Document:

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                                                                  EXHIBIT 10.11

                                THIRD AMENDMENT
                              TO CREDIT AGREEMENT

         THIS THIRD AMENDMENT TO CREDIT AGREEMENT (this "Amendment"), dated as
of September 12, 2002, is by and among PRG-Schultz USA, Inc. (formerly The
Profit Recovery Group USA, Inc.), a Georgia corporation (the "Borrower"),
PRG-Schultz International, Inc. (formerly The Profit Recovery Group
International, Inc.), a Georgia corporation (the "Parent"), each of the
Domestic Subsidiaries of the Parent (together with the Parent, the
"Guarantors"), the Lenders party thereto and Bank of America, N.A., as
Administrative Agent. All capitalized terms used herein and not otherwise
defined shall have the meanings provided in the Credit Agreement (as defined
below).

                                  WITNESSETH:

         WHEREAS, the Borrower, the Guarantors, the Lenders and the
Administrative Agent entered into that certain Credit Agreement dated as of
December 31, 2001 (as amended or modified from time to time, the "Credit
Agreement"); and

         WHEREAS, the Borrower has requested and the Required Lenders have
agreed to amend certain terms of the Credit Agreement as set forth below;

         NOW, THEREFORE, in consideration of the agreements contained herein
and other good and valuable consideration, the parties hereby agree as follows:

         1.       Amended Definition. The definition of "Fixed Charge Coverage
Ratio" set forth in Section 1.1 of the Credit Agreement is hereby amended and
restated in its entirety to read as follows:

                  "Fixed Charge Coverage ratio" means, as of the end of each
         fiscal quarter of the Consolidated Parties for the twelve month period
         ending on such date, the ratio of (a) the sum of (i) Consolidated EBIT
         for the applicable period plus (ii) Consolidated Rental Expense for the
         applicable period plus (iii) any amortization of intangible assets
         (other than accelerated amortization of goodwill required under FASB
         142) for the applicable period to (b) the sum of (i) Consolidated
         Interest Expense for the applicable period plus (ii) Consolidated
         Rental Expense for the applicable period plus (iii) any payment of cash
         dividends by the Parent to its shareholders during the applicable
         period.

         2.       Section 7.11(iv). The last sentence of Section 7.11(iv) is
amended and restated in its entirety to read as follows:

         For purposes of determining compliance with the Net Worth covenant set
         forth above, the base number of $200,000,000 set forth above shall be
         (a) reduced by the amount of any net book losses realized from the
         sale of the Logistics Division or the Groupe Alma Business, (b)
         reduced (or increased) by the amount of any "mark to market" net book
         losses (or gains) required in accordance with GAAP to be recorded
         prior to the sale of the

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         Logistics Division or any Discontinued Operation or non-cash charges
         (or gains) related to the reclassification of any such Discontinued
         Operation as "continuing" or "operating", (c) reduced by the amount of
         accelerated amortization of goodwill required under FASB 142, in each
         case occurring or incurred subsequent to September 30, 2001, (d)
         reduced by the amount of the write-off of all capitalized loan fees
         made during the period in which the Closing Date occurs and (e)
         reduced by the amount of any repurchases by the Parent of shares of
         its Capital Stock in accordance with Section 8.7 in an amount not to
         exceed $25,000,000 in the aggregate for all such repurchases occurring
         after September 12, 2002.

         3.       Section 8.7. Subsection (e) of Section 8.7 of the Credit
Agreement is hereby amended and restated in its entirety to read as follows:

          (e) so long as no Default or Event of Default exists prior to and
          after giving effect to such transaction, the Parent may repurchase
          shares of its Capital Stock and may make cash dividends to its
          shareholders, provided that, after giving effect to any such
          transaction on a pro forma basis, (A) the Senior Leverage Ratio is
          less than 1.0 to 1.0, (B) the Credit Parties are in compliance with
          the financial covenants set forth in Section 7.11 and (C) the total
          outstanding amount of Revolving Obligations is less than or equal to
          $40,000,000 (in each case as demonstrated in an officer's certificate
          in a form satisfactory to the Administrative Agent).

         4.       Schedule 6.13. Schedule 6.13 to the Credit Agreement is
hereby deemed amended to include the following information:

         PRG-Schultz Australia, Inc., a Texas corporation wholly owned by
         PRG-Schultz International, Inc., was merged into PRG-Schultz
         Australia, Inc., a Georgia corporation wholly owned by PRG-Schultz
         International, Inc.

         5.       Conditions Precedent. This Amendment shall become effective
immediately upon receipt by the Administrative Agent of each of the following,
each in form and substance satisfactory to the Administrative Agent:

                  (a)      Counterparts of this Amendment duly executed by the
         Borrower, the Guarantors, the Administrative Agent and the Required
         Lenders; and

                  (b)      For the account of each Lender who executes this
         Amendment on or before September 12, 2002, an amendment fee equal to
         0.125% of such Lender's existing Revolving Commitment.

         6.       Miscellaneous.

                  (a)      The term "Credit Agreement" as used in each of the
         Credit Documents shall hereafter mean the Credit Agreement as amended
         by this Amendment. Except as herein specifically agreed, the Credit
         Agreement, and the obligations of the Credit Parties

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         thereunder and under the other Credit Documents, are hereby ratified
         and confirmed and shall remain in full force and effect according to
         their terms.

                  (b)      The Credit Parties acknowledge and confirm (i) that
         the Administrative Agent, on behalf of the Lenders, has a valid and
         enforceable first priority security interest in the Collateral, (ii)
         that the Borrower's obligation to repay the outstanding principal
         amount of the Loans and reimburse the Issuing Lender for any drawing
         on a Letter of Credit is unconditional and not subject to any offsets,
         defenses or counterclaims, (iii) that the Administrative Agent and the
         Lenders have performed fully all of their respective obligations under
         the Credit Agreement and the other Credit Documents, and (iv) by
         entering into this Amendment, the Lenders do not waive or release any
         term or condition of the Credit Agreement or any of the other Credit
         Documents or any of their rights or remedies under such Credit
         Documents or applicable law or any of the obligations of any Credit
         Party thereunder.

                  (c)      The Credit Parties represent and warrant to the
         Lenders that (i) the representations and warranties of the Credit
         Parties set forth in Section 6 of the Credit Agreement are true and
         correct as of the date hereof and (ii) no event has occurred and is
         continuing which constitutes a Default or an Event of Default.

                  (d)      This Amendment may be executed in any number of
         counterparts, each of which when so executed and delivered shall be an
         original, but all of which shall constitute one and the same
         instrument. It shall not be necessary in making proof of this
         Amendment to produce or account for more than one such counterpart.

                  (e)      This Amendment shall be governed by and construed in
         accordance with, the laws of the State of Georgia.

                  (f)      This Amendment shall be binding upon and inure to
         the benefit of the parties hereto and their respective successors and
         assigns.

                  (g)      The Borrower and the Guarantors, as applicable,
         affirm the liens and security interests created and granted in the
         Collateral Documents and agree that this Amendment shall in no manner
         adversely affect or impair such liens and security interests.

                  (h)      Each Credit Party hereby represents and warrants as
         follows:

                           (i)      Each Credit Party has taken all necessary
                  action to authorize the execution, delivery and performance
                  of this Amendment.

                           (ii)     This Amendment has been duly executed and
                  delivered by the Credit Parties and constitutes each of the
                  Credit Parties' legal, valid and binding obligations,
                  enforceable in accordance with its terms, except as such
                  enforceability may be subject to (A) bankruptcy, insolvency,
                  reorganization,

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                  fraudulent conveyance or transfer, moratorium or similar laws
                  affecting creditors' rights generally and (B) general
                  principles of equity (regardless of whether such
                  enforceability is considered in a proceeding at law or in
                  equity).

                           (iii)    No consent, approval, authorization or
                  order of, or filing, registration or qualification with, any
                  court or governmental authority or third party is required in
                  connection with the execution, delivery or performance by any
                  Credit Party of this Amendment.

                  (i)      The Guarantors (i) acknowledge and consent to all of
         the terms and conditions of this Amendment, (ii) affirm all of their
         obligations under the Credit Documents and (iii) agree that this
         Amendment and all documents executed in connection herewith do not
         operate to reduce or discharge the Guarantors' obligations under the
         Credit Agreement or the other Credit Documents.

                  (j)      This Amendment together with the other Credit
         Documents represent the entire agreement of the parties and supersedes
         all prior agreements and understandings, oral or written if any,
         relating to the Credit Documents or the transactions contemplated
         herein and therein.

                  [remainder of page intentionally left blank]

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         Each of the parties hereto has caused a counterpart of this Amendment
to be duly executed and delivered as of the date first above written.

BORROWER:         PRG-SCHULTZ USA, INC. (formerly The Profit Recovery
                  Group USA, Inc.), a Georgia corporation

                  By: /s/ Donald E. Ellis, Jr.
                     ----------------------------------------------------------
                  Name: Donald E. Ellis, Jr.
                  Title: Executive Vice President -- Finance,
                         Chief Financial Officer and Treasurer

GUARANTORS:       PRG-SCHULTZ INTERNATIONAL, INC. (formerly The Profit
                  Recovery Group International, Inc.), a Georgia corporation

                  By: /s/ Donald E. Ellis, Jr.
                     ----------------------------------------------------------
                  Name: Donald E. Ellis, Jr.
                  Title: Executive Vice President -- Finance,
                         Chief Financial Officer and Treasurer

                  PRGFS, INC.,
                  PRGLS, INC.,
                  each a Delaware corporation

                  By: Donald E. Ellis, Jr.
                     ----------------------------------------------------------
                  Name: Donald E. Ellis, Jr.
                  Title: Executive Vice President -- Finance

                  PRGRS, INC., a Delaware corporation

                  By: John M. Cook
                     ----------------------------------------------------------
                  Name: John M. Cook
                  Title: President

                  PRG HOLDING CO. (FRANCE) NO. 1, LLC,
                  PRG HOLDING CO. (FRANCE) NO. 2, LLC,
                  each a Delaware limited liability company

                  By: Donald E. Ellis, Jr.
                     ----------------------------------------------------------
                  Name: Donald E. Ellis, Jr.
                  Title:  Executive Vice President -- Finance,
                          Chief Financial Officer and Treasurer

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GUARANTORS:       THE PROFIT RECOVERY GROUP U.K., INC.,
                  THE PROFIT RECOVERY GROUP ASIA, INC.,
                  PRG-SCHULTZ CANADA, INC. (formerly The Profit Recovery
                     Group Canada, Inc.),
                  THE PROFIT RECOVERY GROUP NEW ZEALAND, INC.,
                  THE PROFIT RECOVERY GROUP NETHERLANDS, INC.,
                  THE PROFIT RECOVERY GROUP BELGIUM, INC.,
                  THE PROFIT RECOVERY GROUP MEXICO, INC.,
                  THE PROFIT RECOVERY GROUP FRANCE, INC.,
                  PRG-SCHULTZ AUSTRALIA, INC. (formerly The Profit Recovery
                     Group Australia, Inc.),
                  THE PROFIT RECOVERY GROUP GERMANY, INC.,
                  PRG INTERNATIONAL, INC.,
                  THE PROFIT RECOVERY GROUP SWITZERLAND, INC.,
                  THE PROFIT RECOVERY GROUP SOUTH AFRICA, INC.,
                  THE PROFIT RECOVERY GROUP SPAIN, INC.,
                  THE PROFIT RECOVERY GROUP ITALY, INC.,
                  THE PROFIT RECOVERY GROUP GREECE, INC.,
                  THE PROFIT RECOVERY GROUP PORTUGAL, INC.,
                  PAYMENT TECHNOLOGIES, INC.,
                  THE PROFIT RECOVERY GROUP COSTA RICA, INC., PRG, INC.,
                  PRG USA, INC.,
                  each a Georgia corporation

                  By: /s/ Donald E. Ellis, Jr.
                     ----------------------------------------------------------
                  Name: Donald E. Ellis, Jr.
                  Title: Executive Vice President -- Finance,
                         Chief Financial Officer and Treasurer

                  HS&A ACQUISITION -- UK, INC.,
                  a Texas corporation

                  By: /s/ Donald E. Ellis, Jr.
                     ----------------------------------------------------------
                  Name: Donald E. Ellis, Jr.
                  Title: Executive Vice President -- Finance,
                         Chief Financial Officer and Treasurer

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ADMINISTRATIVE AGENT:      BANK OF AMERICA, N.A.

                           By: /s/ Scott E. Reed
                              -------------------------------------------------
                           Name: Scott E. Reed
                                -----------------------------------------------
                           Title: SVP
                                 ----------------------------------------------

LENDERS:                   BANK OF AMERICA, N.A.

                           By: /s/ Nancy S. Goldman
                              -------------------------------------------------
                           Name: Nancy S. Goldman
                                -----------------------------------------------
                           Title: Senior Vice President
                                 ----------------------------------------------

                           LASALLE BANK, NATIONAL ASSOCIATION

                           By: /s/ Sara A. Huizinga
                              -------------------------------------------------
                           Name: Sara A. Huizinga
                                -----------------------------------------------
                           Title: Commercial Banking Officer
                                 ----------------------------------------------

                           WACHOVIA BANK, NATIONAL ASSOCIATION
                           (formerly known as Wachovia Bank, N.A.)

                           By: /s/ Katherine W. Glista
                              -------------------------------------------------
                           Name: Katherine W. Glista
                                -----------------------------------------------
                           Title: Senior Vice President
                                 ----------------------------------------------<PAGE>
                                                                    Exhibit 10.1

                               NINTH AMENDMENT TO
                         RECEIVABLES PURCHASE AGREEMENT

                  This Ninth Amendment to Receivables Purchase Agreement (this
"Amendment") is entered into as of August 8, 2002, by and among Interface
Securitization Corporation, a Delaware corporation ("Seller"), Interface, Inc.,
a Georgia corporation, Jupiter Securitization Corporation ("Company") and Bank
One, NA (Main Office Chicago), as Agent and as a Financial Institution. Unless
defined elsewhere herein, capitalized terms used in this Amendment shall have
the meanings assigned to such terms in the Purchase Agreement (as defined
below).

                             PRELIMINARY STATEMENTS

                  Each of the parties hereto entered into a certain Receivables
Purchase Agreement, dated as of December 19, 2000 and as amended, restated,
supplemented or otherwise modified from time to time and in effect immediately
prior to the date hereof (the "Purchase Agreement").

                  Seller and the Servicer have requested certain amendments to
certain provisions of the Purchase Agreement and the Purchasers and the Agent
desire to make such amendments on the terms and conditions set forth herein, all
as more fully described herein.

                                    AGREEMENT

                  NOW, THEREFORE, in consideration of the premises, and for
other good and valuable consideration, the receipt and sufficiency of which are
hereby acknowledged, the parties hereto hereby agree as follows:

                  1.       Amendments. Subject to the terms and conditions set
forth herein and upon the effectiveness of this Amendment:

                           (a)      Section 8.5 of the Purchase Agreement is
hereby amended by deleting clause (i) in its entirety and renumbering clauses
(ii), (iii) and (iv) thereof as clauses (i), (ii) and (iii), respectively.

                           (b)      The definition of "Daily Report" appearing
in Exhibit I to the Purchase Agreement is hereby deleted in its entirety.
<PAGE>

                           (c)      The definition of "Dilution Reserve
Percentage" appearing in Exhibit I to the Purchase Agreement is hereby amended
and restated in its entirety to read as follows:

                  "'Dilution Reserve Percentage' means the greater of (a) 6.00%
and (b) the following:

                           (2.00 X ED + ((DS-ED) X (DS/ED))) X DHR

                           where:

                           ED = the average of the Dilution Ratios for the
                           twelve most recently-ended fiscal months;

                           DS = the highest of the average Dilution Ratios for
                           any three-fiscal-month period occurring during the
                           twelve most recently-ended fiscal months; and

                           DHR = the result of dividing the aggregate amount of
                           all net sales by the Original Sellers during the
                           prior three fiscal months by the Outstanding Balance
                           of all Eligible Receivables."

                           (d)      The definition of "Loss Percentage"
appearing in Exhibit I to the Purchase Agreement is hereby amended by replacing
the phrase "2.25 X ARR X S" contained therein with the phrase "2.0 X ARR X S".

                           (e)      Exhibit XII to the Purchase Agreement is
hereby deleted in its entirety.

                  2.       Representations and Warranties. Each of the Seller
Parties represents and warrants that, as of the date hereof, both before and
after giving effect to this Amendment:

                           (a)      all of the representations and warranties of
such Seller Party contained in the Purchase Agreement and in each other document
or certificate delivered in connection therewith are true and correct; and

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                           (b)      no Amortization Event or Potential
Amortization Event has occurred and is continuing.

                  3.       Conditions to Effectiveness of Amendments. This
Amendment shall become effective as of the date hereof upon the satisfaction of
the following conditions precedent:

                           (a)      Amendment. This Amendment shall have been
duly executed and delivered by each of the parties hereto.

                           (b)      Officer's Certificates. The Agent shall have
received a certificate, in substantially the form of Exhibit A hereto, of each
of the Seller Parties certifying as to matters set forth in Sections 2(a) and
(b) of this Amendment.

                  4.       Effect of Amendments.

                           (a)      The amendments set forth herein are
effective solely for the purposes set forth herein and shall be limited
precisely as written, and shall not be deemed to (i) be a consent to any
amendment, waiver or modification of any other term or condition of the Purchase
Agreement or of any other instrument or agreement referred to therein, or (ii)
prejudice any right or remedy that any Purchaser or the Agent may now have or
may have in the future under or in connection with the Purchase Agreement, as
amended hereby, or any other instrument or agreement referred to therein. Each
reference in the Purchase Agreement to "this Agreement," "herein," "hereof" and
words of like import and each reference in the other Transaction Documents to
the "Purchase Agreement" or "Receivables Purchase Agreement" shall mean the
Purchase Agreement, as amended hereby. This Amendment shall be construed in
connection with and as part of the Purchase Agreement and all terms, conditions,
representations, warranties, covenants and agreements set forth in the Purchase
Agreement and each other instrument or agreement referred to therein, except as
herein amended, are hereby ratified and confirmed and shall remain in full force
and effect.

                           (b)      This Amendment is a Transaction Document
executed pursuant to the Purchase Agreement and shall be construed, administered
and applied in accordance with the terms and provisions thereof.

                           (c)      Seller hereby agrees to pay all reasonable
costs, fees and expenses actually incurred in connection with the preparation,
execution and delivery

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of this Amendment (including the reasonable fees and expenses actually incurred
by counsel to the Agent and the Purchasers).

                           (d)      This Amendment may be executed in any number
of counterparts, each such counterpart constituting an original and all of which
when taken together shall constitute one and the same instrument. Delivery of an
executed counterpart of a signature page hereto by facsimile shall be effective
as delivery of an originally executed counterpart of this Amendment; provided
that each party hereto agrees to deliver to the Agent originally executed
counterparts of this Amendment on a timely basis.

                           (e)      Any provision contained in this Amendment
that is held to be inoperative, unenforceable or invalid in any jurisdiction
shall, as to that jurisdiction, be inoperative, unenforceable or invalid without
affecting the operation, enforceability or validity of the remaining provisions
of this Amendment in that jurisdiction or the operation, enforceability or
validity of such provision in any other jurisdiction.

                           (f)      THIS AMENDMENT SHALL BE GOVERNED BY, AND
CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK.

                            (SIGNATURE PAGE FOLLOWS)

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                  IN WITNESS WHEREOF, the parties hereto have caused this
Amendment to be executed and delivered by their duly authorized officers as of
the date hereof.

                                    INTERFACE SECURITIZATION CORPORATION

                                    By: /s/ Patrick C. Lynch
                                        ----------------------------------------
                                        Name:  Patrick C. Lynch
                                        Title: Vice President

                                    INTERFACE, INC.

                                    By: /s/ Patrick C. Lynch
                                        ----------------------------------------
                                        Name:  Patrick C. Lynch
                                        Title: Vice President

                                    JUPITER SECURITIZATION CORPORATION

                                    By: /s/ Sherri Gerner
                                        ----------------------------------------
                                        Name:  Sherri Gerner
                                        Title: Authorized Signatory

                                    BANK ONE, NA (MAIN OFFICE CHICAGO), as a
                                    Financial Institution and as Agent

                                    By: /s/ Sherri Gerner
                                        ----------------------------------------
                                        Name:  Sherri Gerner
                                        Title: Authorized Signatory
<PAGE>

                                    EXHIBIT A

                              OFFICER'S CERTIFICATE

         I, __________________, am the Vice President and Chief Financial
Officer of ____________, a _______ corporation (the "Applicable Party"). I
execute and deliver this Officer's Certificate, dated as of August 8, 2002, on
behalf of the Applicable Party pursuant to Section 3(b) of that certain Ninth
Amendment to Receivables Purchase Agreement (the "Amendment"), dated as of
August 8, 2002, by and among Interface Securitization Corporation, a Delaware
corporation, as Seller ("Seller"), Interface, Inc. ("Interface"), Jupiter
Securitization Corporation ("Company"), and Bank One, NA (Main Office Chicago),
as Agent and as Financial Institution, which Ninth Amendment amends certain
terms and provisions of that certain Receivables Purchase Agreement, dated as of
December 19, 2000, by and among Seller, Interface, Company and Bank One, NA
(Main Office Chicago) (as amended, restated, supplemented or otherwise modified
from time to time, the "Purchase Agreement"). Capitalized terms used in this
Officer's Certificate and not otherwise defined herein shall have the respective
meanings set forth in the Purchase Agreement.

         I hereby certify, on behalf of the Applicable Party, that, both before
and after giving effect to the Amendment, (a) as of the date hereof, no
Amortization Event or Potential Amortization Event has occurred and is
continuing and (b) the representations and warranties of the Applicable Party
contained in the Purchase Agreement and in the other Transaction Documents are
true and correct as of the date hereof.

                                     By:
                                        ----------------------------------------
                                        Name:
                                        Title:  Vice President and Chief
                                                Financial Officer

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