NATIONWIDE CREDIT INC 10-K

FORM 10-K FOR NATIONWIDE CREDIT, INC.

EMPLOYMENT AGREEMENT FOR JERRY KAUFMAN

OPTION AGREEMENT AMENDMENT FOR JERRY KAUFMAN

EMPLOYMENT AGREEMENT WITH LOREN KRANZ

EMPLOYMENT AGREEMENT AMENDMENT - MICHAEL LORD

OPTION AGREEMENT WITH MICHAEL LORD

OPTION AGREEMENT AMENDMENT FOR KEVIN HENRY

COMPUTATION OF EARNINGS TO FIXED CHARGES

FDS --