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  <xsd:element abstract="true" id="ecpg_IncentiveCompensationPlan2013Member" name="IncentiveCompensationPlan2013Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_IncomeTaxHolidayTerm" name="IncomeTaxHolidayTerm" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_IncomeTaxesLineItems" name="IncomeTaxesLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_IncomeTaxesTable" name="IncomeTaxesTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_IndemnificationAgreementsLiabilityAtFairValue" name="IndemnificationAgreementsLiabilityAtFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="ecpg_InvestmentinReceivablesPortfolioRollForward" name="InvestmentinReceivablesPortfolioRollForward" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_JBridgePreferredEquityCertificatesMember" name="JBridgePreferredEquityCertificatesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_JCFlowersAndCompanyLimitedLiabilityCompanyMember" name="JCFlowersAndCompanyLimitedLiabilityCompanyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_JPreferredEquityCertificatesMember" name="JPreferredEquityCertificatesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_JanusHoldingsMember" name="JanusHoldingsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_LineOfCreditFacilityMaximumBorrowingCapacityIncludingAccordionFacility" name="LineOfCreditFacilityMaximumBorrowingCapacityIncludingAccordionFacility" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="ecpg_LineofCreditFacilityIncreasetoMaximumBorrowingCapacityAccordionProvision" name="LineofCreditFacilityIncreasetoMaximumBorrowingCapacityAccordionProvision" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="ecpg_LineofCreditFacilityPeriodSubsequenttoDrawPeriodDisallowedDrawPeriod" name="LineofCreditFacilityPeriodSubsequenttoDrawPeriodDisallowedDrawPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_LitigationSettlementPenalty" name="LitigationSettlementPenalty" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="ecpg_LossContingencyDebtForgiveness" name="LossContingencyDebtForgiveness" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="ecpg_MarlinMember" name="MarlinMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_MaximumAdditionalUnsecuredDebt" name="MaximumAdditionalUnsecuredDebt" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="ecpg_MaximumLoanToValueRatio" name="MaximumLoanToValueRatio" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_NonVestedSharesMember" name="NonVestedSharesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_NumberofDebtAgreements" name="NumberofDebtAgreements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_OperatingIncomeLossBeforeDepreciationAndAmortizationStockCompensationAndOtherExpense" name="OperatingIncomeLossBeforeDepreciationAndAmortizationStockCompensationAndOtherExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="ecpg_OtherAssetsRecoverableFees" name="OtherAssetsRecoverableFees" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="ecpg_OtherDeferredCostsCourtCostReserveEffectofForeignCurrencyTranslation" name="OtherDeferredCostsCourtCostReserveEffectofForeignCurrencyTranslation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_OtherExpenseIncomeMember" name="OtherExpenseIncomeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_OtherGeographiesMember" name="OtherGeographiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_OtherLongTermDebtAndLineOfCreditFacilityAmountOutstanding" name="OtherLongTermDebtAndLineOfCreditFacilityAmountOutstanding" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="ecpg_OtherReceivableDuefromSeller" name="OtherReceivableDuefromSeller" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="ecpg_PercentageOfEligibleEstimatedRemainingCollections" name="PercentageOfEligibleEstimatedRemainingCollections" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_PercentageOfMultiplyingFactor" name="PercentageOfMultiplyingFactor" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_PercentageOfOutstandingVotingStock" name="PercentageOfOutstandingVotingStock" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_PercentageToBeAddedToAdjustedBaseRateForAlternateBaseRate" name="PercentageToBeAddedToAdjustedBaseRateForAlternateBaseRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_PercentageToBeAddedToBaseRateForAlternateBaseRate" name="PercentageToBeAddedToBaseRateForAlternateBaseRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_PortfolioPurchasingAndRecoveryMember" name="PortfolioPurchasingAndRecoveryMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_PreferredEquityCertificateMember" name="PreferredEquityCertificateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_PreferredEquityCertificates" name="PreferredEquityCertificates" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="ecpg_PropelFacilityIIAmendedMember" name="PropelFacilityIIAmendedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_PropelFacilityIIMember" name="PropelFacilityIIMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_PropelFacilityIMember" name="PropelFacilityIMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_PropelFacilityMember" name="PropelFacilityMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_PropelMember" name="PropelMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_PropelTermLoanFacilityMember" name="PropelTermLoanFacilityMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_PropelWellsFargoFacilityMember" name="PropelWellsFargoFacilityMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_PropertyTaxPaymentAgreementsReceivableNet" name="PropertyTaxPaymentAgreementsReceivableNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="ecpg_PropertyTaxPaymentAgreementsReceivablePrincipalBalance" name="PropertyTaxPaymentAgreementsReceivablePrincipalBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="ecpg_PropertyTaxPaymentAgreementsReceivableSecuredbyTaxLienNonAccrualBasis" name="PropertyTaxPaymentAgreementsReceivableSecuredbyTaxLienNonAccrualBasis" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="ecpg_ProvisionForCourtCostSpent" name="ProvisionForCourtCostSpent" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="ecpg_PurchaseCommitmentFaceAmount" name="PurchaseCommitmentFaceAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="ecpg_RateOfTaxForeclosure" name="RateOfTaxForeclosure" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_ReceivablePortfoliosPercentageOfFaceValueOnPurchaseCost" name="ReceivablePortfoliosPercentageOfFaceValueOnPurchaseCost" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_ReclassificationsofPermanenttoTemporaryEquityDebtConversion" name="ReclassificationsofPermanenttoTemporaryEquityDebtConversion" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="ecpg_RedeemableNoncontrollingInterestsPolicyTextBlock" name="RedeemableNoncontrollingInterestsPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_RestatedCreditAgreementMember" name="RestatedCreditAgreementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_RevenueAsPercentageOfCollections" name="RevenueAsPercentageOfCollections" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_ReversalProvisionForAllowancesOnReceivablePortfoliosNet" name="ReversalProvisionForAllowancesOnReceivablePortfoliosNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_SalariesAndEmployeeBenefitsMember" name="SalariesAndEmployeeBenefitsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_ScheduleOfAccretableYieldAndEstimateOfZeroBasisFutureCashFlowsTableTableTextBlock" name="ScheduleOfAccretableYieldAndEstimateOfZeroBasisFutureCashFlowsTableTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_ScheduleOfChangeInValuationAllowanceForInvestmentInReceivablePortfolioTableTextBlock" name="ScheduleOfChangeInValuationAllowanceForInvestmentInReceivablePortfolioTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_ScheduleOfChangesInBalanceOfInvestmentInReceivablePortfoliosTableTableTextBlock" name="ScheduleOfChangesInBalanceOfInvestmentInReceivablePortfoliosTableTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_ScheduleOfCourtCostReserveTableTextBlock" name="ScheduleOfCourtCostReserveTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_ScheduleOfDeferredCourtCostsTableTextBlock" name="ScheduleOfDeferredCourtCostsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_ScheduleOfDifferenceBetweenIncomeTaxBenefitAndAmountFromFederalStatutoryIncomeTaxRateTableTableTextBlock" name="ScheduleOfDifferenceBetweenIncomeTaxBenefitAndAmountFromFederalStatutoryIncomeTaxRateTableTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_ScheduleOfFutureMinimumLeasePaymentsAbstract" name="ScheduleOfFutureMinimumLeasePaymentsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_SegmentReportingSegmentOperatingIncomePercentage" name="SegmentReportingSegmentOperatingIncomePercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_SegmentReportingSegmentRevenuePercentage" name="SegmentReportingSegmentRevenuePercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_SeniorNotesOriginalAmount" name="SeniorNotesOriginalAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="ecpg_SeniorSecuredCabotFloatingRateNotesMember" name="SeniorSecuredCabotFloatingRateNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_SeniorSecuredNotesPresentValueInputsDiscountRateSpread" name="SeniorSecuredNotesPresentValueInputsDiscountRateSpread" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_ServiceFeeReceivable" name="ServiceFeeReceivable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="ecpg_ShareBasedCompensationArrangementByShareBasedPaymentAwardExercisableOptionPricePerShare" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardExercisableOptionPricePerShare" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="instant" />
  <xsd:element id="ecpg_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodOptionPricePerShare" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodOptionPricePerShare" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_ShareBasedCompensationArrangementByShareBasedPaymentAwardOutstandingOptionPricePerShare" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOutstandingOptionPricePerShare" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="ecpg_SharebasedCompensationSharesAuthorizedunderStockOptionPlansExercisePriceRangeRollForward" name="SharebasedCompensationSharesAuthorizedunderStockOptionPlansExercisePriceRangeRollForward" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_StockIssuedDuringPeriodSharesStockOptionsExercisedIncludesRestrictedStockUnitsNetOfTaxWithholding" name="StockIssuedDuringPeriodSharesStockOptionsExercisedIncludesRestrictedStockUnitsNetOfTaxWithholding" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_StockIssuedDuringPeriodValueStockOptionsExercisedIncludesRestrictedStockUnitsNetOfTaxWithholdings" name="StockIssuedDuringPeriodValueStockOptionsExercisedIncludesRestrictedStockUnitsNetOfTaxWithholdings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="ecpg_StockRepurchaseProgramMaximumAmountOfCommonStock" name="StockRepurchaseProgramMaximumAmountOfCommonStock" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_SubsequentFourYearsFromDecemberThirtyFirstAndTwoThousandEighteenMember" name="SubsequentFourYearsFromDecemberThirtyFirstAndTwoThousandEighteenMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_TaxHolidayThroughDecemberThirtyFirstAndTwoThousandEighteenMember" name="TaxHolidayThroughDecemberThirtyFirstAndTwoThousandEighteenMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_TaxLienBusinessMember" name="TaxLienBusinessMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_TenPointFivePercentSeniorSecuredNotesDueTwoThousandTwentyMember" name="TenPointFivePercentSeniorSecuredNotesDueTwoThousandTwentyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_TermLoanMember" name="TermLoanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_TermLoanOneMember" name="TermLoanOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_TermLoanThreeMember" name="TermLoanThreeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_TermLoanTwoMember" name="TermLoanTwoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_ThreeMonthEURIBORMember" name="ThreeMonthEURIBORMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_TradeNameAndOtherMember" name="TradeNameAndOtherMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_TwoThousandElevenSeniorSecuredNotesMember" name="TwoThousandElevenSeniorSecuredNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_TwoThousandSeventeenConvertibleSeniorNotesMember" name="TwoThousandSeventeenConvertibleSeniorNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_TwoThousandTenSeniorSecuredNotesMember" name="TwoThousandTenSeniorSecuredNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_TwoThousandTwentyConvertibleSeniorNotesMember" name="TwoThousandTwentyConvertibleSeniorNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_TwoThousandTwentyOneConvertibleSeniorNotesMember" name="TwoThousandTwentyOneConvertibleSeniorNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_UnrecognizedTaxBenefitsIncludingPenaltiesandInterest" name="UnrecognizedTaxBenefitsIncludingPenaltiesandInterest" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="ecpg_UnrecognizedTaxBenefitsIncreaseResultingfromCurrentandPriorPeriodTaxPositions" name="UnrecognizedTaxBenefitsIncreaseResultingfromCurrentandPriorPeriodTaxPositions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="ecpg_WriteOffOfReserveAfterSixtyMonths" name="WriteOffOfReserveAfterSixtyMonths" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_ZeroBasisPortfoliosMember" name="ZeroBasisPortfoliosMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_ZeroBasisRevenue" name="ZeroBasisRevenue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
</xsd:schema>
