Exhibit 12

NCO Group, Inc.

Ratio of Earnings to Fixed Charges

(in thousands, except for ratios)



|                                                        |  |                                         |         |    |                                        |   |        |      |  |   |         |    |  |   |        |  
|------------------------------------------------------- |  | --------------------------------------- | ------- | -- | -------------------------------------- | - | ------ | ---- |  | - | ------- | -- |  | - | ------ | -
|                                                        |  | For the Three MonthsEnded September 30, |         |    | For the Nine MonthsEnded September 30, |  
|                                                        |  | 2008                                    |         |    | 2007                                   |   |        | 2008 |  |   | 2007    |   
|Earnings:                                               |  |                                         |         |    |                                        |   |        |      |  |   |         |    |  |   |        |  
|Add:                                                    |  |                                         |         |    |                                        |   |        |      |  |   |         |    |  |   |        |  
|(Loss) income before income taxes and minority interest |  | $                                       | (46,272 | )  |                                        | $ | (6,313 | )    |  | $ | (85,023 | )  |  | $ | (8,920 | )
|Fixed charges                                           |  |                                         | 30,791  |    |                                        |   | 27,562 |      |  |   | 87,048  |    |  |   | 80,073 |  
|Amortization of capitalized interest                    |  |                                         | 3       |    |                                        |   | 3      |      |  |   | 9       |    |  |   | 8      |  
|                                                        |  |                                         |         |    |                                        |   |        |      |  |   |         |    |  |   |        |  
|                                                        |  |                                         | (15,478 | )  |                                        |   | 21,252 |      |  |   | 2,034   |    |  |   | 71,161 |  
|Subtract:                                               |  |                                         |         |    |                                        |   |        |      |  |   |         |    |  |   |        |  
|Interest capitalized                                    |  |                                         |        |    |                                        |   |       |      |  |   | 25      |    |  |   |       |  
|Distributions to minority holders                       |  |                                         | 3,603   |    |                                        |   | 1,488  |      |  |   | 9,234   |    |  |   | 5,480  |  
|                                                        |  |                                         |         |    |                                        |   |        |      |  |   |         |    |  |   |        |  
|                                                        |  |                                         | 3,603   |    |                                        |   | 1,488  |      |  |   | 9,259   |    |  |   | 5,480  |  
|                                                        |  |                                         |         |    |                                        |   |        |      |  |   |         |    |  |   |        |  
|Earnings                                                |  | $                                       | (19,081 | )  |                                        | $ | 19,764 |      |  | $ | (7,225  | )  |  | $ | 65,681 |  
|                                                        |  |                                         |         |    |                                        |   |        |      |  |   |         |    |  |   |        |  
|Fixed Charges:                                          |  |                                         |         |    |                                        |   |        |      |  |   |         |    |  |   |        |  
|Interest expense                                        |  | $                                       | 24,982  |    |                                        | $ | 24,551 |      |  | $ | 70,392  |    |  | $ | 70,867 |  
|Interest capitalized                                    |  |                                         |        |    |                                        |   |       |      |  |   | 25      |    |  |   |       |  
|Portion of rentals deemed to be interest                |  |                                         | 5,809   |    |                                        |   | 3,011  |      |  |   | 16,631  |    |  |   | 9,206  |  
|                                                        |  |                                         |         |    |                                        |   |        |      |  |   |         |    |  |   |        |  
|                                                        |  | $                                       | 30,791  |    |                                        | $ | 27,562 |      |  | $ | 87,048  |    |  | $ | 80,073 |  
|                                                        |  |                                         |         |    |                                        |   |        |      |  |   |         |    |  |   |        |  
|Ratio of earnings to fixed charges                      |  |                                         | (0.6    | )x |                                        |   | 0.7    | x    |  |   | (0.1    | )x |  |   | 0.8    | x