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<COMPANY-DATA>
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<STREET1>C/O NCO GROUP
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<STATE>TX
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<CONFORMED-NAME>Union Settlement Administrator Holdco, Inc.
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<STATE>MO
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<STREET2>507 PRUDENTIAL ROAD
<CITY>HORSHAM
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<CONFORMED-NAME>Systems & Services Technology, Inc.
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<STATE>MO
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<CITY>HORSHAM
<STATE>PA
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<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>Tempest Recovery Services, Inc.
<CIK>0001431673
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<STATE-OF-INCORPORATION>MO
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<STREET2>4315 PICKETT ROAD
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<STREET1>C/O NCO GROUP
<STREET2>507 PRUDENTIAL ROAD
<CITY>HORSHAM
<STATE>PA
<ZIP>19044
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<FILER>
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<CONFORMED-NAME>NCOP X, LLC
<CIK>0001431674
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<CITY>LAS VEGAS
<STATE>NV
<ZIP>89109
<PHONE>215-441-3000
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<MAIL-ADDRESS>
<STREET1>C/O NCO GROUP
<STREET2>507 PRUDENTIAL ROAD
<CITY>HORSHAM
<STATE>PA
<ZIP>19044
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<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>Total Debt Management, Inc.
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<STATE-OF-INCORPORATION>GA
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<BUSINESS-ADDRESS>
<STREET1>6356 CORLEY ROAD
<CITY>NORCROSS
<STATE>GA
<ZIP>30071
<PHONE>1-800-220-2274
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<MAIL-ADDRESS>
<STREET1>6356 CORLEY ROAD
<CITY>NORCROSS
<STATE>GA
<ZIP>30071
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<FILER>
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<CONFORMED-NAME>NCOP XII, LLC
<CIK>0001486994
<IRS-NUMBER>271342237
<STATE-OF-INCORPORATION>NV
<FISCAL-YEAR-END>1231
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<FILM-NUMBER>111260754
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<BUSINESS-ADDRESS>
<STREET1>2520 SAINT ROSE PARKWAY
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<CITY>HENDERSON
<STATE>NV
<ZIP>89074
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<MAIL-ADDRESS>
<STREET1>2520 SAINT ROSE PARKWAY
<STREET2>SUITE 212
<CITY>HENDERSON
<STATE>NV
<ZIP>89074
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<FILER>
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<CONFORMED-NAME>NCOP XI, LLC
<CIK>0001486995
<IRS-NUMBER>263893942
<STATE-OF-INCORPORATION>NV
<FISCAL-YEAR-END>1231
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<FILING-VALUES>
<FORM-TYPE>424B3
<ACT>33
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<FILM-NUMBER>111260753
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<BUSINESS-ADDRESS>
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<STREET2>SUITE 212
<CITY>HENDERSON
<STATE>NV
<ZIP>89074
<PHONE>1-800-220-2274
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>2520 SAINT ROSE PARKWAY
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<TEXT>
<HTML>
<HEAD>
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<BR>
<FONT SIZE=3 ><A HREF="#11ZDV15306_1">QuickLinks</A></FONT>
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<P ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2><A
NAME="be15306_filed_pursuant_to_rule_424(b)(__fil00878"> </A>
<A NAME="toc_be15306_1"> </A>
<BR></FONT><FONT SIZE=2><B>  Filed Pursuant to Rule&nbsp;424(b)(3)<BR>  File Number&nbsp;333-173514; 333-165975; 333-158745; 333-150885    <BR>    </B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2><B>Supplement No.&nbsp;14<BR>
(To prospectus dated April&nbsp;27, 2011)  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><B>
<IMG SRC="g1020565.jpg" ALT="GRAPHIC" WIDTH="169" HEIGHT="79">
  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=4><B>NCO GROUP,&nbsp;INC.  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=4><B>$165,000,000 Floating Rate Senior Notes due 2013  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=4><B> $200,000,000 11.875% Senior Subordinated Notes due 2014  </B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT SIZE=2><B>This prospectus supplement No.&nbsp;14 supplements and amends the prospectus dated April&nbsp;27, 2011, as
supplemented and amended by prospectus supplement No.&nbsp;1 dated May&nbsp;13, 2011, prospectus supplement No.&nbsp;2 dated May&nbsp;31, 2011, prospectus supplement No.&nbsp;3 dated
July&nbsp;8, 2011, prospectus supplement No.&nbsp;4 dated August&nbsp;11, 2011, prospectus supplement No.&nbsp;5 dated August&nbsp;15, 2011, prospectus supplement No.&nbsp;6 dated
October&nbsp;6, 2011, prospectus supplement No.&nbsp;7 dated October&nbsp;18, 2011, prospectus supplement No.&nbsp;8 dated November&nbsp;14, 2011, prospectus supplement No.&nbsp;9 dated
November&nbsp;17, 2011, prospectus supplement No.&nbsp;10 dated November&nbsp;29, 2011, prospectus supplement No.&nbsp;11 dated November&nbsp;30, 2011, prospectus supplement No.&nbsp;12
dated December&nbsp;1, 2011 and prospectus supplement No.&nbsp;13 dated December&nbsp;6, 2011 (the "Prospectus"). This prospectus supplement should be read in conjunction with the Prospectus and
may not be delivered or utilized without the Prospectus.</B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On
December&nbsp;14, 2011, NCO Group,&nbsp;Inc. filed with the Securities and Exchange Commission a current report on form&nbsp;8-K which included the attached
information. </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>The
date of this prospectus supplement is December&nbsp;14, 2011. </FONT></P>

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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=5><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION<BR>  </B></FONT><FONT SIZE=2><B>Washington, DC 20549  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=5><B>FORM 8-K  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=3><B>CURRENT REPORT<BR>
PURSUANT TO SECTION&nbsp;13 OR 15(D) OF THE<BR>
SECURITIES EXCHANGE ACT OF&nbsp;1934  </B></FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>Date of report (Date of earliest event reported): December&nbsp;14, 2011 </FONT></P>

<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=5><B>NCO Group,&nbsp;Inc.  </B></FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<p style="font-family:times;"></FONT></P>

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</FONT> <FONT SIZE=2> (Exact Name of Registrant as Specified in Its Charter)</FONT></TD>
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<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><BR><FONT SIZE=2><B> Delaware</B></FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2><B><BR>&nbsp;</B></FONT></TD>
<TD ALIGN="CENTER" style="font-family:times;"><BR><FONT SIZE=2><B>333-173514; 333-165975;<BR>
333-150885; 333-158745</B></FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><B><BR>&nbsp;</B></FONT></TD>
<TD ALIGN="CENTER" VALIGN="BOTTOM" style="font-family:times;"><BR><FONT SIZE=2><B>02-0786880</B></FONT></TD>
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<TD ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>(State or other jurisdiction of incorporation)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>(Commission File Number)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>(IRS Employer Identification No.)</FONT></TD>
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<TD ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>507 Prudential Road, Horsham, Pennsylvania</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>19044</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD COLSPAN=3 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>


<HR NOSHADE SIZE="1.0pt" WIDTH="100%" COLOR="#000000">

</FONT> <FONT SIZE=2>&nbsp;</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>(Address of principal executive offices)</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>(Zip Code)</FONT></TD>
</TR>
<TR VALIGN="BOTTOM">
<TD COLSPAN=3 ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><BR>
<BR>
Registrant's telephone number, including area code <U>(215)&nbsp;441-3000</U><BR>
<BR>
Not Applicable<BR>


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</FONT> <FONT SIZE=2> (Former name or former address, if changed since last report)<BR></FONT>
</TD>
</TR>
</TABLE></DIV>
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 </DIV>
 <P style="font-family:times;"><FONT SIZE=2>Check
the appropriate box below if the Form&nbsp;8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see
General Instruction&nbsp;A.2. below): </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>[&nbsp;&nbsp;&nbsp;&nbsp;]&nbsp;Written
communications pursuant to Rule&nbsp;425 under the Securities Act (17 CFR 230.425) </FONT></P>


<P style="font-family:times;"><FONT SIZE=2>[&nbsp;&nbsp;&nbsp;&nbsp;]&nbsp;Soliciting
material pursuant to Rule&nbsp;14a-12 under the Exchange Act (17 CFR 240.14a-12) </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>[&nbsp;&nbsp;&nbsp;&nbsp;]&nbsp;Pre-commencement
communications pursuant to Rule&nbsp;14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) </FONT></P>

<P style="font-family:times;"><FONT SIZE=2>[&nbsp;&nbsp;&nbsp;&nbsp;]&nbsp;Pre-commencement
communications pursuant to Rule&nbsp;13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) </FONT></P>
 <p style="font-family:times;line-height:1pt;margin-left:18pt;"><font> </FONT> <FONT SIZE=2>
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&nbsp;&nbsp;&nbsp;
</font></p>
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style="width:100%;border-top:solid #000000 1.0pt;padding:0in 0in 0in 0in;font-size:3.0pt;"></div>
<div style="width:100%;border-top:solid #000000 3.0pt;padding:0in 0in 0in 0in;font-size:4.0pt;"></div> </FONT></P>

<HR NOSHADE>
<P style='font-family:times;page-break-before:always'></p>
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</FONT></P>

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<P style="font-family:times;"><FONT SIZE=2><A
NAME="ka15305_item_8.01_#151;other_events."> </A>
<A NAME="toc_ka15305_1"> </A></FONT> <FONT SIZE=2><B>  Item&nbsp;8.01&#151;Other Events.    <BR>    </B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On December&nbsp;14, 2011, NCO Group,&nbsp;Inc. (the "Company") issued a press release announcing that it is not moving ahead with
its previously announced $300&nbsp;million senior notes offering due to the rates currently available in the market. The Company also announced that it has terminated its two concurrent cash tender
offers and consent solicitations for any and all of its $200,000,000 aggregate principal amount of 11.875% Senior Subordinated Notes due 2014 and $165,000,000 aggregate principal amount of Floating
Rate Senior Notes due 2013. A copy of the press release is attached hereto as Exhibit&nbsp;99.1 and is incorporated herein by reference.  </FONT></P>


<P style="font-family:times;"><FONT SIZE=2><A
NAME="ka15305_item_9.01_#151;financial_statements_and_exhibits"> </A>
<A NAME="toc_ka15305_2"> </A></FONT> <FONT SIZE=2><B>  Item&nbsp;9.01&#151;Financial Statements and Exhibits    <BR>    </B></FONT></P>

<DL compact>
<DT style='font-family:times;margin-bottom:-11pt;'><FONT SIZE=2>(d)</FONT></DT><DD style="font-family:times;"><FONT SIZE=2>Exhibits </FONT></DD></DL>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<p style="font-family:times;"></FONT></P>

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<TR VALIGN="BOTTOM">
<TH COLSPAN=2 ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>No. </B></FONT></TH>
<TH style="font-family:times;"><FONT SIZE=1>&nbsp;</FONT></TH>
<TH ALIGN="CENTER" style="font-family:times;border-bottom:solid #000000 1.0pt;"><FONT SIZE=1><B>Description </B></FONT></TH>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD ALIGN="RIGHT" style="font-family:times;"><FONT SIZE=2>99.1</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>Press Release dated December&nbsp;14, 2011.</FONT></TD>
</TR>
</TABLE></DIV>
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 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>2</FONT></P>

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<P style='font-family:times;page-break-before:always'></p>
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NAME="page_kc15305_1_3"> </A>


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</FONT></P>

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<P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2><A
NAME="kc15305_signatures"> </A>
<A NAME="toc_kc15305_1"> </A>
<BR></FONT><FONT SIZE=2><B>  SIGNATURES    <BR>    </B></FONT></P>

<P style="font-family:times;"><FONT SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its
behalf by the undersigned hereunto duly authorized. </FONT></P>
 <DIV style="padding:0pt;position:relative;width:80%;margin-left:10%;">
<p style="font-family:times;"></FONT></P>

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<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="40pt" style="font-family:times;"></TD>
<TD WIDTH="12pt" style="font-family:times;"></TD>
<TD WIDTH="43%" style="font-family:times;"></TD>
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<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD COLSPAN=3 style="font-family:times;"><FONT SIZE=2>NCO GROUP,&nbsp;INC.</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><BR><FONT SIZE=2>Date: December&nbsp;14, 2011</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD style="font-family:times;"><BR><FONT SIZE=2>  By:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2><BR>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><BR><FONT SIZE=2>/s/&nbsp;JOSHUA GINDIN<BR>


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</FONT>
 </TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>Name:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Joshua Gindin</FONT></TD>
</TR>
<TR VALIGN="TOP">
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>Title:</FONT></TD>
<TD style="font-family:times;"><FONT SIZE=2>&nbsp;</FONT></TD>
<TD VALIGN="BOTTOM" style="font-family:times;"><FONT SIZE=2>Executive Vice President and General Counsel</FONT></TD>
</TR>
</TABLE></DIV>
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 </DIV>
 <P ALIGN="CENTER" style="font-family:times;"><FONT SIZE=2>3</FONT></P>

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<P style='font-family:times;page-break-before:always'></p>
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<BR>
<P><br><A NAME="11ZDV15306_1">QuickLinks</A><br></P><!-- TOC_BEGIN -->
<UL>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_be15306_1">Filed Pursuant to Rule 424(b)(3) File Number 333-173514; 333-165975; 333-158745; 333-150885</A></FONT><BR>
</UL>
<!-- TOC_BEGIN -->
<UL>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_ka15305_1">Item 8.01&#151;Other Events.</A></FONT><BR>
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_ka15305_2">Item 9.01&#151;Financial Statements and Exhibits</A></FONT><BR>
</UL>
<!-- TOC_BEGIN -->
<FONT SIZE=2 style="font-family:times;"><A HREF="#toc_kc15305_1">SIGNATURES</A></FONT><BR>
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