Encore Capital Group is an international specialty finance company with operations in 14 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.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.