Document:

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                                                                    Exhibit 10.9

                          JOINDER AGREEMENT AND WAIVER

         JOINDER AGREEMENT AND WAIVER dated as of October 26, 2001 by and among
RMH TELESERVICES, INC., a Pennsylvania corporation (the "Company"), TEXAS
MARGINS, LLC, a Nevada limited liability company ("TMLLC"), GLADSHARE I, LLC, a
Nevada limited liability company ("Gladshare"), JFO I, LLC, a Nevada limited
liability company ("JFO," and with TMLLC and Gladshare, the "New Investors"),
the Investors listed on Exhibit A hereto (the "Initial Investors" and, with the
New Investors, the "Investors"), and THINKEQUITY PARTNERS, LLC (the "Agent").

                                   WITNESSETH:
                                   -----------
         WHEREAS, pursuant to that certain Stock Purchase Agreement (the
"Original Stock Purchase Agreement") dated as of September 28, 2001, the Company
has issued to the Initial Investors 2,426,982 shares (the "Initial Investor
Shares") of the common stock, no par value per share ("Common Stock"), of the
Company and warrants (the "Initial Investor Warrants") to purchase 808,991
shares of Common Stock (the "Initial Investor Warrant Shares") and pursuant to
that certain engagement letter between the Company and the Agent dated as of
September 28, 2001 (the "Engagement Letter"), the Company has issued to the
Agent warrants (the "Agent Warrants", and together with the Initial Investor
Warrants, the "Initial Warrants") to purchase 121,349 shares of Common Stock
(the "Agent Warrant Shares," and together with the Investor Warrant Shares, the
"Initial Warrant Shares"); and

         WHEREAS, the Company, the Initial Investors and the Agent have entered
into a Registration Rights Agreement dated of September 28, 2001 (the
"Registration Rights Agreement"), pursuant to which the Company shall cause to
be registered for sale the Initial Investor Shares and the Initial Warrant
Shares, as well as shares of Common Stock issuable upon the exercise of any
additional warrants issued to the Initial Investors pursuant to the Original
Stock Purchase Agreement; and

         WHEREAS, the Company and the New Investors desire that the New
Investors acquire 217,804 shares of Common Stock (the "New Investor Shares" and,
with the Initial Investor Shares, the "Investor Shares") and warrants ("the New
Warrants") to purchase 72,601 shares of Common Stock (the "New Warrant Shares")
from the Company, all pursuant to substantially the same terms and conditions as
set forth in the Original Stock Purchase Agreement and the Registration Rights
Agreement and that the New Investors receive a placement fee equal to $100,000
and warrants to purchase an additional 10,890 shares of Common Stock, which
additional warrants and shares shall for all purposes hereunder be included in
the definition of New Warrants and New Warrant Shares, respectively, all in the
respective amounts set forth on Exhibit B; and

         WHEREAS, the issuance of the Initial Investor Shares and the Initial
Warrants was made, the issuance of the New Investor Shares and the New Warrants
is now being made, and the issuance of the Initial Warrant Shares and the New
Warrant Shares will be made, pursuant to the authority of the Board of Directors
of the Company (the "Board") granted at a Special Meeting of the Board held on
September 25, 2001 and further granted at a Special Meeting of the Board held on
September 28, 2001; and

         WHEREAS, the Initial Investors and the Agent wish to acknowledge and
consent to the sale and issuance of the New Investor Shares, the New Warrants
and the New Warrant Shares by the Company to the New Investors.
<PAGE>

     NOW, THEREFORE, in consideration of the foregoing, and other good and
valuable consideration, and intending to be legally bound, the parties hereto
hereby agree as follows:

          1.   Acknowledgement With Respect to Participation by the New
               --------------------------------------------------------
Investors. The Initial Investors and the Agent hereby agree and acknowledge
---------
that:

          (a)  the issuance of the New Shares and the New Warrants to the New
Investors, the issuance of the New Warrant Shares upon the exercise of the New
Warrants and the execution and delivery by the New Investors and the Company of
the Stock Purchase Agreement dated as of October __, 2001 by and among the New
Investors and the Company (the "the New Stock Purchase Agreement") are hereby
consented to by the Initial Investors and the Agent in all respects;

          (b)  the issuance of the New Shares, the New Warrants and the New
Warrant Shares (which for all purposes under this Joinder Agreement and Waiver
shall be deemed to include any additional warrants (or shares of Common Stock
issued pursuant to the exercise of such additional warrants) issued pursuant to
the New Stock Purchase Agreement) shall not give rise to any rights of first
refusal of the Initial Investors pursuant to Section 6 of, and shall be deemed
not to be "New Securities" as defined in, the Original Stock Purchase Agreement;

          (c)  the issuance of the New Shares and the New Warrants and the
issuance of the New Warrant Shares upon the exercise of the New Warrants shall
not be deemed to give rise to any anti-dilution rights whatsoever pursuant to
any provisions regarding anti-dilution rights provided in the Initial Warrants;
and

          (d)  the issuance of the New Shares and the New Warrants and the
issuance of the New Warrant Shares upon the exercise of the New Warrants shall
not give rise to any rights under Section 10(l) of the Engagement Letter.

          2.   Pro-rata Right of First Refusal. The Company, the Initial
               -------------------------------
Investors and the New Investors hereby agree that the rights of first refusal of
the Initial Investors pursuant to Section 6 of the Original Stock Purchase
Agreement and the rights of the New Investors pursuant to Section 6 of the New
Stock Purchase Agreement shall be pari passu among all of the Initial Investors
and all of the New Investors together as one group, as if all the Initial
Investors and all the New Investors had executed the Original Stock Purchase
Agreement and that Sections 4, 6 and 7 of either the Original Stock Purchase
Agreement or the New Stock Purchase Agreement shall not be amended unless both
agreements are amended jointly upon the vote of Investors holding two-thirds of
the Investor Shares.

          3.   Joinder to Registration Rights Agreement. The Company, the
               ----------------------------------------
Initial Investors, the Agent and the New Investors hereby agree that the New
Investors shall be considered "Purchasers" and/or "Holders" under the
Registration Rights Agreement, and that they are hereby added as parties to the
Registration Rights Agreement, as if the Company, the Initial Investors, the
Agent and the New Investors all had executed the Original Registration Rights
Agreement as of September 28, 2001.

          4.   Additional Warrants. The Company, the Initial Investors and the
               -------------------
Agent hereby agree and acknowledge that the issuance of any additional warrants
(the "Additional Warrants") (or the issuance of any Shares issuable upon the
exercise of any such Additional Warrants) pursuant to the provisions of Section
4 of the Original Stock Purchase Agreement or Section 4 of the New Stock
Purchase Agreement shall not give rise to any rights of first refusal under
either of such Stock Purchase Agreements or be deemed to give rise to any anti-
dilution rights whatsoever pursuant to any provisions regarding anti-dilution
rights provided in any of the

                                      -2-
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Initial Warrants or the New Warrants.

          5.   Miscellaneous. This Agreement may be executed in any number of
               -------------
counterparts, each of which shall be deemed an original, but all of which
together shall constitute one instrument. This Agreement shall be governed by
and construed under the laws of the Commonwealth of Pennsylvania, without giving
any effect to the choice of law or conflict of law provision of rule (whether of
the Commonwealth of Pennsylvania or any other jurisdiction) that would cause the
application of the laws of any jurisdiction other than the Commonwealth of
Pennsylvania.

     IN WITNESS WHEREOF, the undersigned have executed this Agreement as of the
date first above written.

                                               RMH TELESERVICES, INC.,

                                               By: /s/ Scot Brunke
                                                  -------------------------
                                                  Name:  Scot Brunke
                                                  Title: CFO

                                               NEW INVESTORS:

                                               TEXAS MARGINS, L.L.C.

                                               By: /s/ Martin Phillips
                                                  -------------------------
                                                  Name:  Martin Phillips
                                                  Title: Member

                                               GLADSHARE I, LLC

                                               By: /s/ Martin Phillips
                                                  -------------------------
                                                  Name:  Martin Phillips
                                                  Title: Member

                                      -3-
<PAGE>

                                               JFO I, LLC

                                               By: /s/ Ronald Jensen
                                                  -------------------------
                                                  Name:  Ronald Jensen
                                                  Title: Member

                                               INITIAL INVESTORS:

                                               ARDSLEY OFFSHORE FUND LIMITED

                                               By: /s/ Kevin M. McCormack
                                                  -------------------------
                                               Name:  Kevin M. McCormack
                                               Title: Agent

                                               ARDSLEY PARTNERS FUND I LP

                                               By: /s/ Kevin M. McCormack
                                                  -------------------------
                                               Name:  Kevin M. McCormack
                                               Title: Partner

                                               ARDSLEY PARTNERS FUND II LP

                                               By: /s/ Kevin M. McCormack
                                                  -------------------------
                                               Name:  Kevin M. McCormack
                                               Title: Partner

                                               ARDSLEY PARTNERS INSTITUTIONAL
                                               FUND LP

                                               By: /s/ Kevin M. McCormack
                                                  -------------------------
                                               Name:  Kevin M. McCormack
                                               Title: Partner

                                               AUGUSTA PARTNERS LP

                                               By: /s/ Kevin M. McCormack
                                                  -------------------------
                                               Name:  Kevin M. McCormack
                                               Title: Partner

                                      -4-
<PAGE>

                                       CONSTABLE CAPITAL

                                       By: /s/ D. Constable
                                          -------------------------
                                       Name:  D. Constable
                                       Title:

                                       SAFECO Common Stock Trust
                                       SAFECO Growth Opportunities Fund

                                       By: /s/ Ronald L. Spaulding
                                          -------------------------
                                       Name:  Ronald L. Spaulding
                                       Title: Vice President and Treasurer

                                       HH MANAGED ACCOUNT I LIMITED

                                       By: /s/ Kevin M. McCormack
                                          -------------------------
                                       Name:  Kevin M. McCormack
                                       Title: Agent

                                       POTOMAC CAPITAL PARTNERS, L.P.

                                       By: /s/ Paul J. Solit
                                          -------------------------
                                       Name:  Paul J. Solit
                                       Title: Managing Member of the General
                                              Partner

                                       RS PAISLEY PACIFIC MASTER FUND UNIT TRUST

                                       By: /s/ John L. Wallace
                                          -------------------------
                                       Name:  John L. Wallace
                                       Title: Portfolio Manager/ Mg. Director

                                       SAFECO Resources Series Trust
                                       Growth Opportunities Portfolio

                                       By: /s/ Ronald L. Spaulding
                                          -------------------------
                                       Name:  Ronald L. Spaulding
                                       Title: Vice President and Treasurer

                                      -5-
<PAGE>

                                       THE PAISLEY FUND, L.P.

                                       By: /s/ John L. Wallace
                                          -------------------------
                                       Name:  John L. Wallace
                                       Title: Portfolio Manager / Mg. Director

                                       WOODVILLE LLC

                                       By: /s/ Jeff Sowada
                                          -------------------------
                                       Name:  Jeff Sowada
                                       Title: Manager

                                       AGENT:

                                       THINKEQUITY PARTNERS, LLC

                                       By: /s/ John P. Flood
                                          -------------------------
                                       Name:  John P. Flood
                                       Title: Partner

                                      -6-
<PAGE>

                                   EXHIBIT B

<TABLE>
<CAPTION>
                                                          Sale           Placement       Placement       State of
Investor Name         Closing ($)       Shares (#)     Warrants (#)     Warrants (#)      Fee ($)        Domicile
<S>                  <C>               <C>             <C>              <C>              <C>             <C>
Gladshare 1, LLC     $  222,935          23,122            6,514             977         $ 10,616          Texas
Texas Margins, LLC   $  732,769          76,000           66,087           9,913         $ 34,894          Texas
JFO 1, LLC           $1,144,296         118,682                0               0         $ 54,490          Texas

Total                $2,100,000         217,804           72,601          10,890         $100,000
</TABLE>

                                      -7-<PAGE>

                                                                   EXHIBIT 10.10

                                PROMISSORY NOTE
                                 July 19, 2001

For value received, the undersigned, RMH Teleservices, Inc. ("Borrower"), hereby
promises to pay to the order of Special Investment Risks, Ltd. ("Lender"), in
lawful money of the United States of America, the principal sum of Five Million
Dollars ($5,000,000.00), together with simple interest on the principal amount
hereunder remaining unpaid from time to time, computed on the basis of actual
number of days elapsed in a 360-day year, from the date hereof until this Note
is fully paid at the annual rate equal to eight and one-half percent (8.5%).

The outstanding unpaid principal balance of this Note, plus all accrued and
unpaid interest, shall become due and payable on September 24, 2001.

Borrower agrees to pay all costs of collection, including attorney's fees, in
the event any principal and/or interest on this Note is not paid when due.
Except as otherwise required by the terms of this Note, Borrower hereby waives
presentment, demand, protest, dishonor and notice of dishonor. This Note shall
be governed by the internal laws of the Commonwealth of Pennsylvania.

IN WITNESS THEREOF, Borrower has executed and delivered this Note as of the date
first above written.

                                                      RMH Teleservices, Inc.

                                                      By: /s/ John Fellows
                                                          ----------------------
                                                      Name: John Fellows
                                                           ---------------------
                                                      Title: CEO
                                                            --------------------

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