**Exhibit 12**

 

**NCO Group, Inc.**

**Ratio of Earnings to Fixed Charges**

**(in thousands, except for ratios)**

 
| ** **                                             | ** ** | **For the Three Months Ended** | ** ** |
|--------------------------------------------------------|------------|----------------------------------------------------|------------|
| ** **                                             | ** ** | **March 31,**                                 | ** ** |
| ** **                                             | ** ** | **2011(1)(2)**                                     | ** ** | **2010(1)(3)** | ** ** |
| **Earnings:**                                          |       |                                               |       |   |   |
| *Add:*                                                 |       |                                               |       |   |   |
| Loss before income taxes and noncontrolling   interest |       | $                                                  | (41,396    | ) | $ | (11,298 | ) |
| Fixed charges                                          |       | 27,360                                             |       | 29,540 |   |
|                                                   |       | (14,036                                            | )          | 18,242 |   |
| *Subtract:*                                            |       |                                               |       |   |   |
| Interest capitalized                                   |       | 99                                                 |       | — |   |
| Distributions to noncontrolling interest holders       |       | 883                                                |       | 1,264 |   |
|                                                   |       | 982                                                |       | 1,264 |   |
| *Earnings*                                             |       | $                                                  | (15,018    | ) | $ | 16,978 |   |
|                                                   |       |                                               |       |   |   |
| **Fixed Charges:**                                     |       |                                               |       |   |   |
| Interest expense                                       |       | $                                                  | 21,828     |   | $ | 23,601 |   |
| Interest capitalized                                   |       | 99                                                 |       | — |   |
| Portion of rentals deemed to be interest               |       | 5,433                                              |       | 5,939 |   |
|                                                   |       | $                                                  | 27,360     |   | $ | 29,540 |   |
|                                                   |       |                                               |       |   |   |
| **Ratio of earnings to fixed   charges**               |       | (0.5                                               | )x         | 0.6 | x |

 

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| (1) | For   the three months ended March 31, 2011 and 2010, the Company’s ratio of   earnings to fixed charges indicated a less than one-to-one coverage. The   deficiency was a result of earnings that were $42.4 million and $12.6   million, respectively, less than fixed charges. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| (2) | Loss   before income taxes and noncontrolling interest included restructuring   charges of $12.2 million and an $18.6 write-down of the value of certain   portfolios of purchased accounts receivable.                                                                                     |
| (3) | Loss   before income taxes and noncontrolling interest included restructuring charges   of $1.4 million.                                                                                                                                                                                    |

 

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