<SUBMISSION>
<ACCESSION-NUMBER>0001084961-04-000026
<TYPE>8-K
<PUBLIC-DOCUMENT-COUNT>4
<PERIOD>20040206
<ITEMS>9
<FILING-DATE>20040220
<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>04618409
</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_pr020604.htm
<DESCRIPTION>FORM 8K PRESS RELEASE 02-06-04
<TEXT>
<HTML>
<HEAD>
<TITLE>Form 8K Press Release 11-05-03</TITLE>
</HEAD>
<BODY>



<HR SIZE=3 align=center width=60% color=black >
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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>


<HR SIZE=3 align=center width=20% color=black NOSHADE>
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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>

<HR SIZE=3 align=center width=20% color=black NOSHADE><BR>

<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->

<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): February 6, 2004 </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>




<TABLE CELLPADDING="0" CELLSPACING="0" border="0" WIDTH="600" ALIGN="CENTER">
<TR VALIGN=Bottom>
     <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>

<HR SIZE=3 align=center width=60% color=black ><BR>
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<HR SIZE=2 COLOR=GRAY NOSHADE>
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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>

<!-- MARKER FORMAT-SHEET="Para Large Indent" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On
February 6, 2004 the Company issued a press release announcing that it will host a conference call to discuss fourth quarter
2003 financial results and operational highlights at 5:00 p.m. Eastern Time/2:00
p.m. Pacific Time on Tuesday, March 2, 2004. 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>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On
February 11, 2004, the Company issued a press release announcing that the Company&#146;s
financial results for the fourth quarter  of 2003 will be released after the market
closes on March 2, 2004, rather than before the market opens, as previously indicated.
 The timing of the conference call to discuss 2003 financial results remains unchanged.
 A copy of the press release is attached to this Current Report on Form 8-K as Exhibit
99.2 and is incorporated herein solely for purposes of this Item 9. </FONT></P>



<!-- MARKER FORMAT-SHEET="Para Large Indent" FSL="Default" -->
<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 exhibits, 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 exhibits, 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>

<!-- MARKER FORMAT-SHEET="Head Major Center Bold" FSL="Default" -->
<A NAME=A002></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>SIGNATURES </FONT></H1>

<!-- MARKER FORMAT-SHEET="Para Indent" FSL="Default" -->
<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>

<TABLE CELLPADDING=0 CELLSPACING=0 BORDER=0  WIDTH=600>
<TR VALIGN=Bottom>
     <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>February 19, 2004</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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<HR SIZE=2 COLOR=GRAY NOSHADE>


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


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<TABLE WIDTH=100% CELLPADDING=0 CELLSPACING=0 BORDER=0>
<TR VALIGN=TOP>
<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 February 6, 2004. </FONT></TD>
</TR>
<TR VALIGN=TOP>
<TD WIDTH=9%><FONT FACE="Times New Roman, Times, Serif" SIZE=2><BR>&nbsp;&nbsp; 99.2  </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 February 11, 2004. </FONT></TD>
</TR>
</TABLE>




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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>3
<FILENAME>pressrelease_020604.htm
<DESCRIPTION>PRESS RELEASE 02-06-04
<TEXT>
<HTML>
<HEAD>
<TITLE>Press Release- Conference Call/ Webcast</TITLE>
</HEAD>
<BODY>


<!-- MARKER FORMAT-SHEET="Head Right-TNR" FSL="Project" -->
<P ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Exhibit 99.1 </FONT></P>

<IMG SRC="logo2.jpg">


<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2> </FONT></H1>

<!-- MARKER FORMAT-SHEET="Head Major Center Bold-TNR" FSL="Project" -->
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Encore Capital Group,
Inc. Announces 2003 Earnings Conference Call and Webcast</U>  </FONT></H1>

<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>San Diego, CA, Feb. 6, 2004</B> &#151; Encore Capital Group, Inc. (Nasdaq:ECPG) will host a
conference call to discuss 2003 financial results and operational highlights at 5:00 p.m.
Eastern Time/2:00 p.m. Pacific Time on Tuesday, March 2, 2004.  </FONT></P>


<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>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>


<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Company&#146;s financial results
for 2003 will be released over the news wires before the market opens on Tuesday, March
2, 2004.  </FONT></P>


<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Encore Capital Group, Inc. is a
systems-driven purchaser and manager of charged-off consumer receivable portfolios. </FONT></P>



<TABLE CELLPADDING="4" CELLSPACING="4"  WIDTH="760">
<TR VALIGN="BOTTOM">
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="15%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">CONTACT:</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>
     <TD WIDTH="35%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD></TR>

<TR VALIGN="BOTTOM">
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH></TR>
<TR VALIGN="TOP">
     <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>

(858) 309-6961<BR>
<U>carl.gregory@encorecapitalgroup.com</U></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"> </FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">
</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">SOURCE:  </FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Encore Capital Group, Inc.</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">
</FONT></TD></TR>


</TABLE>

<BR><BR>





<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#147;Safe Harbor&#148; Statement
under the Private Securities Litigation Reform Act of 1995: Statements in this press
release regarding Encore Capital Group&#146;s business which are not historical facts are
&#147;forward-looking statements&#148; that involve risks and uncertainties. For a
discussion of such risks and uncertainties, which could cause actual results to differ
from those contained in the forward-looking statements, see &#147;Risk Factors&#148; in
the Company&#146;s Annual Report or Form 10-K for the most recently ended fiscal year.  </FONT></P>


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end

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>5
<FILENAME>prsrelease021104.htm
<DESCRIPTION>PRESS RELEASE 02-11-04
<TEXT>
<HTML>
<HEAD>
<TITLE>Press Release- Conference Call/ Webcast</TITLE>
</HEAD>
<BODY>


<!-- MARKER FORMAT-SHEET="Head Right-TNR" FSL="Project" -->
<P ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Exhibit 99.2 </FONT></P>

<IMG SRC="logo2.jpg">


<!-- MARKER FORMAT-SHEET="Head Major Center Bold 1-TNR" FSL="Project" -->

<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>Encore Capital Group,
Inc. Corrects Time For Issuance of  <BR>Fourth Quarter 2003
Financial Results </U></FONT></H1>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>San Diego, Calif., February 11,
2004 </B>&#151; Encore Capital Group, Inc. (Nasdaq: ECPG) today announced that the Company&#146;s
financial results for the fourth quarter of 2003 will be released over the news wires
after the market closes on Tuesday, March 2, 2004, rather than before the market opens as
previously indicated.  </FONT></P>



<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The timing of the conference  call
to discuss 2003 financial  results and  operational  highlights  remains  unchanged at
5:00 p.m. Eastern Time/2:00 p.m. Pacific Time on Tuesday, March 2, 2004.  </FONT></P>





<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Encore Capital Group, Inc. is a
systems-driven purchaser and manager of charged-off consumer receivable portfolios.  </FONT></P>




<TABLE CELLPADDING="4" CELLSPACING="4" WIDTH="760">
<TR VALIGN="BOTTOM">
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH></TR>
<TR VALIGN="TOP">
     <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>
     <TD WIDTH="35%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD></TR>

<TR VALIGN="BOTTOM">
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="1"></FONT></TH></TR>
<TR VALIGN="TOP">
     <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>
(858) 309-6961<BR>
<U>carl.gregory@encorecapitalgroup.com</U></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"> </FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">
</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">SOURCE:  </FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Encore Capital Group, Inc.</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">
</FONT></TD></TR>


</TABLE>

<BR><BR>




<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&#147;Safe Harbor&#148; Statement
under the Private Securities Litigation Reform Act of 1995: Statements in this press
release regarding Encore Capital Group&#146;s business which are not historical facts are
&#147;forward-looking statements&#148; that involve risks and uncertainties. For a
discussion of such risks and uncertainties, which could cause actual results to differ
from those contained in the forward-looking statements, see &#147;Risk Factors&#148; in
the Company&#146;s Annual Report or Form 10-K for the most recently ended fiscal year. </FONT></P>




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</TEXT>
</DOCUMENT>
</SUBMISSION>
