Exhibit 3.1.26

ARTICLES OF INCORPORATION

(PURSUANT TO NRS 78)

1. |  | Name of Corporation |  | NCOP VII, Inc. |  |  |  |  |  |  |  |
2. |  | Resident Agent Name and Street Address: |  | Nevada Incorporators and Registration Service, LLC. 3763 Howard Hughes Parkway, Suite 170 Las Vegas, NEVADA 89109 |  |  |  |
3. |  | Shares: |  | Number of shares with par value 1,000 |  | Par Value $1.00 |  |  |  |  |  | Number of shares with out par value
4. |  | Names, Addresses, Number of the Board of Directors/Trustees: |  | The First Board of Directors/Trustees shall consist of 5 members whose names and addresses are as follows:

|  |  |  | 1. |  | Michael J. Barrist 507 Prudential Road, Horsham, PA 19044 |  |  |  |  |  |
|  |  |  | 2. |  | Michael B. Meringolo 507 Prudential Road, Horsham, PA 19044 |  |  |  |  |  |
|  |  |  | 3. |  | Joshua Gindin 507 Prudential Road, Horsham, PA 19044 |  |  |  |  |  |

5. |  | Purpose |  | The purpose of this corporation shall be: To purchase and/or service receivables & to engage in any other lawful business.
6. |  | Names, Addresses and Signatures of Incorporators: |  | Richard J. Palmer 1804 Washington Blvd. Dept 200 Baltimore, MD 21230 |  | Signature: |  | /s/ Richard J. Palmer |  |  |  |
7. |  | Certificate of Acceptance |  | I hereby accept appointment as Resident Agent for the above named corporation
|  | of Appointment of Resident Agent: |  | /s/ Candace R. Corra |  |  |  | 11-23-04 |  |  |  |
|  |  |  | Signature of Resident Agent |  |  |  | Date |  |  |  |

EXHIBIT A

TO THE

ARTICLES OF INCORPORATION

OF NCOP VII, INC.

DIRECTORS

Name |  | Address
Richard J. Palmer |  | 1804 Washington Blvd. Department 200 Baltimore, Maryland 21230
Candace Corra |  | 3763 Howard Hughes Parkway Suite 170 Las Vegas, Nevada 89109