W I T N E S S E T H:

                                 EXHIBIT 10.21

                        AMENDMENT TO EMPLOYMENT AGREEMENT

                  AMENDMENT TO  EMPLOYMENT  AGREEMENT,  dated as of November 15,
1999 (this  "Amendment"),  between  Nationwide  Credit,  Inc.  ("Employer")  and
Xxxxxxx Xxxx residing at 00 Xxxx Xxxxxx Xxxxx,  X.X.,  Xxxxxxxxx  000,  Xxxxxxx,
Xxxxxxx 00000 ("Executive").


                              W I T N E S S E T H:

          WHEREAS,  Employer and Executive are party to that certain  Employment
          Agreement dated as of May 18, 1998 (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 bound  legally  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  Financial  Officer" shall be deleted and
     "Co-Chief Executive Officer" substituted therefor;

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

(c)  Paragraph  III shall be  amended  by  deleting  therein  the  reference  to
     "$200,000" and substituting therefor "$230,000".

Section 2. LIMITING  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 their 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 Agreement has been duly executed as
of the date first written above.


                                    NATIONWIDE CREDIT, INC.



                                    By:
                                        Name:
                                        Title:




                                        Xxxxxxx Xxxx