<SUBMISSION>
<ACCESSION-NUMBER>0001084961-03-000083
<TYPE>8-K
<PUBLIC-DOCUMENT-COUNT>2
<PERIOD>20031105
<ITEMS>9
<FILING-DATE>20031106
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>ENCORE CAPITAL GROUP INC
<CIK>0001084961
<ASSIGNED-SIC>6153
<IRS-NUMBER>481090909
<STATE-OF-INCORPORATION>DE
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>8-K
<ACT>34
<FILE-NUMBER>000-26489
<FILM-NUMBER>03982521
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>5775 ROSECOE COURT
<CITY>SAN DIEGO
<STATE>CA
<ZIP>92123
<PHONE>8007590327
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>5775 ROSCOE COURT
<CITY>SAN DIEGO
<STATE>CA
<ZIP>92123
</MAIL-ADDRESS>
<FORMER-COMPANY>
<FORMER-CONFORMED-NAME>MCM CAPITAL GROUP INC
<DATE-CHANGED>19990430
</FORMER-COMPANY>
<FORMER-COMPANY>
<FORMER-CONFORMED-NAME>MIDLAND CORP OF KANSAS
<DATE-CHANGED>19990423
</FORMER-COMPANY>
</FILER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>form8k_pr110503.htm
<DESCRIPTION>PRESS RELEASE 11-05-03
<TEXT>
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<TITLE>Form 8K Press Release 11-05-03</TITLE>
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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>UNITED STATES<BR>SECURITIES AND
EXCHANGE COMMISSION </FONT><BR><FONT FACE="Times New Roman, Times, Serif" SIZE=2>WASHINGTON, D.C. 20549 </FONT></H1>


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<A NAME=A003></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>FORM 8-K </FONT></H1>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>CURRENT REPORT </FONT><BR><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Pursuant to Section 13
or 15(d)

<BR>of the Securities
Exchange Act of 1934 </FONT></H1>

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<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
Date
of Report (Date of earliest event reported): November 5, 2003 </FONT></p>




<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3><b>Encore Capital Group,
Inc.</b> </FONT><BR><FONT FACE="Times New Roman, Times, Serif" SIZE=1>(Exact Name of
Registrant as Specified in its Charter)  </FONT></p>




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     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2> Delaware&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2> 000-26489 </FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2>48-1090909</FONT></TH></TR>
<TR VALIGN=Bottom>
     <TD WIDTH="30%" ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE="1">(State or other jurisdiction of </FONT> </TD>
     <TD WIDTH="40%" ALIGN="center"><FONT FACE="Times New Roman, Times, Serif" SIZE="1">(Commission File Number) </FONT> </TD>
     <TD WIDTH="30%" ALIGN="center"><FONT FACE="Times New Roman, Times, Serif" SIZE="1">&nbsp;(I.R.S Employer </FONT> </TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=1>incorporation or organization)</FONT></TD>
<TD ALIGN="LEFT"><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TD>
     <TD ALIGN="center"><FONT FACE="Times New Roman, Times, Serif" SIZE=1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Identification No.)</FONT></TD>
 </TR>
</TABLE>



<p ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2><b>5775 Roscoe Court</b> <BR><b>San Diego, California
92123</b></FONT><BR><FONT FACE="Times New Roman, Times, Serif" SIZE=1>(Address of Principal
Executive Offices) (Zip Code) </FONT></P>


<p ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2><b>(877) 445-4581</b> </FONT><BR>
<FONT FACE="Times New Roman, Times, Serif" SIZE=1>(Registrant&#146;s
Telephone Number, Including Area Code) </FONT></P>

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<A NAME=A001></A>
<H1 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Item 9. Regulation FD
Disclosure </FONT></H1>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On
November 5, 2003 the Company issued a press release announcing that it will host a conference call to discuss third quarter
2003 financial results and operational highlights at 5:00 p.m. Eastern Time/2:00
p.m. Pacific Time on Wednesday, November 12, 2003. A copy of the press release is attached to this Current Report on
Form 8-K as Exhibit 99.1 and is incorporated herein solely for purposes of this Item 9. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
information in this Current Report on Form 8-K, including the exhibit, is furnished
pursuant to Item 9 and shall not be deemed &#147;filed&#148; for the purposes of Section
18 of the Securities Exchange Act of 1934 or otherwise subject to the liabilities under
that Section. Furthermore, the information in this Current Report on Form 8-K, including
the exhibit, shall not be deemed to be incorporated by reference into the filings of
Encore Capital Group, Inc. under the Securities Act of 1933. </FONT></P>

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<A NAME=A002></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>SIGNATURES </FONT></H1>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused
this report to be signed on its behalf by the undersigned thereunto duly authorized. </FONT></P>

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     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TH>
     <TH align=left><FONT FACE="Times New Roman, Times, Serif" SIZE=2>ENCORE CAPITAL GROUP, INC.</FONT><BR><BR></TH></TR>
<TR VALIGN=Bottom>
     <TD WIDTH=5% ALIGN=left><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Date:</FONT></TD>
     <TD WIDTH=55% ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>November 5, 2003</FONT></TD>
     <TD WIDTH=40% ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;By<u>&nbsp;&nbsp;&nbsp;&nbsp;/s/ Barry R. Barkley&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u></FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Barry R. Barkley</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Executive Vice President,</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Chief Financial Officer and Treasurer</FONT></TD></TR>
</TABLE>
<BR><BR>


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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>EXHIBIT INDEX </FONT></H1>


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<TD WIDTH=9%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>          Exhibit  </FONT></TD>
<TD WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD>
<TD WIDTH=88%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Description
                     </FONT></TD>
</TR>
<TR VALIGN=TOP>
<TD WIDTH=9%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><BR>&nbsp;&nbsp; 99.1  </FONT></TD>
<TD WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD>
<TD WIDTH=88%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
                       <BR>Press release dated November 5, 2003. </FONT></TD>
</TR>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>3
<FILENAME>pr_confcall.htm
<DESCRIPTION>PRESS RELEASE- CONF CALL/ WEBCAST 11-05-03
<TEXT>
<HTML>
<HEAD>
<TITLE>Press Release- Conference Call/ Webcast</TITLE>
</HEAD>
<BODY>


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<P ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Exhibit 99.1 </FONT></P>




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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Encore Capital Group,
Inc. <BR>Announces Third
Quarter Earnings <BR>Conference Call and Webcast </FONT></H1>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>San
Diego, Calif., November 5, 2003 / Business Wire /</B> &#151; Encore Capital Group, Inc.
(Nasdaq: ECPG) will host a conference call to discuss third quarter 2003 financial results
and operational highlights at 5:00 p.m. Eastern Time/2:00 p.m. Pacific Time on Wednesday,
November 12, 2003. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Members
of the public are invited to listen to the Company&#146;s live quarterly conference call
via the Internet. To hear the call, log on at the Investor Relations page of the
Company&#146;s web site at www.encorecapitalgroup.com. For those who cannot listen to the
live broadcast, a replay of the conference call will be available shortly after the call
at the same location. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company&#146;s financial results for third quarter 2003 will be released over the news
wires after the market closes on Wednesday, November 12, 2003. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Encore
Capital Group, Inc. is an accounts receivable management firm that specializes in
purchasing charged-off and defaulted consumer debt. </FONT></P>


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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>##### </FONT></H1>





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     <TD WIDTH="15%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">CONTACTS:</FONT></TD>
     <TD WIDTH="45%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD WIDTH="5%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
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     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Carl C. Gregory III<BR>
Encore Capital Group, Inc.<BR>
President &amp; CEO<BR>
(858) 309-6961<BR>
carl.gregory@encorecapitalgroup.com</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Tony Rossi<BR>
FRB | Weber Shandwick<BR>
Investor Relations<BR>
(310) 407-6563<BR>
trossi@webershandwick.com</FONT></TD></TR>
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