Document:

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                                                                    Exhibit 10.2

                      SIXTH AMENDMENT TO LOAN DOCUMENTS

     THIS SIXTH AMENDMENT TO LOAN DOCUMENTS (this" Amendment") is made as of
March 20, 2001, by and between RMH Teleservices, Inc. (the "Borrower"), and PNC
BANK, NATIONAL ASSOCIATION (the "Bank").

                                  BACKGROUND

     A.  The Borrower has executed and delivered to the Bank certain loan
documents, some or all of which are more fully described on attached Exhibit A,
which is made a part of this Amendment (collectively as amended from time to
time, the "Loan Documents") which evidence the Borrower's obligations to the
Bank for one or more loans or other extensions of credit (the "Obligations").

     B.  The Borrower and the Bank desire to amend the Loan Documents as
provided for in this Amendment.

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

     1.  Certain of the Loan Documents are amended as set forth in Exhibit A. -
Any and all references to any Loan Document in any other Loan Document shall be
deemed to refer to such Loan Document as amended by this Amendment. This
Amendment is deemed incorporated into each of the Loan Documents. Any initially
capitalized terms used in this Amendment without definition shall have the
meanings assigned to those terms in the Loan Documents. To the extent that any
term or provision of this Amendment is or may be inconsistent with any term or
provision in any Loan Document, the terms and provisions of this Amendment shall
control.

     2.  The Borrower hereby certifies that: (a) all of its representations and
warranties in the Loan Documents, as amended by this Amendment, are, except as
may otherwise be stated in this Amendment: (i) true and correct as of the date
of this Amendment, (ii) ratified and confirmed without condition as if made
anew, and (iii) incorporated into this Amendment by reference, (b) no Event of
Default or event which, with the passage of time or the giving of notice or
both, would constitute an Event of Default, exists under any Loan Document, ( c)
no consent, approval, order or authorization of, or registration or filing with,
any third party is required in connection with the execution, delivery and
carrying out of this Amendment or, if required, has been obtained, and (d) this
Amendment has been duly authorized, executed and delivered so that it
constitutes the legal, valid and binding obligation of the Borrower, enforceable
in accordance with its terms. The Borrower confirms that the Obligations remain
outstanding without defense, set off, counterclaim, discount or charge of any
kind as of the date of this Amendment.

     3.  This Amendment may be signed in any number of counterpart copies and by
the parties to this Amendment on separate counterparts, but all such copies
shall constitute one and the same instrument. Delivery of an executed
counterpart of a signature page to this Amendment by facsimile transmission
shall be effective as delivery of a manually executed counterpart. Any party so
executing this Amendment by facsimile transmission shall promptly deliver a
manually executed counterpart, provided that any failure to do so shall not
affect the validity of the counterpart executed by facsimile transmission.

                                      -1-
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     4.  This Amendment will be binding upon and inure to the benefit of the
Borrower and the Bank and their respective heirs, executors, administrators,
successors and assigns.

     5.  This Amendment has been delivered to and accepted by the Bank
and will be deemed to be made in the Commonwealth of Pennsylvania. This
Amendment will be interpreted and the rights and liabilities of the parties
hereto determined in accordance with the laws of the Commonwealth of
Pennsylvania.

     6.  Except as amended hereby, the terms and provisions of the Loan
Documents remain unchanged, are and shall remain in full force and effect unless
and until modified or amended in writing in accordance with their terms, and are
hereby ratified and confirmed. Except as expressly provided herein, this
Amendment shall not constitute an amendment, waiver, consent or release with
respect to any provision of any Loan Document, a waiver of any default or Event
of Default under any Loan Document, or a waiver or release of any of the Bank's
rights and remedies (all of which are hereby reserved). The Borrower expressly
ratifies and confirms the confession of judgment and waiver of jury trial
provisions contained in the Loan Documents.

     WITNESS the due execution of this Amendment as a document under seal as of
the date first written above.

                                        RMH Teleservices, Inc.

                                        By: /s/ J. Scot Brunke (SEAL)
                                           --------------------------------
                                        Print Name: J. Scot Brunke
                                                   ------------------------
                                        Title: CFO
                                              -----------------------------

                                        PNC BANK, NATIONAL ASSOCIATION

                                        By: /s/ Karen Shoener (SEAL)
                                           --------------------------------
                                        Print Name: Karen Shoener
                                                   ------------------------
                                        Title: V P
                                              -----------------------------

                                      -2-
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                                 EXHIBIT A TO
                          AMENDMENT TO LOAN DOCUMENTS
                             DATED March 20, 2001

A.   The "Loan Documents" that are the subject of this Amendment include the
     following (as any of the foregoing have previously been amended, modified
     or otherwise supplemented):

     1.  Letter Loan Agreement dated March 21, 1997, as amended from time to
         time.

     2.  Amended and Restated Committed Line of Credit Note dated September 27,
         2000.

     3.  Working Cash, Line of Credit, Investment Sweep Rider dated September
         28,2000.

     4.  Working Cash Trust Agreement dated September 27,2000.

     5.  All other documents, instruments, agreements, and certificates executed
         and delivered in connection with the Loan Documents listed in this
         Section A.

B.   The Loan Documents are amended as follows:

     1.  Effective March 1,2001, interest on the unpaid principal balance of the
         Line of Credit shall bear interest at a variable per annum rate equal
         to, at Borrower's option in accordance with the terms of the Loan
         Documents, either a) LIBOR plus 250 basis points or b) the Base Rate
         plus 25 basis points.

     2.  Effective March 1,2001, the Letter of Credit fee shall be increased to
         one and one-half percent ( 1 1/2% ) per annum of the face amount of all
         outstanding Letters of Credit.

                                      -3-
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                             CONSENT OF GUARANTOR
     The undersigned guarantor (the "Guarantor") consents to the provisions of
the foregoing Amendment (the "Amendment':) and confirms and agrees that: (a) the
Guarantor's obligations under its Guaranty and Suretyship Agreement dated May
28, 1999 (the "Guaranty"), relating to the Obligations mentioned in the
Amendment, shall be unimpaired by the Amendment; (b ) the Guarantor has no
defenses, set offs, counterclaims, discounts or charges of any kind against the
Bank, its officers, directors, employees, agents or attorneys with respect to
the Guaranty; and ( c )all of the terms, conditions and covenants in the
Guaranty remain unaltered and in full force and effect and are hereby ratified
and confirmed and apply to the Obligations. The Guarantor certifies that all
representations and warranties made in the Guaranty are true and correct.

     The Guarantor ratifies and confirms the indemnification, confession of
judgment and waiver of jury trial provisions contained in the Guaranty.

     WITNESS the due execution of this Consent as a document under seal as of
the date of this Amendment, intending to be legally bound hereby.

                                   RMH Teleservices International, Inc.

                                   By: /s/ J. Scot Brunke  (SEAL)
                                      ----------------------------------
                                   Print Name: J. Scot Brunke
                                              --------------------------
                                   Title: CFO
                                         -------------------------------

                                      -4-<PAGE>

                                                                    Exhibit 10.3

                       AGREEMENT BETWEEN THE DEVELOPMENT
                       ---------------------------------
                        CORPORATION OF HARLINGEN, INC.
                        ------------------------------
                            RMH TELESERVICES. INC.
                            ----------------------

     On the 22nd day of September, 2000 this AGREEMENT BETWEEN THE DEVELOPMENT
CORPORATION OF HARLINGEN, INC. AND RMH TELESERVICES, INC. (hereinafter
"Agreement') was entered into by the DEVELOPMENT CORPORATION OF HARLINGEN, INC.
(hereinafter "DEVELOPMENT CORPORATION") and RMH TELESERVICES, INC., a
Pennsylvania corporation (hereinafter "RMH"), on the following terms and
conditions:

     1.  Commission Approval: This Agreement is subject to the express approval
         -------------------
of the Elective Commission of the City of Harlingen. Failure to receive such
approval shall render this Agreement null and void.

     2.  Funding: Based upon the representations, inducements and commitments by
         -------
RMH, both set forth herein and in other representations made and documents
provided to the DEVELOPMENT CORPORATION by RMH, the DEVELOPMENT CORPORATION
agrees to grant the following funding to RMH:

         The DEVELOPMENT CORPORATION shall fund up to the maximum
         aggregate amount of One Million Two Hundred Fifty Thousand
         And No/100ths Dollars ($1,250,000.00) as an incentive to
         RMH to establish its call center operations in the City of
         Harlingen, expend funds in the City, to hire and maintain
         continuously a minimum of five hundred (500) full time
         equivalent employees, and to maintain its operations here
         for a minimum of five (5) years after commencement of
         operations, payable to RMH as follows: At any time after the
         execution of this Agreement and upon presentation of a
         signed lease agreement for a minimum of (5) years and upon
         presentation of sworn statement(s) detailing RMH's hiring
         five hundred (500) new full time equivalent employees, the
         dates of their employment at the Harlingen operation, and
         the salaries and

_____________________________________________________________
Agreement Between The Development Corporation Of Harlingen,
Inc. And RMH Teleservices, Inc 8/00                                       Page 1

<PAGE>

         benefits of each new employee and that they correspond to
         the salaries and benefits represented in Exhibit "A" attached
         hereto, and that there are no plans to discharge any of these
         employees, RMH will receive up to a maximum of One Million Two
         Hundred Fifty Thousand Dollars ($1,250,000.00) payable as
         follows:

         (a)   RMH will receive Five Hundred Thousand And No/100ths
               Dollars ($500,000.00) to be used to offset startup
               expenses. This amount will be payable sixty (60) days
               after RMH commences operations, as defined in 3(e);

         (b)   RMH will receive up to a maximum of Three Hundred
               Seventy-Five Thousand And No/100ths Dollars
               ($375,000.00) one (1) year after the payment in (a)
               above as long as RMH has maintained continuous
               employment of five hundred (500) full time equivalent
               employees for twelve (12) months on the terms and
               conditions established above and currently maintains
               a minimum of two hundred fifty (250) full time
               equivalent employees, payable at the rate of Seven
               Hundred Fifty And No/100ths Dollars ($750.00) per
               full time equivalent employee per month;

         (c)   RMH will receive up to a maximum of Three Hundred
               Seventy-Five Thousand And No/100ths Dollars
               ($375,000.00) two (2) years after it has received
               the payment of the funds set out in (a) above as long
               as RMH has maintained continuous employment of a
               minimum of two hundred fifty hundred (250) full time
               equivalent employees for twelve (12) months and
               currently employs a minimum of two hundred and fifty
               (250) full time equivalent employees on the terms and
               conditions established above, payable at the rate of
               Seven Hundred Fifty And No/100ths Dollars($750.00) per
               full time equivalent employee per month;

     3.  RMH's Responsibilities: In consideration for the funding to be provided
         ----------------------
by the DEVELOPMENT CORPORATION, RMH covenants and agrees that:

                                                                          Page 2
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         (a)   it will lease a call center facility within the city
               limits of Harlingen in the size of at least 41,000
               square at a minimum cost of Three Million Seven
               Hundred Thousand And No/100th Dollars (3,700,000.00)
               (including leasehold improvements, furniture equipment
               and fixtures) within seven (7) months of the execution
               of this Agreement;

         (b)   it will hire and maintain continuously during the term
               of this Agreement a minimum of five hundred (500) total
               full time equivalent employees as stated above. In the
               event that any of these new full time equivalent
               employees are terminated, resign or are laid off for any
               reason, RMH shall replace such employee(s) as promptly
               as possible, but in no event more than forty-five (45)
               days later. RMH agrees to exercise its best efforts to
               employ at least forty percent (40%) of these full time
               equivalent employees from the City of Harlingen. The
               hiring of all employees may be through the Harlingen
               office of the Texas Workforce Commission;

         (c)   it will expend a minimum of at least Five Hundred
               Thousand And No/1OOths Dollars ($500,000.00) within the
               city limits of Harlingen in the first year of this
               Agreement for the purchase of leasehold improvements,
               equipment, furniture, supplies and fixtures at the
               premises;

         (d)   it will maintain its call center facility and operations
               in the City of Harlingen for a minimum period of five
               (5) years after it commences operations in Harlingen;
               and

         (e)   "commences operations" means the call center facility
               has been leased, is fully functional and in operation
               and RMH has hired and continuously maintained five
               hundred (500) full time equivalent employees for a
               period of thirty (30) days.

                                                                          Page 3
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     4.  Access To Records: RMH will supply prompt verification of compliance
         -----------------
with these obligations to the DEVELOPMENT CORPORATION as requested and will
promptly provide access to any financial, employment or other records necessary
to verify employment statistics or investments in the Harlingen area.

     5.  Default: Failure by RMH to meet any of the requirements set forth in
         -------
paragraphs 3(a), 3(b), 3(c), 3(d), 3(e) or 4 above shall be a default. Any such
default shall give the DEVELOPMENT CORPORATION the option to require
reimbursement from RMH of sums paid to RMH or for RMH's benefit under paragraphs
2(b) and 2(c) in any amount which the DEVELOPMENT CORPORATION determines, in its
sole discretion, is appropriate in relation to the default or defaults. Upon
determination of default, the DEVELOPMENT CORPORATION shall give written notice
of such default to RMH at: 40 Morris Ave., Bryn Mawr, Pennsylvania 19010, Attn:
Michael Scharff. RMH shall have ninety (90) days from the date of such written
notice to cure the default. Upon receipt of such determination in writing from
the DEVELOPMENT CORPORATION, and after failure to cure the default, RMH shall
pay such reimbursement(s) to DEVELOPMENT CORPORATION within forty-five (45)
days.

     6. Parties Bound And Assignment: This Agreement shall be binding upon and
        ----------------------------
shall inure to the benefit of the parties hereto, their successors and assigns.
RMH may not assign this Agreement or any of their rights hereunder without the
prior written consent of the DEVELOPMENT CORPORATION, which shall not
unreasonably be withheld.

     7. Authorization: The parties acknowledge and represent to each other that
        -------------
the persons who executed this Agreement were duly authorized to do so on behalf
of each party.

                                                                          Page 4
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     Executed at and performable in Harlingen, Cameron County, Texas.

DEVELOPMENT CORPORATION                 RMH TELESERVICES, INC.,
OF HARLINGEN, INC.

BY:  /s/ [ILLEGIBLE]                    BY:  /s/ Michael J. Scharff
   ----------------------                   --------------------------
ITS: President                          ITS: Executive Vice President
    ---------------------                    -------------------------

CITY OF HARLINGEN

BY:  /s/ [ILLEGIBLE]
    ---------------------
ITS: Mayor
    ---------------------

                                                                          Page 5

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