SECOND ADDENDUM

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Title: SECOND ADDENDUM
Date: 3/15/2004
Industry: SVSBUS Sector: SERVIC

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Exhibit 10.30

SECOND ADDENDUM

This Second Addendum amends that certain Employment Agreement dated

June 5, 1998 by and between JOSHUA GINDIN and NCO FINANCIAL SYSTEMS, INC., a

Pennsylvania corporation (the "Agreement"),as amended effective January 1, 1999

and this Addendum shall be effective as of July 1, 2003 (the "Effective Date").

For good and valuab