<PAGE>
                                                                  Exhibit 10.2

                            AMENDMENT NO. 3 TO THE
                               CREDIT AGREEMENT

                                                      Dated as of April 13, 2000

          AMENDMENT NO. 3 TO THE CREDIT AGREEMENT among Telespectrum Worldwide,
Inc., a Delaware corporation (the "BORROWER"), the banks, financial institutions
and other institutional lenders parties to the Credit Agreement referred to
below (collectively, the "LENDERS"), Banque Nationale de Paris, as collateral
agent (the "AGENT") and Bank of America, N.A., as administrative agent (the
"ADMINISTRATIVE AGENT") for the Lenders.

          PRELIMINARY STATEMENTS:

          (1) The Borrower, the Lenders, the Agent and the Administrative Agent
have entered into a Credit Agreement dated as of June 30, 1999 ( as amended,
supplemented or otherwise modified through the date hereof, the "CREDIT
AGREEMENT").  Capitalized terms not otherwise defined in this Amendment have the
same meanings as specified in the Credit Agreement.

          (2) The Borrower, the Required Lenders and all the Working Capital
Lenders have agreed to amend the Credit Agreement as hereinafter set forth.

          SECTION 1.  Amendments to Credit Agreement.  The Credit Agreement is,
                      ------------------------------
effective as of the date hereof and subject to the satisfaction of the
conditions precedent set forth in Section 2, hereby amended as follows:

          (a) The definition of "Fixed Charge Coverage Ratio" in Section 1.01 is
hereby amended by inserting at the end thereof the following new language:

          ";provided, however, that solely in respect of the Rolling Periods
          ending in March 2000, June 2000 and September 2000, exclusively, Fixed
Charge Coverage Ratio shall men, with respect to the Borrower, the ratio of (a)
Consolidated EBITDA for the Borrower and its Subsidiaries for each of such
Rolling Periods less income taxes of the Borrower and its Subsidiaries that have
                ----
been paid in cash during each of such Rolling Periods to (b) the sum of (i)
Interest Expense, excluding (A) interest not payable in cash of the Borrower and
its Subsidiaries and (B) amortized financing fees paid in cash at the closing of
the Merger that would otherwise constitute Interest Expense, in each case during
each of such Rolling Periods and (ii) regularly scheduled principal payments of
Funded Debt (excluding principal

                                       1
<PAGE>

        payments of MDC Subordinated Debt) of the Borrower and its Subsidiaries
        made during each of such Rolling Periods".

        (b) Section 5.04(a) is hereby amended by (i) replacing the following
language in subsection (i) thereof

        --------------------------------------------
        "February 2000                    3.00:1.00
         March 2000                       3.00:1.00"
        --------------------------------------------

with the following

        --------------------------------------------
        "February 2000                    3.10:1.00
         March 2000                       3.55:1.00"
        --------------------------------------------

and (ii) replacing the following language in subsection (ii) thereof

        --------------------------------------------
        "June 2000                        3.00:1.00
         September 2000                   3.00:1.00"
        --------------------------------------------

with the following

        --------------------------------------------
        "June 2000                        3.70:1.00
         September 2000                   3.70:1.00"
        --------------------------------------------

        (c) Section 5.04(b) is hereby attended in full to read as follows:

        "(b) Fixed Charge Coverage Ratio.  Maintain on a Consolidated basis for
             ----------------------------
itself and its Subsidiaries a Fixed Charge Ratio (i) for each Rolling Period set
forth below of not less than the ratio set forth below for such Rolling Period
determined as of the last of each month ending the following Rolling Periods:

        --------------------------------------------
        March 2000                        1.65:1.00
        --------------------------------------------
        June 2000                         1.55:1.00
        --------------------------------------------
        September 2000                    1.45:1.00
        --------------------------------------------

        or (ii) thereafter through December 2003, determined as of the last day
        of each fiscal quarter ending in such Rolling Period, in each and every
        such case, of not less that 1.10:1.00."

                               2
<PAGE>

        (d) Section 5.04(c) is hereby amended by replacing the following
language set out in the table

        --------------------------------------------
        "June 2000                        3.50:1.00
         September 2000                   3.50:1.00"
        --------------------------------------------

with the following

        --------------------------------------------
        "June 2000                        3.00:1.00
         September 2000                   2.75:1.00"
        --------------------------------------------

        (e) Section 5.04(d) is hereby amended by replacing the amount
"$32,5000,000 set out in the table with the new amount of "$25,000,000".

        (f) Schedule I thereto is replaced in full by Schedule I hereto.

        SECTION 2. Conditions of Effectiveness.  This Amendment shall become
                   ----------------------------
effective as of the date first above written (the "Effective Date") when, and
only when, the following conditions precedent have been satisfied:

        (a) The Agent shall have received on or before the Effective Date, in
form and substance satisfactory to the Agent and in sufficient copies for each
Lender Party:

                (i) counterparts of this Amendment executed by the Borrower and
the Required Lenders and each Working Capital Lender or, as to any of the
Lenders, advice satisfactory to the Agent that such Lender has executed this
Amendment;

                (ii) the consent attached hereto executed by each Guarantor
(the "Consent");

                (iii) a certified copies of (i) the resolutions of the Board of
Directors of (A) the Borrower approving this Amendment and the matters
contemplated hereby, and (B) each Guarantor approving the Consent and the
matters contemplated thereby, and (ii) all documents evidencing other necessary
corporate action and governmental approvals, if any, with respect to this
Amendment, the Consent and the matters contemplated hereby and thereby;

        (iv) a certificate of the Secretary or an Assistant Secretary of each
Loan Party certifying the names and true signatures of the officers of such
Persons authorized to sign this Amendment and the Consent and the other
documents to be delivered hereunder; and

                                       3

<PAGE>
                (v) a favorable opinion of Morgan, Lewis & Bockius, counsel
        for the Borrower, as to the due execution, validity and enforceability
        of this Amendment, the Loan Documents (as by this Amendment), and the
        Consent and as to such other matters as any Lender through the Agent may
        reasonably request.

        (b) All governmental and third party consents and approvals necessary in
connection with the transactions contemplated hereby shall have been obtained
(without the imposition of any conditions that are not acceptable not he
Lenders) and shall remain in effect, and no law or regulation shall be
applicable in the reasonable judgement of the Lenders that restrains, prevents
or imposes materially adverse conditions upon the transactions contemplated
herby.

        (c) On the Effective Date, the following statements shall be true and
the Agent shall have received a certificate signed by a duly authorized officer
of the Borrower, dated the Effective Date, stating that:

                (i) the representations and warranties contained in Section 4.01
        of the Credit Agreement ar correct on and as of the Effective Date; and

                (ii) no Default exists under the Credit Agreement;

        (d) The Borrower shall have paid to the Agent for the account of each
Lender that executes this Amendment an amendment fee equal to 0.25% on the sum
of the Commitments of each such Lender.

        (e) The Borrower shall have paid all costs and expenses required under
Section 5 hereof.

        This Amendment is subject to the provisions of Section 8.01 of the
Credit Agreement.

        SECTION 3. Representations and Warranties of the Borrower.  The Borrower
                   -----------------------------------------------
represents and warrants as follows:

        (a) The Borrower is a corporation duly organized, validly existing and
in good standing under the laws of the jurisdiction indicated in the recital of
parties to this Amendment.

        (b) The execution, delivery and performance by the Borrower of this
Amendment and the Loan Documents, as amended hereby, to which it is or is to be
a party, and the consummation of the transactions contemplated hereby, are
within the Borrower's corporate powers, have been duly authorized by all
necessary corporate action

                                       4
<PAGE>

        and do not (i) contravene the Borrower's charter or by-laws, (ii)
        violate any law, rule or regulation (including, without limitation,
        Regulation X of the Board of Governors of the Federal Reserve System),
        or any order, writ, judgment, injunction, decree, determination or
        award, (iii) conflict with or result in the breach of, or constitute a
        default under, any contract, loan agreement, indenture, mortgage, deed
        of trust, lease or other instrument binding on or affecting any Loan
        Party, any of its Subsidiaries or any of their properties or (iv) except
        for the Liens created under Loan Documents, result in or require the
        creation or imposition of any Lien upon or with respect to any of the
        properties of any Loan Party or any of its Subsidiaries.

                (c) No authorization or approval or other action by, and no
        notice to or filing with, any governmental authority or regulatory body
        or any other third party is required for the due execution, delivery or
        performance by the Borrower of this Amendment or any of the Loan
        Documents, as amended hereby, to which it is or is to be a party.

                (d) This Amendment has been duly executed and delivered by the
        Borrower. This amendment and each of the other Loan Documents, as
        amended hereby, to which the Borrower is a party are legal, valid and
        binding obligations of the Borrower, enforceable against the Borrower in
        accordance with their respective terms.

                (e) There is no action, suit, investigation, litigation or
        proceeding affecting any Loan Party or any of its Subsidiaries,
        including any Environmental Action, pending or threatened before any
        court, governmental agency or arbitrator that (i) could be reasonably
        likely to have a Material Adverse Effect (other than as set forth on
        Schedule 4.01(j) to the Credit Agreement) or (ii) purports to affect the
        legality, validity or enforceability of this Amendment or any of the
        other Loan Documents, as amended hereby, or the consummation of any of
        the transactions contemplated hereby.

                (f) The representations and warranties contained in each Loan
        Document are true and correct on and as of the date of the Amendment,
        other than any such representations or warranties that, by their terms,
        refer to a specific date other than the date of this Amendment, in which
        case as of such specific date.

                (g) No Defaults exists under the Credit Agreement.

        SECTION 4. Reference to and Effect on the Credit Agreement and the Loan
                   ------------------------------------------------------------
Documents. (a) On and after the effectiveness of this Amendment, each reference
---------
in the Credit Agreement to "this Agreement", "hereunder", "hereof" or words of
like import referring to the Credit Agreement, and each reference in the Notes
and each of the other Loan Documents to "the Credit Agreement", "thereunder",
"thereof" or words of like import referring to the Credit Agreement, shall mean
and be a reference to the Credit Agreement, as amended by this Amendment.

                                       5
<PAGE>

        (b) The Credit Agreement, the Notes and each of the other Loan
Documents, as specifically amended by this Amendment, are and shall continue to
be in full force and effect and are hereby in all respects ratified and
confirmed. Without limiting the generality of the foregoing, the Collateral
Documents and all of the Collateral described therein do and shall continue to
secure the payment of all Obligations of the Loan Parties under the Loan
Documents, in each case as amended by this Amendment.

        (c) The execution, delivery and effectiveness of this Amendment shall
not, except as expressly provided herein, operate as a waiver of any right,
power or remedy of any Lender or the Agent under any of the Loan Documents, nor
constitute a waiver of any provision of any of the Loan Documents.

        SECTION 5. Costs and Expenses. The Borrower agrees to pay on demand all
                   ------------------
costs and expenses of the Agent in connection with the preparation, execution,
delivery and administration, modification and amendment of this Amendment and
the other instruments and documents to be delivered hereunder (including,
without limitation, the reasonable fees and expenses of counsel for the Agent)
in accordance with the terms of Section 8.04 of the Credit Agreement.

        SECTION 6. Execution in Counterparts. This Amendment may be executed in
                   -------------------------
any number of counterparts and by different parties hereto in separate
counterparts, each of which when so executed shall be deemed to be an original
and all of which taken together shall constitute but one and the same agreement.
Delivery of an executed counterpart of a signature page to this Amendment by
telecopier shall be effective as delivery of a manually executed counterpart of
this Amendment.

        SECTION 7. Governing Law. This Amendment shall be governed by, and
                   -------------
construed in accordance with, the laws of the State of New York.

        IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
executed by their respective officers thereunto duly authorized, as of the date
first above written.

                                                    TELESPECTRUM WORLDWIDE, INC.


                                                    By
                                                      --------------------------
                                                      Title:


                                       6
<PAGE>

          to prepay Term D Advances owing to Term D Lenders other than to Term D
          Lenders that are Declining Lenders and any amounts that would
          otherwise have been applied to prepay Term D Advances owing to Term D
          Lenders that are Declining Lenders shall instead be applied ratably to
          prepay, first, the remaining Term A Advances, second, the remaining
          Term B Advances (other than Term B Advances owing to Term B Lenders
          that are Declining Lenders), and third, the remaining Term C Advances
          (other than Term C Advances owing to Term C Lenders that are Declining
          Lenders), (ii) an amount equal to that portion of the Prepayment
          Amount available to prepay Term C Lenders (less any amounts that would
          otherwise be payable to Term C Lenders that are Declining Lenders)
          shall be applied to prepay Term C Advances owing to Term C Lenders
          other than to Term C Lenders that are Declining Lenders and any
          amounts that would otherwise have been applied to prepay Term C
          Advances owing to Term C Lenders that are Declining Lenders shall
          instead be applied ratably to prepay, first, the remaining Term A
          Advances, and second, the remaining Term B Advances (other than Term B
          Advances owing to Term B Lenders that are Declining Lenders), and
          (iii) an amount equal to that portion of the Prepayment Amount
          available to prepay Term B Lenders (less any amounts that would
          otherwise be payable to Term B Lenders that are Declining Lenders)
          shall be applied to prepay Term B Advances owing to Term B Lenders
          other than Term B Lenders that are Declining Lenders and any amounts
          that would otherwise have been applied to prepay Term B Advances owing
          to Term B Lenders that are Declining Lenders shall instead be applied
          ratably to prepay the remaining Term A Advances, in the case of each
          of clauses (i) and (ii) hereof as provided in Sections 2.06(a) and
          (b); provided further that on prepayment in full of Term Advances
          owing to Term Lenders other than Declining Lenders, the remainder of
          any Prepayment Amount shall be applied ratably to prepay Term Advances
          owing to Declining Lenders.

          (q) Section 2.08(a) is amended by adding "or unused Revolving Credit
     Commitment" after "Unused Working Capital Commitment".

          (r)  Section 2.15(a) is amended by:

               (i) adding ", Term D Note, Revolving Credit Note" after "Term C
               Note";

               (ii) adding ", the Term D Commitment, the Working Capital
               Commitment" after " Term C Commitment'.

          (s) Section 2.15(d) is amended by adding ", Term D Notes, Revolving
     Credit Notes" after "Term C Notes".

          (t) Section 3.02(iii) is amended by adding ", Revolving Credit
     Advance" after "Working Capital Advance," and by adding " plus Revolving
     Credit Advances" after "Working Capital Advances".

          (u) A new Section 3.02(iv) is added as follows:

                                       7
<PAGE>

               "(iv)  for each Revolving Credit Advance, the aggregate Unused
          Working Capital Commitments of the Working Capital Lenders is less
          than $1,000,000;".

          (v) Section 7.05(a) is amended by adding "and (e) their respective
     unused Revolving Credit Commitments" after "(d) their respective Unused
     Working Capital Commitments".

          (w) Schedule I is replaced in full by Schedule I in the form attached
          hereto.

          (q) New Exhibits A-5, A-6, B and G are added in the form of each such
     Exhibit attached hereto.

          SECTION 2.  Conditions of Effectiveness.  This Amendment shall become
                      ---------------------------
effective as of the date first above written (the "EFFECTIVE DATE") when, and
only when, the following conditions precedent have been satisfied:

          (a) The Agent shall have received on or before the Effective Date, in
form and substance satisfactory to the Agent and in sufficient copies for each
Lender Party:

               (i) counterparts of this Amendment executed by the Borrower and
          the Required Lenders and each Revolving Credit Lender or, as to any of
          the Lenders, advice satisfactory to the Agent that such Lender has
          executed this Amendment;

               (ii) the consent attached hereto executed by each Guarantor (the
          "CONSENT");

               (iii)  certified copies of (i) the resolutions of the Board of
          Directors of (A) the Borrower approving this Amendment and the matters
          contemplated hereby, and (B) each Guarantor approving the Consent and
          the matters contemplated thereby, and (ii) all documents evidencing
          other necessary corporate action and governmental approvals, if any,
          with respect to this Amendment, the Consent and the matters
          contemplated hereby and thereby;

               (iv) a certificate of the Secretary or an Assistant Secretary of
          each Loan Party certifying the names and true signatures of the
          officers of such Persons authorized to sign this Amendment and the
          Consent and the other documents to be delivered hereunder; and

               (v) a favorable opinion of Morgan, Lewis & Bockius LLP, counsel
          for the Borrower, as to the due execution, validity and enforceability
          of this Amendment, the Loan Documents (as amended by this Amendment),
          and the Consent and as to such other matters as any Lender through the
          Agent may reasonably request.

          (b) All governmental and third party consents and approvals necessary
in connection with the transactions contemplated hereby shall have been obtained
(without the imposition of any conditions that are not acceptable to the
Lenders) and shall remain in effect,

                                       8
<PAGE>

and no law or regulation shall be applicable in the reasonable judgement of the
Lenders that restrains, prevents or imposes materially adverse conditions upon
the transactions contemplated hereby.

          (c) On the Effective Date, the following statements shall be true and
the Agent shall have received a certificate signed by a duly authorized officer
of the Borrower, dated the Effective Date, stating that:

               (i) the representations and warranties contained in Section 4.01
          of the Credit Agreement are correct on and as of the Effective Date;
          and

               (ii) no Default exists under the Credit Agreement.

          (d) The Borrower shall have paid to the Agent for the account of each
Lender that executes this Amendment an amendment fee equal to 0.25% on the sum
of the Commitments of each such Lender.

          (e) The Borrower shall have paid all costs and expenses required under
Section 5 hereof.

          This Amendment is subject to the provisions of Section 8.01 of the
Credit Agreement.

          SECTION 3.  Representations and Warranties of the Borrower.  The
                      ----------------------------------------------
Borrower represents and warrants as follows:

          (a) The Borrower is a corporation duly organized, validly existing and
     in good standing under the laws of the jurisdiction indicated in the
     recital of parties to this Amendment.

          (b) The execution, delivery and performance by the Borrower of this
     Amendment and the Loan Documents, as amended hereby, to which it is or is
     to be a party, and the consummation of the transactions contemplated
     hereby, are within the Borrower's corporate powers, have been duly
     authorized by all necessary corporate action and do not (i) contravene the
     Borrower's charter or by-laws, (ii) violate any law, rule or regulation
     (including, without limitation, Regulation X of the Board of Governors of
     the Federal Reserve System), or any order, writ, judgment, injunction,
     decree, determination or award, (iii) conflict with or result in the breach
     of, or constitute a default under, any contract, loan agreement, indenture,
     mortgage, deed of trust, lease or other instrument binding on or affecting
     any Loan Party, any of its Subsidiaries or any of their properties or (iv)
     except for the Liens created under Loan Documents, result in or require the
     creation or imposition of any Lien upon or with respect to any of the
     properties of any Loan Party or any of its Subsidiaries.

          (c) No authorization or approval or other action by, and no notice to
     or filing with, any governmental authority or regulatory body or any other
     third party is required for the due execution, delivery or performance by
     the Borrower of this Amendment or any of the Loan Documents, as amended
     hereby, to which it is or is to be a party.

                                       9
<PAGE>

          (d) This Amendment has been duly executed and delivered by the
     Borrower.  This Amendment and each of the other Loan Documents, as amended
     hereby, to which the Borrower is a party are legal, valid and binding
     obligations of the Borrower, enforceable against the Borrower in accordance
     with their respective terms.

          (e) There is no action, suit, investigation, litigation or proceeding
     affecting any Loan Party or any of its Subsidiaries, including any
     Environmental Action, pending or threatened before any court, governmental
     agency or arbitrator that (i) could be reasonably likely to have a Material
     Adverse Effect (other than as set forth on Schedule 4.01(j) to the Credit
     Agreement) or (ii) purports to affect the legality, validity or
     enforceability of this Amendment or any of the other Loan Documents, as
     amended hereby, or the consummation of any of the transactions contemplated
     hereby.

          (f) The representations and warranties contained in each Loan Document
     are true and correct on and as of the date of the Amendment, other than any
     such representations or warranties that, by their terms, refer to a
     specific date other than the date of this Amendment, in which case as of
     such specific date.

          (g) No Defaults exists under the Credit Agreement.

          SECTION 4.  Reference to and Effect on the Credit Agreement and the
                      -------------------------------------------------------
Loan Documents.  (a)  On and after the effectiveness of this Amendment, each
--------------
reference in the Credit Agreement to "this Agreement", "hereunder", "hereof" or
words of like import referring to the Credit Agreement, and each reference in
the Notes and each of the other Loan Documents to "the Credit Agreement",
"thereunder", "thereof" or words of like import referring to the Credit
Agreement, shall mean and be a reference to the Credit Agreement, as amended by
this Amendment.

          (b) The Credit Agreement, the Notes and each of the other Loan
Documents, as specifically amended by this Amendment,  are and shall continue to
be in full force and effect and are hereby in all respects ratified and
confirmed.  Without limiting the generality of the foregoing, the Collateral
Documents and all of the Collateral described therein do and shall continue to
secure the payment of all Obligations of the Loan Parties under the Loan
Documents, in each case as amended by this Amendment.

          (c) The execution, delivery and effectiveness of this Amendment shall
not, except as expressly provided herein, operate as a waiver of any right,
power or remedy of any Lender or the Agent under any of the Loan Documents, nor
constitute a waiver of any provision of any of the Loan Documents.

          SECTION 5.  Costs and Expenses.  The Borrower agrees to pay on demand
                      ------------------
all costs and expenses of the Agent in connection with the preparation,
execution, delivery and administration, modification and amendment of this
Amendment and the other instruments and documents to be delivered hereunder
(including, without limitation, the reasonable fees and expenses of counsel for
the Agent) in accordance with the terms of Section 8.04 of the Credit Agreement.

                                       10
<PAGE>

          SECTION 6.  Execution in Counterparts.  This Amendment may be executed
                      -------------------------
in any number of counterparts and by different parties hereto in separate
counterparts, each of which when so executed shall be deemed to be an original
and all of which taken together shall constitute but one and the same agreement.
Delivery of an executed counterpart of a signature page to this Amendment by
telecopier shall be effective as delivery of a manually executed counterpart of
this Amendment.

          SECTION 7.  Governing Law.  This Amendment shall be governed by, and
                      -------------
construed in accordance with, the laws of the State of New York.

          IN WITNESS WHEREOF, the parties hereto have caused this Amendment to
be executed by their respective officers thereunto duly authorized, as of the
date first above written.

                                    TELESPECTRUM WORLDWIDE, INC.

                                                   By_____________________
                                        Title:

                                       11
<PAGE>

                                    BANQUE NATIONALE DE PARIS,
                                    as Agent and as Lender

                                                   By_____________________
                                        Title:

                                                   By_____________________
                                        Title:

                                    BANK OF AMERICA, N.A.
                                    as Administrative Agent and as Lender

                                                   By_____________________
                                        Title:

                                    BANKBOSTON, N.A.

                                                   By_____________________
                                        Title:

                                    IBJ WHITEHALL BANK & TRUST
                                     COMPANY

                                                   By_____________________
                                        Title:

                                    VAN KAMPEN PRIME RATE
                                     INCOME TRUST

                                                   By_____________________
                                        Title: Senior Vice President & Director

                                    VAN KAMPEN SENIOR FLOATING
                                     RATE FUND

                                                   By_____________________
                                        Title: Senior Vice President & Director

                                    VAN KAMPEN SENIOR
                                     INCOME TRUST

                                                   By_____________________
                                        Title: Senior Vice President & Director

                                    WELLS FARGO BANK, N.A.

                                                   By_____________________
                                        Title:

                                    FIRST SOURCE FINANCIAL LLP
                                    By First Source Financial, Inc.,
                                     its agent /manager

                                                   By_____________________
                                        Title:

                                    KZH ING-1 LLC

                                                   By_____________________
                                        Title:

                                    KZH ING-2 LLC

                                                   By_____________________
                                        Title:



                                    KZH ING-3 LLC

                                                   By_____________________
                                        Title:

                                    ARCHIMEDES FUNDING, L.L.C.
                                    By: ING Capital Advisors LLC,
                                    as Collateral Manager

                                                   By_____________________
                                        Title:

                                    ARCHIMEDES FUNDING II, LTD.
                                    By: ING Capital Advisors LLC,
                                    as Collateral Manager

                                                   By_____________________
                                        Title:




                                    FIRST DOMINION FUNDING III

                                                   By_____________________
                                        Title:


                                    CANADIAN IMPERIAL BANK OF COMMERCE

                                                   By_____________________
                                        Title:

                                       12
<PAGE>

                                    CONSENT

                                    Dated as of April __, 2000

          The undersigned, each Guarantor under either (x) the Guaranty dated as
of June 30, 1999 (the "U.S. Guaranty") in favor of the Secured Parties (as
                       -------------
defined in the Credit Agreement referred to in the foregoing Amendment) or (y)
the Guaranty dated as of June 30, 1999 (the "Canadian Guaranty" and collectively
                                             -----------------
with the U.S. Guaranty, the "Guaranties") in favor of the Secured Parties (as
                             ----------
defined in the Credit Agreement referred to in the foregoing Amendment), hereby
consents to such Amendment and hereby confirms and agrees that (a)
notwithstanding the effectiveness of such Amendment, the Guaranty to which each
of the undersigned is a party and each of the Collateral Documents is, and shall
continue to be, in full force and effect and is hereby ratified and confirmed in
all respects, except that, on and after the effectiveness of such Amendment,
each reference in each Guaranty and each of the Collateral Docuemnts to the
"Credit Agreement", "thereunder", "thereof" or words of like import shall mean
and be a reference to the Credit Agreement, as amended by such Amendment, and
(b) the Collateral Documents to which Guarantor is a party and all of the
Collateral described therein do, and shall continue to, secure the payment of
all of the Secured Obligations (in each case, as defined therein).

                                    TLSP TRADEMARKS, INC.

                                                   By_____________________
                                        Title:

                                    TELESPECTRUM GOVERNMENT
                               SERVICES, INC.

                                                   By_____________________
                                        Title:



                                    CRW FINANCIAL INC.

                                                   By_____________________
                                        Title:

                                    TELESPECTRUM WORLDWIDE
                                    (CANADA) INC.

                                                   By_____________________
                                        Title:

                                       13