Exhibit 12

NCO Group, Inc.

Ratio of Earnings to Fixed Charges

(in thousands, except for ratios)



|                                                                            |  |                                    |        |   |                                  |   |        |           |  |   |             |   |  |   |        |  
|--------------------------------------------------------------------------- |  | ---------------------------------- | ------ | - | -------------------------------- | - | ------ | --------- |  | - | ----------- | - |  | - | ------ | -
|                                                                            |  | Successor                          |        |   | Predecessor                      |   |        | Successor |  |   | Predecessor |  
|                                                                            |  | For the Three MonthsEnded June 30, |        |   | For the Six MonthsEnded June 30, |  
|                                                                            |  | 2007                               |        |   | 2006                             |   |        | 2007      |  |   | 2006        |  
|Earnings:                                                                   |  |                                    |        |   |                                  |   |        |           |  |   |             |   |  |   |        |  
|Add:                                                                        |  |                                    |        |   |                                  |   |        |           |  |   |             |   |  |   |        |  
|(Loss) income before income taxes and minority interest                     |  | $                                  | (1     | ) |                                  | $ | 17,720 |           |  | $ | (204        | ) |  | $ | 35,618 |  
|Fixed charges                                                               |  |                                    | 26,099 |   |                                  |   | 9,775  |           |  |   | 53,479      |   |  |   | 20,069 |  
|Amortization of capitalized interest                                        |  |                                    | 3      |   |                                  |   | 3      |           |  |   | 5           |   |  |   | 5      |  
|                                                                            |  |                                    |        |   |                                  |   |        |           |  |   |             |   |  |   |        |  
|                                                                            |  |                                    | 26,101 |   |                                  |   | 27,498 |           |  |   | 53,280      |   |  |   | 55,692 |  
|Subtract:                                                                   |  |                                    |        |   |                                  |   |        |           |  |   |             |   |  |   |        |  
|Distributions to minority holders                                           |  |                                    | 3,245  |   |                                  |   | 383    |           |  |   | 3,992       |   |  |   | 2,283  |  
|                                                                            |  |                                    |        |   |                                  |   |        |           |  |   |             |   |  |   |        |  
|Earnings                                                                    |  | $                                  | 22,856 |   |                                  | $ | 27,115 |           |  | $ | 49,288      |   |  | $ | 53,409 |  
|                                                                            |  |                                    |        |   |                                  |   |        |           |  |   |             |   |  |   |        |  
|Fixed Charges:                                                              |  |                                    |        |   |                                  |   |        |           |  |   |             |   |  |   |        |  
|Interest expense                                                            |  | $                                  | 23,084 |   |                                  | $ | 6,793  |           |  | $ | 47,369      |   |  | $ | 13,804 |  
|Amortization of deferred financing charges not included in interest expense |  |                                    |       |   |                                  |   | 33     |           |  |   |            |   |  |   | 230    |  
|Portion of rentals deemed to be interest                                    |  |                                    | 3,015  |   |                                  |   | 2,949  |           |  |   | 6,110       |   |  |   | 6,035  |  
|                                                                            |  |                                    |        |   |                                  |   |        |           |  |   |             |   |  |   |        |  
|                                                                            |  | $                                  | 26,099 |   |                                  | $ | 9,775  |           |  | $ | 53,479      |   |  | $ | 20,069 |  
|                                                                            |  |                                    |        |   |                                  |   |        |           |  |   |             |   |  |   |        |  
|Ratio of earnings to fixed charges                                          |  |                                    | 0.9    | x |                                  |   | 2.8    | x         |  |   | 0.9         | x |  |   | 2.7    | x