Exhibit 3.1.21

ARTICLES OF INCORPORATION

(PURSUANT TO NRS 78)

1. |  | Name of Corporation |  | NCOP II, Inc. |  |  |  |  |  |
2. |  | Resident Agent Name and Street Address: |  | CSC Services of Nevada, Inc. 502 East John Street Carson City, NEVADA 89706 |  |  |  |  |  |
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 3 members whose names and addresses are as follows:
|  |  |  | 1. See Attached Exhibit A |  |  |  |  |  |
5. |  | Purpose |  | The purpose of this corporation shall be: To purchase and/or service receivables |  |  |  |  |  |
6. |  | Other Matters: |  | Number of addition pages: 1 |  |  |  |  |  |
7. |  | Names, Addresses and Signatures of Incorporators: |  | Brian H. Callahan 515 Pennsylvania Avenue Ft. Washington, PA 19034 |  | Signature: |  | /s/ Brian H. Callahan |  |
8. |  | Certificate of Acceptance of Appointment of Resident Agent: |  | I, CSC Services of Nevada, Inc. hereby accept appointment as Resident Agent for the above named corporation
|  |  |  | /s/ Cindy Woodgate |  |  |  | 2-08-01 |  |
|  |  |  | Signature of Resident Agent on behalf of CSC Services of Nevada, Inc. |  |  |  | Date |  |

EXHIBIT A

DIRECTORS OF NCOP II, INC.

Name |  | Address
Michael J. Barrist |  | 515 Pennsylvania Avenue Ft. Washington, Pennsylvania 19034
Joshua Gindin |  | 515 Pennsylvania Avenue Ft. Washington, Pennsylvania 19034
Michael B. Meringolo |  | 515 Pennsylvania Avenue Ft. Washington, Pennsylvania 19034

CERTIFICATE OF CHANGE OF

ADDRESS OF RESIDENT AGENT AND

REGISTERED OFFICE

The former address of Nevada Incorporators & Registration Service, LLC, the resident agent of the business entities listed below was:

OLD ADDRESS: |  | 3993 Howard Hughes Parkway, Suite 460
|  | Las Vegas, Clark County, Nevada 89109

The address of the above-named resident agent is now changed to:

NEW ADDRESS: |  | 3763 Howard Hughes Parkway, Suite 170
|  | Las Vegas, Clark County, Nevada 89109

Signature of resident agent: |  | /s/ Candace R. Corra |  |
|  | Authorized Signature of R.A. or On Behalf of R.A. Company

Type of business entities represented:

x corporation ¨ limited partnership ¨ limited-liability company

¨ business trust ¨ limited-liability limited partnership ¨ limited-liability partnership

Name of business entities represented by resident agent:

BB&T Service Corporation |  | Capellon, Inc.
Dalton Whitfield Holdings, Inc. |  | Dalton Whitfield Intangible Properties, Inc.
Dalton Whitfield Investments, Inc. |  | Dazies Playhouse
Definitive Business Solutions |  | First Security Holdings, Inc.
First Security Intangible Properties, Inc. |  | First Security Investments, Inc.
First State Intangible Properties, Inc. |  | First State Investments, Inc.
Frontier Holdings, Inc. |  | Frontier Intangible Properties, Inc.
Frontier Investments, Inc. |  | FSH Holdings, Inc.
Greenwood Outfitters-Nevada, Inc. |  | Grey Hawk, Inc.
Hibbett Capital Management, Inc. |  | Karl Klement Enterprises-Nevada, Inc.

Additional Page to Certificate of Change of Address

Of Resident Agent and Registered Office

KK Partners/FM-Nevada, Inc. |  | Klement Nevada Partner s/Chrylser, Inc.
Lydian REIT Holdings, Inc. |  | NCOP Capital, Inc.
NCOP I, Inc. |  | NCOP II, Inc.
NCOP III, Inc. |  | NCOP IV, Inc.
NCOP Lakes, Inc. |  | NCOP Nevada Holdings, Inc.
NCOP Strategic Partnership, Inc. |  | NCOP V, Inc.
NCOP/Martin, Inc. |  | NIRS, Inc.
Oasis Telecommunications, Data and Records, Inc. |  | Ravisent IP, Inc.
Stewart & Associates, A Professional Law Association |  | Super J-Nevada, Inc.
TSPC, Inc. |  | Vegan Properties, Inc.
Weather Management, Inc. |  | Axeda IP, Inc.
Cedar Columbia Nevada, Inc. |  | Lion Holdings, Inc.
Pacific Circle, Inc. |  | Nfinite Solutions, Inc.