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                                                                    Exhibit 10.4

                      THIRD AMENDMENT TO CREDIT AGREEMENT
                      -----------------------------------

     This Third Amendment to Credit Agreement ("Amendment"), dated November 24,
1999, is entered into by and among PNC Bank, National Association ("Bank"), RMH
Teleservices, Inc. ("Borrower"), and RMH Teleservices International, Inc.
("Surety").


                                  Background
                                  ----------

     A.  Borrower and Bank are parties to a certain letter agreement, dated
March 21, 1997 (as amended, supplemented, restated or otherwise modified from
time to time, "Credit Agreement"), pursuant to which Bank established for the
benefit of Borrower a line of credit in the maximum aggregate principal amount
of Ten Million Dollars ($10,000,000).  Capitalized terms used but not otherwise
defined in this Amendment shall have the meanings given to such terms in the
Credit Agreement.

     B.  Bank and Borrower desire to modify the terms and conditions of the
Credit Agreement as more fully set forth herein.


                             Terms and Conditions
                             --------------------

     NOW, THEREFORE, with the foregoing background hereinafter incorporated by
reference, the parties hereto, intending to be legally bound, hereby covenant
and agree as follows:

     1.  Line of Credit and Use of Proceeds.  The Credit Agreement is hereby
         ----------------------------------
amended by deleting Section 1 in its entirety and replacing it with the
following:

     1.        Line of Credit and Use of Proceeds.  The first credit facility is
               ----------------------------------
         a committed revolving line of credit under which Borrower may request
         and Bank, subject to the terms and conditions of this letter, will make
         advances to the Borrower from time to time until the Expiration Date
         ("Line of Credit"). The aggregated principal amount of unpaid advances
         (including unreimbursed draws on Letters of Credit and outstanding and
         undrawn Letters of Credit) under the Line of Credit shall not, at any
         time, exceed Fifteen Million Dollars ($15,000,000). The "Expiration
         Date" means September 30, 2000, or such later date as may be designated
         by Bank by written notice to Borrower. Advances may be used for working
         capital or other general business purposes of the Borrower.

     2.   Payment of Fee.  In consideration of the agreements and undertakings
          --------------
of the Lender set forth in this Amendment, and contemporaneously with the
execution hereof, Borrower shall pay to Bank a fee of Eight Thousand Dollars
($8,000) ("Closing Fee").

     3.   Representations and Warranties.  Borrower and Surety represents and
          ------------------------------
warrants to Bank that:

          (a) the execution and delivery by Borrower and Surety of this
Amendment and
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performance by each of them of the transactions contemplated herein (i) are and
will be within the corporate powers of Borrower and Surety, as applicable, (ii)
have been authorized by all necessary corporate action of Borrower and Surety,
as applicable, and (iii) are not and will not be in contravention of any order
of any court or other agency of government, of law or any other indenture,
agreement or undertaking to which Borrower or Surety is a party or by which the
property of Borrower or Surety is bound, or be in conflict with, or result in a
breach of or

constitute (with due notice and/or lapse of time) a default under any such
indenture, agreement or undertaking or result in the imposition of any lien,
charge or incumbrance of any nature on any of the properties of Borrower or
Surety;

          (b) this Amendment and any other agreements, instruments or documents
executed and/or delivered in connection herewith, shall be valid, binding and
enforceable against Borrower and Surety in accordance with their respective
terms, except as enforceability may be limited by applicable bankruptcy,
insolvency, reorganization, moratorium and similar laws affecting the
enforcement of creditors' rights generally and by general equitable principles;

          (c) all warranties and representations contained in the Credit
Agreement and all related agreements, instruments and documents are true and
correct as of the date hereof;

          (d) no Event of Default as defined under the Note and no event which,
with the passage of time, giving of notice or both would become an Event of
Default as defined under the Note, has occurred or is existing; and

          (e) there are no outstanding loans or advances to any Subsidiary as of
the date hereof.


     4.   Conditions to Closing.  Bank's obligation to enter into this Amendment
          ---------------------
is subject to the following conditions having been satisfied in full to Bank's
satisfaction:

          (a) Execution and delivery by Borrower to Bank of this Amendment;

          (b) Execution and delivery by Borrower to Bank of a certain Committed
Line of Credit Note in the principal amount of $15,000,000, in form and
substance satisfactory to Bank;

          (c) Execution and delivery by Borrower's Secretary to Bank of a
certificate certifying a copy of the resolutions adopted by the board of
directors of Borrower authorizing the execution, delivery and performance of
this Amendment, the Second Amended and Restated Committed Line of Credit Note
and any other agreement, instrument or document required to be delivered in
connection thereof;

          (d) Payment by Borrower to Bank of the Closing Fee;

          (e) Delivery by Borrower to Bank of such other documentation or
documents as

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Bank may reasonable require;

          (f) No Event of Default as defined under the Note and no event which,
with the passage of time, giving of notice or both would become an Event of
Default as defined under the Note, has occurred or is existing; and

          (g) Payment or reimbursement by Borrower to Bank for all legal and
other expenses incurred by Bank to analyze, prepare and negotiate and conclude
this Amendment and all related agreements and transactions described herein.

     5.   Reaffirmation by Borrower.  Borrower ratifies and reaffirms all of its
          -------------------------
obligations to Bank under the Credit Agreement and related agreements,
instruments and documents and agrees that the same are owing to Bank without
defense, setoff, claim or counterclaim, of any nature.  Borrower hereby
ratifies, restates and reasserts each of the representations and warranties, and
each of the covenants, whether affirmative or negative, contained in the Credit
Agreement and all related agreements, instruments and documents and acknowledges
and agrees that all such representations and warranties, and covenants are
incorporated herein by reference and made part hereof.

     6.   Reaffirmation by Surety.  Surety, by its execution of this Amendment
          -----------------------
in its capacity as surety, reaffirms and acknowledges its obligations under the
Surety Agreement and acknowledges and agrees that it continues to be liable as
surety for all of the liabilities, debts and obligations of Borrower to Bank
under the Credit Agreement, as amended hereby.  Surety further confirms and
agrees that the terms and conditions of the Surety Agreement remains unchanged
and in full force and effect and continues to cover the indebtedness of Borrower
to Bank to the full extent set forth in the Surety Agreement.

     7.   No Waiver by Bank.  This Amendment does not and shall not be deemed to
          -----------------
constitute a waiver by Bank of any breach or violation of any representation,
warranty or covenant made or agreed to by Borrower under the Credit Agreement as
amended hereby, and all of Bank's claims and rights resulting from any such
breach or misrepresentation by Borrower, are expressly reserved by Bank.  This
Amendment does not obligate Bank to agree to any further extension or any other
modification of the Credit Agreement nor does it constitute a waiver of any
other rights or remedies of Bank.

     8.   Incorporation.  This Amendment shall amend, and is incorporated into
          -------------
and made part of, the Credit Agreement.  All reference to the Credit Agreement
shall mean the Credit Agreement as amended hereby.  To the extent that any term
or provision of this Amendment is or may be deemed expressly inconsistent with
any term or provision in the Credit Agreement, the terms and provisions hereof
shall control.  Except as expressly amended by this Amendment, all of the terms
and conditions of the Credit Agreement continue unchanged and remain in full
force and effect.

     9.   No Modification.  No modification hereof or of any agreement referred
          ---------------
to herein shall be binding or enforceable unless in writing and signed on behalf
of the party against whom enforcement is sought.

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     10.  Successor and Assigns.  This Amendment will be binding upon and inure
          ---------------------
to the benefit of the parties hereto and their respective heirs, executors,
administrators, successors and assigns.

     11.  Governing Law.  This Amendment shall be governed by, and construed and
          -------------
enforced in accordance with the laws of the Commonwealth of Pennsylvania.

     12.  Counterparts.  This Amendment may be executed in any number of
          ------------
counterparts, each of which when so executed shall be deemed to be an original
and all of which taken together shall constitute one and the same agreement.
Signature by facsimile shall also bind the parties hereto.


                 [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

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     IN WITNESS WHEREOF, the parties, intending to be legally bound, hereto have
executed this Amendment as of the date first above written.

                              Bank:
                              -----

                                 PNC Bank, National Association


                                 By: _______________________________
                                 Name:
                                 Title:



                              BORROWER:
                              ---------

                                 RMH Teleservices, Inc.


                                 By: _______________________________
                                 Name:
                                 Title:


                                 Attest: ___________________________
                                 Name:
                                 Title:



                              SURETY:
                              -------

                                 RMH Teleservices International, Inc.


                                 By: _______________________________
                                 Name:
                                 Title:


                                 Attest: ___________________________
                                 Name:
                                 Title:

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