W I T N E S S E T H:

                                 EXHIBIT 10.20

                        AMENDMENT TO EMPLOYMENT AGREEMENT

                  AMENDMENT TO  EMPLOYMENT  AGREEMENT,  dated as of November 15,
1999 (this "Amendment"), between Nationwide Credit, Inc. ("Employer"), and Xxxxx
Xxxxx who resides at 0000 Xxxxxx Xxxxx, Xxxxxxx, Xxxxxxx 00000 ("Executive").


                              W I T N E S S E T H:

          WHEREAS, Employer and Executive are parties to that certain Employment
     Agreement dated as of December 31, 1997 (the "Employment Agreement"); and

          WHEREAS,  Employer  and  Executive  desire  to  amend  the  Employment
     Agreement;

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

Section 1. AMENDMENTS.  Effective as of July 19, 1999, the Employment  Agreement
shall be amended as follows:

     (a)  Each reference  therein to "Chief Operating  Officer" shall be deleted
          and "Co-Chief Executive Officer" substituted therefor;

     (b)  The second  sentence of paragraph 2 shall provide that Executive shall
          report to the Board of Directors; and

     (c)  Paragraph 3 shall be amended by  deleting  therein  the  reference  to
          "$220,000" and substituting therefor "$230,000".

Section 2.  LIMITED  EFFECT.  Except as  expressly  amended  hereby,  all of the
provisions of the Employment  Agreement  shall continue to be, and shall remain,
in full force and effect in accordance with the terms.

Section 3. GOVERNING LAW. THIS AMENDMENT AND THE OBLIGATIONS  ARISING  HEREUNDER
SHALL BE GOVERNED BY, AND CONSTRUED AND ENFORCED IN ACCORDANCE WITH, THE LAWS OF
THE STATE OF NEW YORK.

Section 4. SECTION  TITLES.  Section titles  contained in this Amendment are and
shall be without  substantive  meaning or content of any kind whatsoever and are
not a part of the agreement between the parties hereto.

Section 5. COUNTERPARTS.  This  Amendment  may be  executed  in any  number of
separate   counterparts,   each  of  which  shall  collectively  and  separately
constitute one agreement.


                  IN WITNESS  WHEREOF,  this Amendment has been duly executed as
of the date first written above.


                                    NATIONWIDE CREDIT, INC.



                                    By:
                                        Name:
                                        Title:



                                        Xxxxx Xxxxx