Encore Capital Group is an international specialty finance company with operations and investments in 15 countries. Our subsidiaries purchase portfolios of consumer receivables from major banks, credit unions, utility providers, and municipalities, and partner with individuals as they repay their obligations and work toward financial recovery.

Subsidiaries include Midland Credit Management, which purchases and services unsecured consumer debt in the US;  Grove Capital Management, and Cabot Credit Management, which acquire and service consumer debt in the United Kingdom,  Rep. of Ireland and Spain; Lucania Gestión, a leader in the Spanish debt collection industry; Baycorp, a company at the forefront of debt purchasing and contingency collections in Australia and New Zealand and Refinancia, which services distressed consumer debt in Colombia and Peru.

Encore’s success is fueled by our demonstrated commitment to conducting business ethically and in ways that support consumers’ financial recovery, sophisticated and widespread use of analytics, significant investments in data and behavioral science, and cost advantages provided by our highly efficient operating model and proven investment strategy.

In 2011, Encore and Midland Credit Management unveiled the industry’s first and only Consumer Bill of Rights, which codifies the company’s commitment to respectful consumer treatment. We strive every day to treat consumers with dignity and respect as they work toward financial recovery. Some of the tenets of our Consumer Bill of Rights include contacting consumers in a timely and effective manner, resolving accounts quickly and honestly, forgiveness of debt in times of hardship, collection practices that preserve dignity, and fair and reasonable use of litigation. In 2016, updates were made to the Consumer Bill of Rights to further reflect Encore’s consumer-centric practices. The expanded Consumer Bill of Rights not only contains Encore’s policy toward ceasing collections for active duty military personnel, but also includes provisions for maximizing consumer understanding of their obligations, enhanced consumer disclosures, a debt validation period that goes beyond the current legal requirement, and a grace period before commencing credit reporting of debt.

In 2013, Encore Capital Group launched our global Corporate Social Responsibility program, which demonstrates the company’s commitment to support our employees and communities through volunteerism, financial donations and strategic nonprofit partnerships.

Encore’s Consumer Credit Research Institute (CCRI), is an effort to support data-driven research analyzing the impact of public policy on the availability and affordability of credit to consumers. In the past, CCRI has partnered with leading universities, not-for-profit institutions, and policy agencies to research consumer financial behavior, explore the ways in which consumers get into financial trouble, and look for ways to break the cycle of chronic debt that can lead to financial distress.

Headquartered in San Diego, Encore is a publicly traded NASDAQ Global Select company (ticker symbol: ECPG) and a component stock of the Russell 2000, the S&P SmallCap 600, and the Wilshire 4500. The company collected more than $1.7 billion in 2015.

The company’s US operations include facilities in San Diego; Phoenix; St. Cloud, MN; Troy, MI; New Freedom, PA; and Roanoke, VA.