                               |  |                                    |         |    |                                  |   |        |      |  |   |         |   |  |   |        |  
|Earnings                                       |  | $                                  | (1,071  | )  |                                  | $ | 22,214 |      |  | $ | 8,633   |   |  | $ | 47,059 |  
|                                               |  |                                    |         |    |                                  |   |        |      |  |   |         |   |  |   |        |  
|Fixed Charges:                                 |  |                                    |         |    |                                  |   |        |      |  |   |         |   |  |   |        |  
|Interest expense                               |  | $                                  | 23,003  |    |                                  | $ | 23,116 |      |  | $ | 45,410  |   |  | $ | 47,458 |  
|Capitalized interest                           |  |                                    | 25      |    |                                  |   |       |      |  |   | 25      |   |  |   |       |  
|Portion of rentals deemed to be interest       |  |                                    | 4,153   |    |                                  |   | 3,061  |      |  |   | 7,599   |   |  |   | 6,195  |  
|                                               |  |                                    |         |    |                                  |   |        |      |  |   |         |   |  |   |        |  
|                                               |  | $                                  | 27,181  |    |                                  | $ | 26,177 |      |  | $ | 53,034  |   |  | $ | 53,653 |  
|                                               |  |                                    |         |    |                                  |   |        |      |  |   |         |   |  |   |        |  
|Ratio of earnings to fixed charges             |  |                                    | (0.0    | )x |                                  |   | 0.8x   |      |  |   | 0.2x    |   |  |   | 0.9x   |