Document:

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Exhibit 10.31

                           SIXTH AMENDMENT AND CONSENT
                                       TO
                   FIFTH AMENDED AND RESTATED CREDIT AGREEMENT

         THIS SIXTH AMENDMENT AND CONSENT, dated as of March 14, 2001, (this
"Amendment") to FIFTH AMENDED AND RESTATED CREDIT AGREEMENT, dated as of
December 31, 1999, as amended pursuant to that certain First Amendment to the
Fifth Amended and Restated Credit Agreement, dated as of March 24, 2000, as
further amended pursuant to that certain Second Amendment and Waiver to Fifth
Amended and Restated Credit Agreement, dated as of October 26, 2000, as further
amended pursuant to that certain Third Amendment to Fifth Amended and Restated
Credit Agreement and Commitment for Subfacility Amendment to Fifth Amended and
Restated Credit Agreement, dated as of December 15, 2000, as further amended
pursuant to that certain Fourth Amendment to Fifth Amended and Restated Credit
Agreement, dated as of January 23, 2001, and as further amended pursuant to that
certain Fifth Amendment to Fifth Amended and Restated Credit Agreement, dated as
of February 20, 2001 (as so amended, the "Current Credit Agreement", and, as the
same may be further amended, from time to time, the "Credit Agreement") by and
between NCO GROUP, INC., a Pennsylvania corporation, THE LENDERS LISTED ON THE
SIGNATURE PAGES HERETO, MELLON BANK, N.A., a national banking association for
itself and as Administrative Agent and Collateral Agent for the Issuer, and the
other Lenders. Capitalized terms used in this Amendment are used as defined in
the Credit Agreement unless otherwise defined herein.

         WHEREAS, the Borrower has notified the Lenders of its desire to issue
unsecured, convertible, subordinated notes in an amount not to exceed
$175,000,000 (the "Subordinated Notes");

         WHEREAS, the Borrower has requested that the Lenders (i) amend the
Current Credit Agreement to increase the maximum Indebtedness permitted under
subordinated notes from $150,000,000 to $175,000,000, and (ii) consent to the
issuance of the Subordinated Notes on the terms described herein; and

         WHEREAS, the Lenders are willing to provide for the amendment and
consent requested by the Borrower on the terms and conditions set forth below;

         NOW, THEREFORE, in consideration of the premises and of the mutual
covenants herein contained and intending to be legally bound hereby, the
Borrower and the Lenders agree as follows:

         1. Amendments to Credit Agreement. The Current Credit Agreement is
amended in each of the following respects.

<PAGE>

            a. Increased Amount. Paragraph (i) of Section 6.3 of the Current
Credit Agreement is amended by replacing "$150,000,000" in the first line
thereof with "$175,000,000".

            b. Designated Senior Indebtedness Legend. The Current Credit
Agreement is amended by adding a legend thereto saying the following:

               "ALL OBLIGATIONS HEREUNDER CONSTITUTE DESIGNATED SENIOR
               INDEBTEDNESS WITHIN THE MEANING OF ANY INDENTURES RESPECTING
               SUBORDINATED INDEBTEDNESS OF THE COMPANY".

            c. Additional Event of Default. Paragraph (n) of Section 7.1 of the
Current Credit Agreement (Events of Default) is amended in its entirety to read
as follows:

               "(n) A Change of Management shall have occurred; or a "Change of
               Control" (as such term is defined in any Indenture that the
               Company has entered into or may enter into, with respect to
               subordinated Indebtedness) shall have occurred".

         2. Consent. In accordance with Section 6.3(i) of the Credit Agreement,
as hereby amended, the Administrative Agent and the Majority Lenders hereby
consent to the issuance by the Borrower of Subordinated Notes on substantially
the terms set forth in the draft Indenture distributed to the Lenders
concurrently herewith naming Bankers Trust as Trustee, delivered to the Lenders
prior to the date hereof, or any subsequent Indenture with similar terms issued
within six months of the date hereof, in each case, with such revisions thereto
as are approved by the Administrative Agent.

         3. Representations and Warranties. The Borrower represents and warrants
to the Lenders as follows:

            a. Credit Agreement. Each of the representations and warranties
contained in the Credit Agreement is accurate on and as of the date hereof.

            b. No Defaults. As of the date hereof, no Default or Event of
Default exists.

         4. Continuing Effectiveness of Credit Agreement and Other Loan
Documents. Subject to the amendments provided herein, the Credit Agreement and
each other Loan Document remains in full force and effect and is hereby
ratified.

         5. Effectiveness. This Amendment shall be effective when the Borrower,
the Majority Lenders, the Administrative Agent and the Collateral Agent have
executed a counterpart hereto.

                                       -2-
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         6. Counterparts. This Amendment may be executed in any number of
counterparts, each of which shall be an original and all of which, when taken
together, shall constitute one instrument. A facsimile of a signed counterpart
shall be deemed to be an original for all purposes.

                        [Signatures begin on next page.]

                                       -3-

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         IN WITNESS WHEREOF, the parties hereto have executed this Amendment as
of the date first above written.

                                           NCO GROUP, INC.

                                           By: _________________________________
                                               Michael J. Barrist,
                                               as President

                        Signature Page to Sixth Amendment
                       and Consent to NCO Credit Agreement
<PAGE>

                                          MELLON BANK, N.A.,
                                          for itself and as Administrative Agent
                                          and as Collateral Agent

                                          By:___________________________________
                                             Liam M. Brickley
                                             Vice President

                        Signature Page to Sixth Amendment
                       and Consent to NCO Credit Agreement
<PAGE>

                                                  PNC BANK, NATIONAL ASSOCIATION

                                                  By:___________________________
                                                       Name:
                                                       Title:

                        Signature Page to Sixth Amendment
                       and Consent to NCO Credit Agreement

<PAGE>

                                                  BANK OF AMERICA, N.A.

                                                  By:___________________________
                                                       Name:
                                                       Title:

                        Signature Page to Sixth Amendment
                       and Consent to NCO Credit Agreement
<PAGE>

                                                  FIRST UNION NATIONAL BANK

                                                  By:___________________________
                                                      Name:
                                                      Title:

                        Signature Page to Sixth Amendment
                       and Consent to NCO Credit Agreement

<PAGE>

                                                  SUNTRUST BANK

                                                  By:___________________________
                                                       Name:
                                                       Title:

                        Signature Page to Sixth Amendment
                       and Consent to NCO Credit Agreement
<PAGE>

                                                  UNION BANK OF CALIFORNIA, N.A.

                                                  By:___________________________
                                                      Name:
                                                     Title:

                        Signature Page to Sixth Amendment
                       and Consent to NCO Credit Agreement
<PAGE>

                                              NATIONAL CITY BANK OF PENNSYLVANIA

                                              By:_______________________________
                                                   Name:
                                                   Title:

                        Signature Page to Sixth Amendment
                       and Consent to NCO Credit Agreement
<PAGE>

                                              SUMMIT BANK

                                              By:_______________________________
                                                   Name:
                                                   Title:

                        Signature Page to Sixth Amendment
                       and Consent to NCO Credit Agreement
<PAGE>

                                                      PROVIDENT BANK OF MARYLAND

                                                      By:_______________________
                                                          Name:
                                                          Title:

                        Signature Page to Sixth Amendment
                       and Consent to NCO Credit Agreement
<PAGE>

                                                 MANUFACTURERS AND TRADERS TRUST
                                                 COMPANY

                                                 By:____________________________
                                                      Name:
                                                      Title:

                        Signature Page to Sixth Amendment
                       and Consent to NCO Credit Agreement
<PAGE>

                                                 FLEET NATIONAL BANK

                                                 By:____________________________
                                                      Name:
                                                      Title:

                        Signature Page to Sixth Amendment
                       and Consent to NCO Credit Agreement
<PAGE>

                                                 CITIZENS BANK OF MASSACHUSETTS

                                                 By:____________________________
                                                      Name:
                                                      Title:

                        Signature Page to Sixth Amendment
                       and Consent to NCO Credit Agreement
<PAGE>

                                                 CHEVY CHASE BANK, F.S.B.

                                                 By:____________________________
                                                       Name:
                                                       Title:

                        Signature Page to Sixth Amendment
                       and Consent to NCO Credit Agreement
<PAGE>

                                                 IBM CREDIT CORPORATION

                                                 By:____________________________
                                                       Name:
                                                       Title:

                        Signature Page to Sixth Amendment
                       and Consent to NCO Credit Agreement
<PAGE>

                                                 BANK AUSTRIA CREDITANSTALDT
                                                 CORPORATE FINANCE, INC.

                                                 By:____________________________
                                                       Name:
                                                       Title:

                                                 By:____________________________
                                                       Name:
                                                       Title:

                        Signature Page to Sixth Amendment
                       and Consent to NCO Credit Agreement
<PAGE>

                                                 FIRSTAR BANK, N.A.

                                                 By:____________________________
                                                      Name:
                                                      Title:

                        Signature Page to Sixth Amendment
                       and Consent to NCO Credit Agreement
<PAGE>

                                    EXHIBIT A
                               Offering Memorandum

                                  See attached.

                        Signature Page to Sixth Amendment
                       and Consent to NCO Credit Agreement<PAGE>

Exhibit 10.32

                                                      Mellon Corporate Financing
                                                           Mellon Gateway Center
                                                   3025 Chemical Road, Suite 300
                                                 Plymouth Meeting, PA 19462-1739

                                                           (610) 941-8401 Office
                                                              (610) 941-4136 FAX
                                                          brickley.lm@mellon.com
                                                          ----------------------

                                                                Liam M. Brickley
                                                                  Vice President
                                                               Mellon Bank, N.A.

September 24, 2001

Members of the NCO Bank Group

                                  Re: SEVENTH AMENDMENT to the Fifth Amended and
                                  Restated Credit Agreement, dated as of
                                  December 31, 1999 as previously amended among
                                  NCO Group, Inc. (the "Borrower"), Mellon Bank,
                                  N.A. as Administrative Agent and the Lenders
                                  referred to therein (the "Current Credit
                                  Agreement")

Dear Lenders:

The Borrower has requested an amendment (this "Seventh Amendment") to the
Current Credit Agreement to permit treasury stock purchases.

Due to the recent price instability in the equity markets and the sharp decline
in its stock price (from $30/sh on 7/01/01 to $15/sh on 9/21/01), management at
the Borrower has requested that the bank group amend the Current Credit
Agreement to allow the Borrower to repurchase up to one million shares of its
common stock, subject to a maximum stock repurchase of $15MM, through 3/31/02.
Stock repurchases after 3/31/02 will require a separate approval.

The Borrower has advised the Administrative Agent that at current market prices
(approximately $15/sh) the proposed share repurchase would be at a multiple of
8.5x projected 2001 EPS and approximately 3.5x projected EBITDA.

In connection therewith, the Consolidated Fixed Charge Coverage Ratio(1) would
be amended to reflect the impact of any share repurchases. With the exception of
a change in the Consolidated Fixed Charge Coverage Ratio, there will be no
change in the current financial covenants, including the Consolidated Net Worth
Covenant.

Therefore, the following amendments shall be made to the Current Credit
Agreement:

----------------------
(1) The current definition reads as follows: "Consolidated Fixed Charge Coverage
Ratio" for any period, with respect to Adjusted Consolidated NCO Group, shall
mean the ratio of (i) Consolidated EBITDA minus Capital Expenditures for such
period to (ii) the sum for such period of (a) Consolidated Interest Expense, (b)
principal payments on Indebtedness and (c) Taxes, all as determined on a
consolidated basis in accordance with GAAP.

<PAGE>

1.    Section 6.6 (Dividends and Related Distributions) is amended by adding the
      following phrase at the end thereof: "and (c) the Borrower may at any time
      and from time to time through March 31, 2002 repurchase up to one million
      shares of its common stock in the aggregate ("Share Repurchases") for an
      aggregate purchase price not to exceed $15,000,000 so long as no Default
      or Event of Default will exist at the time of any Share Repurchase or
      result from the Share Repurchase".

2.    The definition of "Consolidated Fixed Charge Coverage Ratio" in Section
      10.1 (Certain Definitions) is amended in its entirety to read as follows:

                  "Consolidated Fixed Charge Coverage Ratio" with respect to
                  Adjusted Consolidated NCO Group, shall mean the ratio,
                  calculated as of the end of each fiscal quarter for the
                  12-month period then ended, of (1) Consolidated EBITDA minus
                  Capital Expenditures minus the amount of Share Repurchases for
                  such 12-month period to (2) the sum for such 12-month period
                  of (a) Consolidated Interest Expense, plus (b) scheduled
                  principal payments on Indebtedness plus (c) Taxes, all as
                  determined on a consolidated basis in accordance with GAAP.

The preceding amendments will be effective upon receipt by the Administrative
Agent of faxed or original counterpart signature pages from the Borrower and the
Majority Lenders, and acknowledgements by the Guarantors. Subject to the
modifications set forth herein (upon their effectiveness) the Credit Agreement
and each of the other Loan Documents is hereby ratified and confirmed.

Please return the executed signature page for your respective institutions to
the undersigned, via fax at (610) 941-4136, no later than 5:00PM, Tuesday
September 25, 2001.

As always, feel free to call me (610) 941-8401 or e-mail me
(brickley.lm@mellon.com) with any questions that you may have.

Sincerely,

     MELLON BANK, as Administrative Agent, Issuer and Lender

     By:____________________
      Liam M. Brickley, Vice President
     Mellon Bank, N.A.
     Mellon Gateway Center
     3025 Chemical Road,  Suite 300
     Plymouth Meeting, PA  19422-1739

Agreed to by:

[NAME OF LENDER]

     _______________________

     Signature: ________________________

     By:  _____________________________

     Title: ____________________________

<PAGE>

BORROWER:

    NCO GROUP, INC.

    By:____________________________
         Name:  Michael J. Barrist
         Title: President

Acknowledged by:

GUARANTORS:

    NCO FINANCIAL SYSTEMS, INC.
    NCO TELESERVICES, INC.
    NCO HOLDINGS, INC.
    NCO FUNDING, INC.
    FCA FUNDING, INC.
    ASSETCARE, INC.
    JDR HOLDINGS, INC.
    JDR RECOVERY CORPORATION
    COMPASS INTERNATIONAL SERVICES CORPORATION
    INTERNATIONAL ACCOUNT SYSTEMS, INC.
    DELIVERY VERIFICATION SERVICE, INC.
    COMPASS TELESERVICES, INC.
    NCO BENEFIT SYSTEMS, INC.

    By:____________________________
    Name:  Michael J. Barrist
    Title: President of each of the above
           entities on behalf of each of the
           above entities

    FINANCIAL COLLECTION AGENCIES, INC. (PUERTO RICO)
    FCA LEASING, INC.

    By:____________________________
    Name:  Steven Winokur
    Title: Treasurer of each of the above entities
    on behalf of each of the above entities

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