Exhibit 4.1 (o)
                               SIXTH AMENDMENT TO
                                CREDIT AGREEMENT

     This Sixth  Amendment to Credit  Agreement,  dated as of September 30, 2003
(this "Agreement"),  is among WICKES INC., a Delaware corporation  ("Borrower"),
the  persons  set forth on the  signature  pages  hereto who are  designated  as
"Lenders",  and MERRILL  LYNCH  CAPITAL,  A DIVISION OF MERRILL  LYNCH  BUSINESS
FINANCIAL  SERVICES  INC.,  for  itself  as Lender  and as Agent for each  other
Lender.

                              W I T N E S S E T H:
                              --------------------

     WHEREAS,  Borrower,  Agent and Lenders are parties to that  certain  Credit
Agreement  dated as of February  26, 2003 (as  heretofore  amended,  the "Credit
Agreement";   capitalized   terms  not  otherwise   defined  herein  having  the
definitions provided therefor in the Credit Agreement);

     WHEREAS,  Borrower,  Agent and  Lenders  have  agreed  to amend the  Credit
Agreement in certain respects; and

     NOW,  THEREFORE,  in  consideration  of the  premises  and  other  good and
valuable  consideration,  the  receipt  and  sufficiency  of  which  are  hereby
acknowledged, Agent, Lenders and Borrower hereby agree as follows:

Amendments  to  the  Credit  Agreement.  Subject  to  the  satisfaction  of  the
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conditions  set forth in  Paragraph  2 below,  the  Credit  Agreement  is hereby
amended as follows:

The second  sentence  of  subsection  6.1(d) of the Credit  Agreement  is hereby
amended and restated in its entirety as follows:

     "Borrower shall deliver, or cause to be delivered, to Agent Deposit Account
Control Agreements duly authorized,  executed and delivered by substantially all
(as  determined  by Agent in its sole  discretion)  of the banks  where  Blocked
Accounts for the benefit of Borrower or any of its  Subsidiaries are maintained,
and by substantially  all (as determined by Agent in its sole discretion)  banks
where any other Deposit Accounts are from time to time maintained."

The final  sentence  of  subsection  6.1(d) of the  Credit  Agreement  is hereby
amended and restated in its entirety as follows:

     "Agent and Lenders agree that notwithstanding  anything contained herein to
the  contrary,   Borrower  shall  have  until  September  30,  2003  to  deliver
appropriate Deposit Account Control Agreements with respect to substantially all
(as  determined  by  Agent  in its  sole  discretion)  of the  Deposit  Accounts
maintained by Borrower."

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Conditions.  The  effectiveness  of the amendments  stated in this Agreement are
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subject to the following conditions precedent or concurrent,  each of which must
be satisfied no later than the date hereof,  failing which this Agreement  shall
be null and void:

No  Default.  No  Default or Event of Default  under the  Credit  Agreement,  as
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amended hereby, shall have occurred and be continuing.

Warranties and  Representations.  The warranties and representations of Borrower
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contained in this Agreement,  the Credit Agreement,  as amended hereby,  and the
Financing  Documents,  shall be true and correct in all material  respects as of
the date hereof, with the same effect as though made on such date, except to the
extent that such warranties and  representations  expressly relate to an earlier
date, in which case such representations and warranties shall have been true and
correct in all  material  respects  as of such  earlier  date.  Borrower  hereby
represents  and  warrants  that,  as  of  the  date  hereof,   (i)  all  of  the
representations and warranties referred to in the immediately preceding sentence
are true and correct in all material respects as of the date hereof, and (ii) no
Default or Event of Default has occurred and is continuing.

Additional  Agreements.  Reference is made to that certain  Consent Under Credit
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Agreement  dated as of September  23,  2003,  by and among  Borrower,  Agent and
Lenders (the "Consent").  Notwithstanding  anything to the contrary contained in
Paragraph 4(e) of the Consent, so long as (i) the Grand Rapids Sale occurs after
September 30, 2003 and (ii) the $1,500,000 Term Loan prepayment due on September
30, 2003 has been made,  the Net Cash Proceeds of the Grand Rapids Sale shall be
applied as follows:  (a) the Net Cash  Proceeds of the Grand Rapids Sale related
to the Grand Rapids Real  Property in the amount of at least  $700,000.00  shall
have been  delivered  to Agent  ($198,000.00  of which  shall be  applied to the
principal  of the Swap Debt and the  balance  of which  shall be  applied to the
principal of the Revolving Loans); (b) the Net Cash Proceeds of the Grand Rapids
Sale related to the Grand Rapids Equipment in the amount of at least $700,000.00
shall have been delivered to Agent for application to the Revolving  Loans;  and
(c) the Net Cash  Proceeds of the Grand  Rapids Sale related to the Grand Rapids
Inventory  in the  amount of at least the  adjusted  cost of such  Grand  Rapids
Inventory on the Closing Date of the Grand Rapids Sale shall have been delivered
to Agent for application to the principal balance of the Revolving Loans.

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Miscellaneous.
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Captions.  Section captions used in this Agreement are for convenience only, and
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shall not affect the construction of this Agreement.

Governing Law. This Agreement shall be a contract made under and governed by the
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laws of the State of Illinois,  without  regard to conflict of laws  principles.
Whenever  possible each provision of this Agreement shall be interpreted in such
manner as to be effective and valid under  applicable  law, but if any provision
of this  Agreement  shall be  prohibited  by or  invalid  under  such law,  such
provision shall be ineffective to the extent of such  prohibition or invalidity,
without invalidating the remainder of such provision or the remaining provisions
of this Agreement.

Counterparts.  This Agreement may be executed in any number of counterparts  and
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by the different  parties on separate  counterparts,  and each such  counterpart
shall be deemed to be an  original,  but all such  counterparts  shall  together
constitute but one and the same Agreement.

Successors and Assigns.  This Agreement shall be binding upon and shall inure to
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the sole benefit of Borrower,  Agent and Lenders and their respective successors
and assigns.

References.  Any  reference  to the Credit  Agreement  contained  in any notice,
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request,  certificate, or other document executed concurrently with or after the
execution  and  delivery  of this  Agreement  shall be  deemed to  include  this
Agreement unless the context shall otherwise require.

Release.   Without  limiting  the  Credit  Agreement  and  the  other  Financing
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Documents,  Borrower hereby waives any defenses to the enforcement of the Credit
Agreement and of the other Financing  Documents,  and hereby releases any claims
or causes of action  against Agent and each Lender which may now or hereafter be
available  to  Borrower  arising  out of: (i) the  administration  of the Credit
Agreement,  the other Financing  Documents or the Obligations  prior to the date
hereof  or  as  a  result  of  taking  actions  permitted  hereunder;  (ii)  the
negotiation and execution of this  Agreement;  or (iii) any other matter arising
prior to the date  hereof  and  pertaining  to the Credit  Agreement,  the other
Financing Documents or the Obligations.

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Continued Effectiveness. Notwithstanding anything contained herein, the terms of
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this  Agreement  are not intended to and do not serve to effect a novation as to
the Credit  Agreement.  The parties hereto expressly do not intend to extinguish
the Credit Agreement. Instead, it is the express intention of the parties hereto
to  reaffirm  the  indebtedness  created  under the  Credit  Agreement  which is
evidenced by the Notes and secured by the  Collateral.  The Credit  Agreement as
amended  hereby  and each of the  Financing  Documents  remain in full force and
effect.

Construction.  Borrower  acknowledges  that it has been  represented  by its own
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legal counsel in connection  with the  Financing  Documents and this  Agreement,
that  it has  exercised  independent  judgment  with  respect  to the  Financing
Documents  and this  Agreement,  and that it has not relied on the Agent's or on
Lenders' counsel for any advice with respect to the Financing  Documents or this
Agreement.


<PAGE>5



     Delivered at Chicago, Illinois, as of the day and year first above written.








                       MERRILL LYNCH CAPITAL, a division of
                         Merrill Lynch Business Financial Services Inc.,
                         as Agent, Collateral Agent, Book Manager,
                         Lead Arranger and a Lender


                       By:__________________________________________
                       Name:________________________________________
                       Title:_______________________________________


                       CONGRESS FINANCIAL CORPORATION (CENTRAL), as a Lender


                       By:__________________________________________
                       Name:________________________________________
                       Title:_______________________________________


                       THE CIT GROUP/BUSINESS CREDIT, INC., as a Lender


                       By:__________________________________________
                       Name:________________________________________
                       Title:_______________________________________


                       COMERICA BANK, as a Lender


                       By:__________________________________________
                       Name:________________________________________
                       Title:_______________________________________


                       LASALLE BUSINESS CREDIT LLC, as a Lender


                       By:__________________________________________
                       Name:________________________________________
                       Title:_______________________________________