Document:

<PAGE>

                                                                    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-

<PAGE>

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 10.19

                     SEVENTH AMENDMENT TO CREDIT AGREEMENT
                     -------------------------------------

         This Seventh Amendment to Credit Agreement ("Amendment"), dated August
8, 2001, is entered into by and among PNC Bank, National Association ("Bank"),
RMH Teleservices, Inc. ("Borrower"), and RMH Teleservices International, Inc.
("Surety").

                                  BACKGROUND
                                  ----------

         A. Borrower and Bank are parties to a certain letter agreement, dated
March 21, 1997 (as amended, supplemented, replaced, restated or otherwise
modified from time to time, "Credit Agreement"), pursuant to which Bank
established for the benefit of Borrower a line of credit in the maximum
aggregate principal amount of Twenty Million Dollars ($20,000,000). Capitalized
terms used but not otherwise defined in this Amendment shall have the meanings
given to such terms in the Credit Agreement.

         B. Borrower has failed to maintain the minimum Interest Coverage Ratio
under the Credit Agreement for the period ending June 30, 2001 and has failed to
execute certain security documents as required under the Waiver Letter dated May
15, 2001. Borrower's failure to (a) comply with the Interest Coverage Ratio as
of June 30, 2001 and (b) execute the security documents constitute Events of
Default. Such Events of Default are referred to herein as the "Existing
Defaults."

         C. Bank and Borrower desire to modify the terms and conditions of the
Credit Agreement as more fully set forth herein.

TERMS AND CONDITIONS
--------------------

         NOW, THEREFORE, with the foregoing Background hereinafter incorporated
by reference, the parties hereto, intending to be legally bound, hereby covenant
and agree as follows:

         1.    Consent to Loan: Notwithstanding any provision in the Credit
               ---------------
Agreement to the contrary, the Bank hereby consents to Borrower obtaining a Five
Million Dollar ($5,000,000) loan from Special Investment Risks, Ltd.

         2.    Negative Covenants: The Credit Agreement is hereby amended by
               ------------------
deleting Subsection (III)(b)(iv) of Exhibit "A" in its entirety and replacing it
with the following:

                     (iv)  purchase money indebtedness (including capitalized
lease obligations) incurred for the acquisition of fixed assets, limited in
amount equal to $15,000,000 at any time outstanding in the aggregate for
Borrowers and all Subsidiaries,

         3.    Waiver:
               ------

               (a) Upon satisfaction of the Conditions to Closing (as defined
below), the Bank hereby waives the Existing Defaults.

               (b) Except as expressly described above, this waiver shall not
constitute (a) a modification or an alteration of any of the terms, conditions
or covenants of the Agreement or any of the other Loan Documents, all of which
remain in full force and effect, or (b) a waiver, release or limitation upon the
Bank's exercise of any of its rights and remedies thereunder, all of which are
hereby expressly reserved. This waiver shall not relieve or release the Borrower
or any guarantor in

                                       1

<PAGE>

any way from any of its respective duties, obligations, covenants or agreements
under the Agreement or any of the other Loan Documents or from the consequences
of any Event of Default, other than the Existing Defaults. This waiver shall not
obligate the Bank, or be construed to require the Bank, to waive any other
Events of Default or defaults, whether now existing or which may occur after the
date of this waiver.

     4.   Representations and Warranties: Borrower and Surety each represents
          ------------------------------
and warrants to Bank that:

          (a)  the execution, delivery and performance by Borrower and Surety of
this Amendment and the transactions contemplated herein: (i) are and will be
within the corporate powers of Borrower and Surety; (ii) have been authorized by
all necessary corporate action; (iii) are not and will not be in contravention
of any order of any court or other agency of government, or of any law to which
Borrower or Surety or any property of Borrower or Surety is bound; and (iv) are
not and will not be in conflict with, or result in a breach of or constitute
(with due notice and/or lapse of time) a default under the articles of
incorporation or bylaws or any indenture, agreement or undertaking to which
Borrower or Surety is a party or by Borrower or Surety or property of Borrower
or Surety is bound;

          (b)  this Amendment and any other agreements, instruments or documents
executed and/or delivered in connection herewith, are valid, binding and
enforceable against Borrower and Surety, in accordance with their respective
terms;

          (c)  each of the representations and warranties contained in, and each
of the exhibits and/or schedules attached to, the Credit Agreement, as amended
hereby, and all related agreements, instruments and documents are true and
correct as of the date hereof as to Borrower and Surety, as applicable;

          (d)  after giving effect to the waiver set forth in Paragraph 3 of
this Amendment, no Event of Default and no event which, with the passage of
time, giving of notice, or both, would become an Event of Default under the
Credit Agreement, is existing.

     5.   Authorization: Upon the Effective Date, Borrower hereby authorizes the
          -------------
Bank to prefile (without Borrower's signature), UCC-1 financing statements
covering the Collateral (as defined below).

     6.   Confirmation of Indebtedness: Borrower ratifies and reaffirms all of
          ----------------------------
its obligations to Bank under the Credit Agreement and related agreements,
instruments and documents and agrees that the same are owing to Bank without any
deduction, defense, setoff, claim or counterclaim, of any nature.

     7.   Reaffirmation by Surety: Surety, by its execution of this Amendment,
          -----------------------
hereby unconditionally consents to the terms and conditions of this Amendment
and the transactions contemplated herein. Surety further reaffirms its
obligations under its surety agreement in favor of Bank and acknowledges and
agrees that it continues to be liable as surety for all of the liabilities,
debts and obligations of Borrower to Bank under the Credit Agreement, as amended
hereby. Surety further confirms and agrees that the execution and delivery of
this Amendment does not in any way impair any obligations of Surety to Bank
under its surety agreement and that the terms and conditions of such surety
agreement remain unchanged and in full force and effect and that such surety
agreement constitutes the valid, binding and enforceable obligation of Surety,
in accordance with its terms, without any deduction, defense, setoff, claim or
counterclaim, of any nature.

                                       2

<PAGE>

     8.   Conditions to Closing: The obligation of Bank to enter into this
          ---------------------
Amendment are subject to, and this Amendment shall become effective upon
("Effective Date"), the following conditions having been satisfied in full to
the complete satisfaction of Bank:

          (a)  Borrower shall have delivered, or cause to be delivered, to Bank
the following documents (all to be in form and substance acceptable in all
respects to Bank):

               (i)   this Amendment properly executed by Borrower and Surety;

               (ii)  a certificate from the secretary of each of Borrower and
Surety certifying resolutions adopted by the respective board of directors of
Borrower and Surety authorizing the execution of, as appropriate, this
Amendment, the granting of security interest in the Collateral, the prefiling of
UCC-1 Financing statements and any other agreement, instrument or other document
required to be executed and/or delivered by Borrower and/or Surety under any
section hereof and authorizing the performance of the transactions contemplated
herein;

               (iii) a security agreement executed by Borrower pursuant to which
Borrower will grant Bank a first priority security interest in all of Borrower's
personal property assets (tangible or intangible) including but not limited to
existing and future accounts, contracts, chattel paper, documents, instruments,
deposit accounts, general intangibles, investment property, inventory,
equipment, and fixtures, and proceeds of all of the foregoing (the
"Collateral");

               (iv)  a guaranty and suretyship agreement executed by
Teleservices Technology Company;

               (v)   a trademark security agreement executed by Teleservices
Technology Company; and

               (vi)  such other agreements, instruments, and documents required
to be executed and/or delivered under any provision of the Credit Agreement, as
amended hereby, or as Bank may reasonably determine to carry out the intentions
of parties hereunder.

          (b)  after giving effect to the waiver set forth in Paragraph 3 of
this Amendment, no Event of Default and no event or condition which, with the
passage of time, the giving of notice, or both, would constitute an Event of
Default under the Credit Agreement, is existing;

          (c)  payment of a non-refundable waiver fee of Twenty Thousand Dollars
($20,000) to the Bank; and

          (d)  payment or reimbursement by Borrower of all fees owing to Bank
and Expenses (including, without limitation, reasonable attorneys' fees)
incurred by Bank to analyze, prepare and negotiate and conclude this Amendment
and all related agreements and transactions described herein, as well as all
outstanding attorney's fees incurred by Bank.

     9.   Non-Waiver: This Amendment does not and shall not be deemed to
          ----------
constitute a waiver by Bank of any breach or violation of any representation,
warranty or covenant made or agreed to by Borrower under the Credit Agreement,
as amended hereby, and all claims and rights of Bank resulting from any such
breach or violation are expressly reserved by Bank. This Amendment does not
obligate Bank to agree to any further extension or any other modification of the
Credit Agreement nor does it constitute a course of conduct or dealing on behalf
of Bank or a waiver of

                                       3

<PAGE>

any other rights or remedies of Bank. No omission or delay by Bank in exercising
any right or power under this Amendment or any related instruments, agreements
or documents will impair such right or power or be construed to be a waiver of
any default or Event of Default or an acquiescence therein, and any single or
partial exercise of any such right or power will not preclude other or further
exercise thereof or the exercise of any other right, and no waiver will be valid
unless in writing and then only to the extent specified.

     10.  Incorporation: This Amendment (including, without limitation, any
          -------------
covenants contained herein) shall amend, and is incorporated into and made part
of, the Credit Agreement. All references to the Credit Agreement contained in
the Credit Agreement or other Loan Documents shall be deemed, for all purposes,
to refer to the Credit Agreement as amended hereby. To the extent that any term
or provision of this Amendment is or may be deemed expressly inconsistent with
any term or provision in the Credit Agreement, the terms and provisions hereof
shall control. Except as expressly amended by this Amendment, all of the terms,
conditions and provisions of the Credit Agreement are hereby ratified and
continue unchanged and remain in full force and effect.

     11.  No Modification: No modification of this Amendment or of any agreement
          ---------------
referred to herein shall be binding or enforceable unless in writing and signed
on behalf of the party against whom enforcement is sought.

     12.  Headings: The headings of any section or paragraph of this Amendment
          --------
are for convenience only and shall not be used to interpret any provision of
this Amendment.

     13.  Successor and Assigns: This Amendment will be binding upon and inure
          ---------------------
to the benefit of the parties hereto and their respective heirs, executors,
administrators, successors and assigns.

     14.  Governing Law: This Amendment shall be governed by, and construed and
          -------------
enforced in accordance with the laws of the Commonwealth of Pennsylvania,
excluding its conflict of laws rule.

     15.  Severability: The provisions of this Amendment are to be deemed
          ------------
severable, and the invalidity or unenforceability of any provision shall not
affect or impair the remaining provisions which shall continue in full force and
effect.

     16.  Execution by Counterparts and Facsimile: This Amendment may be
          ---------------------------------------
executed in any number of counterparts, each of which when so executed shall be
deemed to be an original and all of which taken together shall constitute one
and the same agreement. Signature by facsimile shall also bind the parties
hereto.

                        [SIGNATURES ON FOLLOWING PAGE]

                                       4

<PAGE>

     IN WITNESS WHEREOF, the undersigned, intending to be legally bound, execute
this Amendment on the date first above written.

                                          BANK:
                                          ----

                                          PNC Bank, National Association

                                          By: /s/ Karen Shoener
                                             ------------------------------
                                          Name:     Karen Shoener
                                               ----------------------------
                                          Title:      V.P.
                                                ---------------------------

                                          BORROWER:
                                          --------

                                          RMH Teleservices, Inc.

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

                                          SURETY:
                                          ------

                                          RMH Teleservices International, Inc.

                                          By: /s/ Robert M. Berwagner
                                             ------------------------------
                                          Name:   Robert M. Berwagner
                                               ----------------------------
                                          Title:    COO/Secretary
                                                ---------------------------

                                       5

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