Exhibit 3.1.20

DEAN HELLER

Nevada Secretary of State

101 North Carson Street, Suite 3

Carson City, Nevada 89701-4786

Filed 02/08/2001

FILE# C3275-01

ARTICLES OF INCORPORATION
(PURSUANT TO NRS 78)

Name of Corporation

NCOP I, Inc.

Resident Agent Name and Street Address:

CSC Services of Nevada, Inc.
502 East John Street
Carson City, NEVADA 89706

Number of shares

with par value

Par Value

with out par value

1,000

1.00

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

Purpose

The purpose of this corporation shall be:

To purchase and/or service receivables

Other Matters:

Number of addition pages: 1

Names, Addresses and

Brian H. Callahan

Signature:

/s/ Brian H. Callahan

Signatures of Incorporators:

515 Pennsylvania Avenue

Ft. Washington, PA 19034

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

Date

on behalf of CSC Services of Nevada, Inc.

EXHIBIT A

DIRECTORS OF NCOP I, 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

DEAN HELLER

Nevada Secretary of State

202 North Carson Street

Carson City, Nevada 89701-4201

Filed 02/18/2004

FILE# C29778-99

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.

	ROSS MILLER
	Secretary of State
	204 North Carson Street, Ste 1
	Carson City, Nevada 89701-4299
	(775) 684 5708
	Website: www.nvsos.gov

	Filed in the office of	Document Number
		00002210652-58

		Filing Date and Time
Articles of Conversion		02/27/2009 9:46 AM
	Ross Miller
(PURSUANT TO NRS 92A.205)	Secretary of State	Entity Number
	State of Nevada	C3275-2001

USE BLACK INK ONLY - DO NOT HIGHLIGHT	ABOVE SPACE IS FOR OFFICE USE ONLY

Articles of Conversion
(Pursuant to NRS 92A.205)

1. Name and jurisdiction of organization of constituent entity and resulting entity:

NCOP I, Inc.

Name of constituent entity

Nevada		Corporation
Jurisdiction		Entity type*

and,

NCOP I, LLC

Name of resulting entity

Nevada		Limited Liability Company
Jurisdiction		Entity type*

2. A plan of conversion has been adopted by the constituent entity in compliance with the law of the jurisdiction governing the constituent entity.

3. Location of plan of conversion: (check one)

o The entire plan of conversion is attached to these articles.

x The complete executed plan of conversion is on file at the registered office or principal place of business of the resulting entity.

o The complete executed plan of conversion for the resulting domestic limited partnership is on file at the records office required by NRS 88.330.

* corporation, limited partnership, limited-liability limited partnership, limited-liability company or business trust.

This form must be accompanied by appropriate fees.		Nevada Secretary of State 92A Conversion Page 5
		Revised: 7-1-08

	ROSS MILLER
	Secretary of State
	204 North Carson Street, Ste 1
	Carson City, Nevada 89701-4299
	(775) 684 5708
	Website: www.nvsos.gov


Articles of Conversion

(PURSUANT TO NRS 92A.205)

USE BLACK INK ONLY - DO NOT HIGHLIGHT

ABOVE SPACE IS FOR OFFICE USE ONLY

4. Forwarding address where copies of process may be sent by the Secretary of State of Nevada (if a foreign entity is the resulting entity in the conversion):

Attn:	N/A

c/o:

5. Effective date of conversion (optional) (not to exceed 90 days after the articles are filed pursuant to NRS 92A.240)*: 2/27/09

6. Signatures - must be signed by:

1. If constituent entity is a Nevada entity: an officer of each Nevada corporation; all general partners of each Nevada limited partnership or limited-liability limited partnership; a manager of each Nevada limited-liability company with managers or one member if there are no managers; a trustee of each Nevada business trust; a managing partner of a Nevada limited-liability partnership (a.k.a. general partnership governed by NRS chapter 87).

2. If constituent entity is a foreign entity: must be signed by the constituent entity in the manner provided by the law governing it.

NCOP I, Inc.

Name of constituent entity

X /s/ Candace R. Corra		Assistant Secretary		2/26/09
Signature		Title		Date

* Pursuant to NRS 92A.205(4) if the conversion takes effect on a later date specified in the articles of conversion pursuant to NRS 92A.240, the constituent document filed with the Secretary of State pursuant to paragraph (b) subsection 1 must state the name and the jurisdiction of the constituent entity and that the existence of the resulting entity does not begin until the later date.
This statement must be included within the resulting entity’s articles.

FILING FEE: $350.00

IMPORTANT: Failure to include any of the above information and submit with the proper fees may cause this filing to be rejected.

This form must be accompanied by appropriate fees.		Nevada Secretary of State 92A Conversion Page 6
		Revised: 7-1-08

	ROSS MILLER
	Secretary of State
	204 North Carson Street, Ste 1
	Carson City, Nevada 89701-4299
	(775) 684 5708
	Website: www.nvsos.gov

		Filed in the office of	Document Number
			00002210653-69

Articles of Organization			Filing Date and Time
Limited-Liability Company			02/27/2009 9:46 AM

(PURSUANT TO CHAPTER 86)		Ross Miller	Entity Number
		Secretary of State	C3275-2001
		State of Nevada

USE BLACK INK ONLY - DO NOT HIGHLIGHT		ABOVE SPACE IS FOR OFFICE USE ONLY

1. Name of Limited- Liability Company: (must contain approved limited-liability company wording; see instructions)

NCOP I, LLC

Check box if a
Series Limited-
Liability Company
o

2. Registered Agent for Service of Process: (check only one box)

Commercial Registered Agent:

Nevada Incorporators & Registration Service, LLC

Name

Noncommercial Registered Agent

Office or Position with Entity

(name and address below)

Name of Noncommercial Registered Agent OR Name of Title of Office or Other Position with Entity

Nevada

Street Address

City

Zip Code

Nevada

Mailing Address (if different from street address)

City

Zip Code

3. Dissolution

Latest date upon which the company is to dissolve (if existence is not perpetual):

Date: (optional)

4. Management: (required)

Company shall be managed by:

Manager(s)

Member(s)

(check only one box)

5. Name and Address of each Manager or Managing Member: (attach additional page if more than 3)

NCOP Nevada Holdings, Inc.

Name

3763 Howard Hughes Parkway, Suite 170A

Las Vegas

89169

Street Address

City

State

Zip Code

Name

Street Address

City

State

Zip Code

Name

Street Address

City

State

Zip Code

6. Name, Address and Signature of Organizer: (attach additional page if more than 1 organizer)

Candace R. Corra

X /s/ Candace R. Corra

Name

Organizer Signature

3763 Howard Hughes Parkway, Suite 170

Las Vegas

89169

Address

City

State

Zip Code

7. Certificate of Acceptance of Appointment of Registered Agent

I hereby accept appointment as Registered Agent for the above named Entity.

X /s/ Candace R. Corra

2/26/09

Authorized Signature of Registered Agent or On Behalf of Registered Agent Entity

Date

This form must be accompanied by appropriate fees.		Nevada Secretary of State NRS 86 DLLC Articles
		Revised on 7-1-08