EXHIBIT 10.19
 SEVENTH AMENDMENT TO
FOURTH AMENDED AND RESTATED LOAN AGREEMENT
 THIS SEVENTH AMENDMENT TO FOURTH AMENDED AND RESTATED LOAN AGREEMENT Amendment ASTA
FUNDING ACQUISITION I, LLC, ASTA FUNDING ACQUISITION II, LLC PALISADES COLLECTION, L.L.C. PALISADES ACQUISITION I, LLC PALISADES ACQUISITION
II, LLC PALISADES ACQUISITION IV, LLC PALISADES ACQUISITION V, LLC PALISADES
ACQUISITION VI, LLC PALISADES ACQUISITION VII, LLC PALISADES ACQUISITION VIII, LLC PALISADES ACQUISITION IX, LLC PALISADES ACQUISITION
X, LLC CLIFFS PORTFOLIO ACQUISITION I, LLC SYLVAN ACQUISITION I, LLC OPTION CARD, LLC Borrowers Borrower ASTA FUNDING, INC. COMPUTER FINANCE, LLC ASTAFUNDING.COM, LLC ASTA COMMERCIAL, LLC VATIV RECOVERY SOLUTIONS, LLC Guarantors ASTA FUNDING ACQUISITION IV, LLC PALISADES ACQUISITION XI, LLC PALISADES ACQUISITION XII,
LLC, PALISADES ACQUISITION XIII, LLC PALISADES ACQUISITION XIV, LLC PALISADES
ACQUISITION XV, LLC PALISADES ACQUISITION XVII, LLC PALISADES ACQUISITION XVIII, LLC CITIZENS LENDING GROUP LLC VENTURA SERVICES,
LLC Additional Guarantors ISRAEL
DISCOUNT BANK OF NEW YORK, IDB Collateral Agent Administrative Agent Agents MIDDLE MARKET FINANCE Merrill Lynch
 RECITALS:
 Credit Parties




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Credit Agreement
  AGREEMENT:
      Capital Contribution Amounts
 Guarantors
 Permitted Encumbrances Section 5.2(b)




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Section 8.1(j) Section 6.7 Section 6.6(c)
 Revolving Loan Commitment Annex J
 Annex J Replacement Annex J Exhibit A




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Section 1.1(a)(ii) Section 1.1(a)(ii) Section 1.1(a)(ii) Section
1.1(a)(ii)




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APPLICABLE
    
    APPLICABLEIF LEVERAGE RATIO IS:
    
    BASE RATE MARGIN
    
    LIBOR MARGINLess than 1.0 to 1.0
    
    100 basis points
    
    300 basis pointsGreater than or equal to 1.0 to 1.0
but less than 1.25 to 1.0
    
    125 basis points
    
    325 basis pointsGreater than or equal to 1.25 to 1.0
    
    150 basis points
    
    350 basis points
 First
Adjustment Date
  Annual Audited Statements




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Guaranteed Indebtedness
  Financial Covenants




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Amended and Restated Revolving Notes
 Intercreditor Agreement
 Other Documents
 Amendment Fee




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BORROWERS:
    
    ASTA FUNDING ACQUISITION I, LLCASTA FUNDING ACQUISITION II, LLCPALISADES COLLECTION, L.L.C.CLIFFS PORTFOLIO ACQUISITION I, LLCPALISADES ACQUISITION I, LLCPALISADES ACQUISITION II, LLCPALISADES ACQUISITION IV, LLCPALISADES ACQUISITION V, LLCPALISADES ACQUISITION VI, LLCPALISADES ACQUISITION VII, LLCPALISADES ACQUISITION VIII, LLCPALISADES ACQUISITION IX, LLCPALISADES ACQUISITION X, LLCSYLVAN ACQUISITION I, LLCOPTION CARD, LLC
 By:
    
    /s/ Gary SternName: Gary SternTitle: Manager
 GUARANTORS:
    
    ASTA FUNDING, INC.
 By:
    
    /s/ Gary SternName: Gary SternTitle: President and Chief Executive Officer
 COMPUTER FINANCE, LLCASTAFUNDING.COM, LLCASTA COMMERCIAL, LLCVATIV RECOVERY SOLUTIONS, LLCASTA FUNDING ACQUISITION IV, LLCPALISADES ACQUISITION XI, LLCPALISADES ACQUISITION XII, LLCPALISADES ACQUISITION XIII, LLCPALISADES ACQUISITION XIV, LLCPALISADES ACQUISITION XV, LLCPALISADES ACQUISITION XVII, LLCPALISADES ACQUISITION XVIII, LLCCITIZENS LENDING GROUP, LLCVENTURA SERVICES, LLC
 By:
    
    /s/ Gary SternName: Gary SternTitle: Manager




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AGENT:
    
    ISRAEL DISCOUNT BANK OF NEW YORK,as Administrative Agent, Collateral Agent andCo-Lead Arranger
 By:
    
    /s/ Kenneth LipkeName:
    
    Kenneth LipkeTitle:
    
    First Vice PresidentBy:
    
    /s/ Jeffrey S. AckermanName:
    
    Jeffrey S. AckermanTitle:
    
    Senior Vice President




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MIDDLE MARKET FINANCE, a division ofMERRILL LYNCH BUSINESS FINANCIALSERVICES INC., as Co-Administrative Agent andCo-Lead Arranger
 By:
    
    /s/ Phillip SalterName:
    
    Phillip SalterTitle:
    
    Vice President




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LENDERS:
    
    ISRAEL DISCOUNT BANK OF NEW YORK,as Lender
 By:
    
    /s/ Kenneth LipkeName:
    
    Kenneth LipkeTitle:
    
    First Vice PresidentBy:
    
    /s/ Jeffrey S. AckermanName:
    
    Jeffrey S. AckermanTitle:
    
    Senior Vice President




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MIDDLE MARKET FINANCE, a division ofMERRILL LYNCH BUSINESS FINANCIALSERVICES INC., as Lender
 By:
    
    /s/ Phillip SalterPrint Name:
    
    Phillip SalterPrint Title:
    
    Vice President




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BMO CAPITAL MARKETS FINANCING, INC.,as Lender
 By:
    
    /s/ Heather L. TurfPrint Name:
    
    Heather L. TurfPrint Title:
    
    Vice President




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BANK LEUMI USA, as Lender
 By:
    
    /s/ John Le ClairPrint Name:
    
    John Le ClairPrint Title:
    
    Vice President




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THE BERKSHIRE BANK, as Lender
 By:
    
    /s/ Ira A. MermelsteinPrint Name:
    
    Ira A. MermelsteinPrint Title:
    
    Vice President




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SIGNATURE BANK, as Lender
 By:
    
    /s/ Thomas J. DAntonaPrint Name:
    
    Thomas J. DAntonaPrint Title:
    
    Senior Vice President & Senior
Lender




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PROVIDENT BANK, as Lender
 By:
    
    /s/ Ronald RomeoPrint Name:
    
    Ronald RomeoPrint Title:
    
    Vice President




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EXHIBIT A
TO SEVENTH AMENDMENT TO
FOURTH AMENDED AND RESTATED LOAN AGREEMENT
 REPLACEMENT ANNEX J
 FOURTH AMENDED AND RESTATED LOAN AGREEMENT
 Revolving Loan
    
    Revolving LoanCommitment as
    
    Commitment as
    
    Revolving Loanof December 31,
    
    of March 31,
    
    Commitment as2008 through
    
    2009 through
    
    of June 30, 2009Lender
    
    March 30, 2009
    
    June 29, 2009
    
    and thereafterIsrael Discount
Bank of New York
    
    $
    23,142,857.14
    
    
    $
    21,857,142.86
    
    
    $
    20,571,428.58Middle Market
Finance, a division
of Merrill Lynch
Business Financial
Services Inc.
    
    $
    15,428,571.43
    
    
    $
    14,571,428.57
    
    
    $
    13,714,285.71Bank Leumi USA
    
    $
    10,285,714.29
    
    
    $
    9,714,285.71
    
    
    $
    9,142,857.14BMO Capital Markets
Financing, Inc.
    
    $
    18,000,000.00
    
    
    $
    17,000,000.00
    
    
    $
    16,000,000.00The Berkshire Bank
    
    $
    5,142,857.14
    
    
    $
    4,857,142.86
    
    
    $
    4,571,428.57Signature Bank
    
    $
    10,285,714.29
    
    
    $
    9,714,285.71
    
    
    $
    9,142,857.14Provident Bank
    
    $
    7,714,285.71
    
    
    $
    7,285,714.29
    
    
    $
    6,857,142.86Total
    
    $
    90,000,000.00
    
    
    $
    85,000,000.00
    
    
    $
    80,000,000.00