Our Customers

One of Encore Capital Group's key strengths is providing flexible settlement strategies to help consumers resolve their delinquent debt, while respecting these individuals as valued customers of the credit originators.

Encore Capital Group, Inc. purchases discrete pools of consumer receivables directly from originators and other lenders, as well as from a variety of resellers. Once we have purchased the receivables portfolios, we work closely with those customers to evaluate sources and means of repayment to achieve a lump sum settlement or to develop payment programs customized to the individual's ability to pay. In some cases, our collectors advise the debtors of alternative sources of financing to pay off their debt, such as a home equity line of credit. We accept a variety of payment methods including checks, the Western Union Quick Collect® system, credit and debit cards, and wire transfers.

Because the status of debtors changes continually, we re-analyze all of our accounts each quarter using refreshed credit bureau data, which we supplement with information garnered from our own collection efforts. As circumstances dictate, we alter our collection method for each account accordingly, working with the debtor to facilitate their commitment to repayment over time.