0001059772-03-000002 4 1 20030128 20030204

MANDELL RICHARD 0001059772 DIRECTOR

C/O ENCORE CAPITAL GROUP INC 5775 ROSCOE COURT SAN DIEGO CA 92126 8584454581

ENCORE CAPITAL GROUP INC 0001084961 6153 481090909 DE 1231

4 34 000-26489 03539303

5775 ROSECOE COURT SAN DIEGO CA 92123 8007590327

5775 ROSCOE COURT SAN DIEGO CA 92123

MIDLAND CORP OF KANSAS 19990423

MCM CAPITAL GROUP INC 19990430

4 1 form4_mandell020403.txt FORM4 MANDELL