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    <link:label id="lab_us-gaap_LeaseAndRentalExpense_208C6B8ABD52F45023C40E68B72A8831_terseLabel_en-US" xlink:label="lab_us-gaap_LeaseAndRentalExpense_208C6B8ABD52F45023C40E68B72A8831" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rent expense</link:label>
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    <link:label id="lab_ecpg_PurchaseCommitmentFaceAmount_1B8C04B544E1261D89DC0E68B72A3ED7_terseLabel_en-US" xlink:label="lab_ecpg_PurchaseCommitmentFaceAmount_1B8C04B544E1261D89DC0E68B72A3ED7" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Purchase price of receivable portfolios</link:label>
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    <link:label id="lab_us-gaap_LongTermPurchaseCommitmentAmount_7406F78F1480A39AE30C0E68B72AA049_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermPurchaseCommitmentAmount_7406F78F1480A39AE30C0E68B72AA049" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Purchase commitments in past one year</link:label>
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    <link:label id="lab_ecpg_IndemnificationAgreementsLiabilityAtFairValue_7A1A39839D4302228BD10E68B72A94F9_terseLabel_en-US" xlink:label="lab_ecpg_IndemnificationAgreementsLiabilityAtFairValue_7A1A39839D4302228BD10E68B72A94F9" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Estimated fair value, liability</link:label>
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    <link:label id="lab_us-gaap_RevenuesAbstract_57926A5874ECC302478A0B9901CB0168_label_en-US" xlink:label="lab_us-gaap_RevenuesAbstract_57926A5874ECC302478A0B9901CB0168" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Revenues [Abstract]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RevenuesAbstract" xlink:label="loc_us-gaap_RevenuesAbstract_57926A5874ECC302478A0B9901CB0168" xlink:type="locator" />
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    <link:label id="lab_ecpg_CollectionAgencyCommissions_7C333524E9509C76B9A70B9901CD7916_terseLabel_en-US" xlink:label="lab_ecpg_CollectionAgencyCommissions_7C333524E9509C76B9A70B9901CD7916" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collection agency commissions</link:label>
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    <link:label id="lab_stpr_TX_D3C57DF21F77EC9FEEE10A3EE1EC92B0_label_en-US" xlink:label="lab_stpr_TX_D3C57DF21F77EC9FEEE10A3EE1EC92B0" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">TEXAS</link:label>
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    <link:label id="lab_us-gaap_CapitalLeasesFutureMinimumPaymentsInterestIncludedInPayments_78B7722B564CF8CB856E6673183F6250_negatedLabel_en-US" xlink:label="lab_us-gaap_CapitalLeasesFutureMinimumPaymentsInterestIncludedInPayments_78B7722B564CF8CB856E6673183F6250" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Less: Interest</link:label>
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CapitalLeasesFutureMinimumPaymentsInterestIncludedInPayments" xlink:label="loc_us-gaap_CapitalLeasesFutureMinimumPaymentsInterestIncludedInPayments_78B7722B564CF8CB856E6673183F6250" xlink:type="locator" />
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    <link:label id="lab_us-gaap_CapitalLeasesFutureMinimumPaymentsPresentValueOfNetMinimumPayments_285D07B4A17BEB6432AB6673183FEDE0_totalLabel_en-US" xlink:label="lab_us-gaap_CapitalLeasesFutureMinimumPaymentsPresentValueOfNetMinimumPayments_285D07B4A17BEB6432AB6673183FEDE0" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Present value of minimal lease payments</link:label>
    <link:label id="lab_us-gaap_CapitalLeasesFutureMinimumPaymentsPresentValueOfNetMinimumPayments_285D07B4A17BEB6432AB6673183FEDE0_label_en-US" xlink:label="lab_us-gaap_CapitalLeasesFutureMinimumPaymentsPresentValueOfNetMinimumPayments_285D07B4A17BEB6432AB6673183FEDE0" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Capital Leases, Future Minimum Payments, Present Value of Net Minimum Payments</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CapitalLeasesFutureMinimumPaymentsPresentValueOfNetMinimumPayments" xlink:label="loc_us-gaap_CapitalLeasesFutureMinimumPaymentsPresentValueOfNetMinimumPayments_285D07B4A17BEB6432AB6673183FEDE0" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CapitalLeasesFutureMinimumPaymentsPresentValueOfNetMinimumPayments_285D07B4A17BEB6432AB6673183FEDE0" xlink:to="lab_us-gaap_CapitalLeasesFutureMinimumPaymentsPresentValueOfNetMinimumPayments_285D07B4A17BEB6432AB6673183FEDE0" xlink:type="arc" />
    <link:label id="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_75EF416A4D0C23372CE26673183FF5A3_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_75EF416A4D0C23372CE26673183FF5A3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]</link:label>
    <link:label id="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_75EF416A4D0C23372CE26673183FF5A3_label_en-US" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_75EF416A4D0C23372CE26673183FF5A3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:label="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_75EF416A4D0C23372CE26673183FF5A3" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_75EF416A4D0C23372CE26673183FF5A3" xlink:to="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_75EF416A4D0C23372CE26673183FF5A3" xlink:type="arc" />
    <link:label id="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent_6630D4717819811679DB6673183F7B06_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent_6630D4717819811679DB6673183F7B06" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating lease obligation, 2016</link:label>
    <link:label id="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent_6630D4717819811679DB6673183F7B06_label_en-US" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent_6630D4717819811679DB6673183F7B06" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Leases, Future Minimum Payments Due, Next Twelve Months</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:label="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent_6630D4717819811679DB6673183F7B06" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent_6630D4717819811679DB6673183F7B06" xlink:to="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent_6630D4717819811679DB6673183F7B06" xlink:type="arc" />
    <link:label id="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears_E76940F9412B541B1AEA6673183F0E54_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears_E76940F9412B541B1AEA6673183F0E54" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating lease obligation, 2017</link:label>
    <link:label id="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears_E76940F9412B541B1AEA6673183F0E54_label_en-US" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears_E76940F9412B541B1AEA6673183F0E54" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Leases, Future Minimum Payments, Due in Two Years</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:label="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears_E76940F9412B541B1AEA6673183F0E54" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears_E76940F9412B541B1AEA6673183F0E54" xlink:to="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears_E76940F9412B541B1AEA6673183F0E54" xlink:type="arc" />
    <link:label id="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears_A9B282A5EE4364B0F4CB6673183F3C9D_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears_A9B282A5EE4364B0F4CB6673183F3C9D" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating lease obligation, 2018</link:label>
    <link:label id="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears_A9B282A5EE4364B0F4CB6673183F3C9D_label_en-US" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears_A9B282A5EE4364B0F4CB6673183F3C9D" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Leases, Future Minimum Payments, Due in Three Years</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:label="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears_A9B282A5EE4364B0F4CB6673183F3C9D" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears_A9B282A5EE4364B0F4CB6673183F3C9D" xlink:to="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears_A9B282A5EE4364B0F4CB6673183F3C9D" xlink:type="arc" />
    <link:label id="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears_EB67EA6FB7F1B07074276673183FFF96_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears_EB67EA6FB7F1B07074276673183FFF96" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating lease obligation, 2019</link:label>
    <link:label id="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears_EB67EA6FB7F1B07074276673183FFF96_label_en-US" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears_EB67EA6FB7F1B07074276673183FFF96" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Leases, Future Minimum Payments, Due in Four Years</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:label="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears_EB67EA6FB7F1B07074276673183FFF96" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears_EB67EA6FB7F1B07074276673183FFF96" xlink:to="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears_EB67EA6FB7F1B07074276673183FFF96" xlink:type="arc" />
    <link:label id="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears_A311C21EA6CAD59E984B6673183F0975_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears_A311C21EA6CAD59E984B6673183F0975" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating lease obligation, 2020</link:label>
    <link:label id="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears_A311C21EA6CAD59E984B6673183F0975_label_en-US" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears_A311C21EA6CAD59E984B6673183F0975" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Leases, Future Minimum Payments, Due in Five Years</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears" xlink:label="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears_A311C21EA6CAD59E984B6673183F0975" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears_A311C21EA6CAD59E984B6673183F0975" xlink:to="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears_A311C21EA6CAD59E984B6673183F0975" xlink:type="arc" />
    <link:label id="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter_94407B812759159ECB0F6673183F03F0_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter_94407B812759159ECB0F6673183F03F0" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating lease obligation, Thereafter</link:label>
    <link:label id="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter_94407B812759159ECB0F6673183F03F0_label_en-US" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter_94407B812759159ECB0F6673183F03F0" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Leases, Future Minimum Payments, Due Thereafter</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter" xlink:label="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter_94407B812759159ECB0F6673183F03F0" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter_94407B812759159ECB0F6673183F03F0" xlink:to="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter_94407B812759159ECB0F6673183F03F0" xlink:type="arc" />
    <link:label id="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDue_0DE4F63D400A50B47F1D6673183F686E_totalLabel_en-US" xlink:label="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDue_0DE4F63D400A50B47F1D6673183F686E" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total minimal leases payments, Operating Leases</link:label>
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDue" xlink:label="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDue_0DE4F63D400A50B47F1D6673183F686E" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDue_0DE4F63D400A50B47F1D6673183F686E" xlink:to="lab_us-gaap_OperatingLeasesFutureMinimumPaymentsDue_0DE4F63D400A50B47F1D6673183F686E" xlink:type="arc" />
    <link:label id="lab_ecpg_ScheduleOfFutureMinimumLeasePaymentsAbstract_DDC81E534283BFB4A46B6673183F8B1A_terseLabel_en-US" xlink:label="lab_ecpg_ScheduleOfFutureMinimumLeasePaymentsAbstract_DDC81E534283BFB4A46B6673183F8B1A" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Total Future Minimum Lease Payments [Abstract]</link:label>
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    <link:label id="lab_us-gaap_ContractualObligationDueInNextTwelveMonths_88ED967B83339D8B8BEA667318406874_terseLabel_en-US" xlink:label="lab_us-gaap_ContractualObligationDueInNextTwelveMonths_88ED967B83339D8B8BEA667318406874" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total lease, 2016</link:label>
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ContractualObligationDueInNextTwelveMonths" xlink:label="loc_us-gaap_ContractualObligationDueInNextTwelveMonths_88ED967B83339D8B8BEA667318406874" xlink:type="locator" />
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    <link:label id="lab_us-gaap_ContractualObligationDueInFifthYear_D7EBA7F794CDE4EC95B2667318401B32_label_en-US" xlink:label="lab_us-gaap_ContractualObligationDueInFifthYear_D7EBA7F794CDE4EC95B2667318401B32" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contractual Obligation, Due in Fifth Year</link:label>
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    <link:label id="lab_us-gaap_ContractualObligationDueAfterFifthYear_82A1B9D868A30E6CFD70667318402CD8_label_en-US" xlink:label="lab_us-gaap_ContractualObligationDueAfterFifthYear_82A1B9D868A30E6CFD70667318402CD8" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contractual Obligation, Due after Fifth Year</link:label>
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    <link:label id="lab_us-gaap_ContractualObligation_3A49B9F497A2504F84E266731840711E_totalLabel_en-US" xlink:label="lab_us-gaap_ContractualObligation_3A49B9F497A2504F84E266731840711E" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total minimal leases payments</link:label>
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SegmentDomain" xlink:label="loc_us-gaap_SegmentDomain_E236AAF2B4239785EA230B425E0CB793" xlink:type="locator" />
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    <link:label id="lab_ecpg_PortfolioPurchasingAndRecoveryMember_785E9E2E60AE36433E390B425E0C199E_terseLabel_en-US" xlink:label="lab_ecpg_PortfolioPurchasingAndRecoveryMember_785E9E2E60AE36433E390B425E0C199E" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Portfolio Purchasing and Recovery [Member]</link:label>
    <link:label id="lab_ecpg_PortfolioPurchasingAndRecoveryMember_785E9E2E60AE36433E390B425E0C199E_label_en-US" xlink:label="lab_ecpg_PortfolioPurchasingAndRecoveryMember_785E9E2E60AE36433E390B425E0C199E" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Portfolio Purchasing And Recovery [Member]</link:label>
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    <link:label id="lab_ecpg_TaxLienBusinessMember_B9DEC74EB45CF5E2C4070B425E0DE2E5_terseLabel_en-US" xlink:label="lab_ecpg_TaxLienBusinessMember_B9DEC74EB45CF5E2C4070B425E0DE2E5" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tax Lien Transfer [Member]</link:label>
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    <link:label id="lab_us-gaap_ConvertibleDebt_99B92E2422A6192EC12F0E68B8E0E005_label_en-US" xlink:label="lab_us-gaap_ConvertibleDebt_99B92E2422A6192EC12F0E68B8E0E005" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Convertible Debt</link:label>
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    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConvertibleDebt_99B92E2422A6192EC12F0E68B8E0E005" xlink:to="lab_us-gaap_ConvertibleDebt_99B92E2422A6192EC12F0E68B8E0E005" xlink:type="arc" />
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    <link:label id="lab_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesGrossCollections_A123BEC5E4E0E1C312B861FCEF0B1DF1_terseLabel_en-US" xlink:label="lab_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesGrossCollections_A123BEC5E4E0E1C312B861FCEF0B1DF1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross collections</link:label>
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_06C4D70DAC1045186A9A0FD38318C5C7" xlink:type="locator" />
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    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_4A31682EBEBEA9F26D270FA08BAC105A_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_4A31682EBEBEA9F26D270FA08BAC105A" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Cash Provided by (Used in) Investing Activities [Abstract]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_4A31682EBEBEA9F26D270FA08BAC105A" xlink:type="locator" />
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    <link:label id="lab_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_555F168597F7BED3DB180FA08BAD4514_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_555F168597F7BED3DB180FA08BAD4514" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Cash paid for acquisitions, net of cash acquired</link:label>
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired" xlink:label="loc_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_555F168597F7BED3DB180FA08BAD4514" xlink:type="locator" />
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    <link:label id="lab_us-gaap_PaymentsToAcquireFinanceReceivables_B36BCFE273B09E5F21030FA08BADEDB8_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireFinanceReceivables_B36BCFE273B09E5F21030FA08BADEDB8" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Purchases of receivable portfolios, net of put-backs</link:label>
    <link:label id="lab_us-gaap_PaymentsToAcquireFinanceReceivables_B36BCFE273B09E5F21030FA08BADEDB8_label_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireFinanceReceivables_B36BCFE273B09E5F21030FA08BADEDB8" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments to Acquire Finance Receivables</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PaymentsToAcquireFinanceReceivables" xlink:label="loc_us-gaap_PaymentsToAcquireFinanceReceivables_B36BCFE273B09E5F21030FA08BADEDB8" xlink:type="locator" />
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    <link:label id="lab_us-gaap_ProceedsFromCollectionOfFinanceReceivables_2E33A9EECE4853ACDD430FA08BAEF015_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromCollectionOfFinanceReceivables_2E33A9EECE4853ACDD430FA08BAEF015" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collections applied to investment in receivable portfolios, net</link:label>
    <link:label id="lab_us-gaap_ProceedsFromCollectionOfFinanceReceivables_2E33A9EECE4853ACDD430FA08BAEF015_label_en-US" xlink:label="lab_us-gaap_ProceedsFromCollectionOfFinanceReceivables_2E33A9EECE4853ACDD430FA08BAEF015" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Collection of Finance Receivables</link:label>
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    <link:label id="lab_us-gaap_PaymentsToAcquireNotesReceivable_24BACED71AEE6C8BBBF80FA08BAE6ACF_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireNotesReceivable_24BACED71AEE6C8BBBF80FA08BAE6ACF" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Originations and purchases of receivables secured by tax liens</link:label>
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    <link:loc xlink:href="ecpg-20151231.xsd#ecpg_PercentageToBeAddedToAdjustedBaseRateForAlternateBaseRate" xlink:label="loc_ecpg_PercentageToBeAddedToAdjustedBaseRateForAlternateBaseRate_8AB080EA5E1EA3ADDE350FA086D3624F" xlink:type="locator" />
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    <link:label id="lab_ecpg_BorrowingBaseAsPercentageOfEligibleEstimatedCollectionRangeStart_7C8E2097A68D50C487FF0FA086D3C8A8_terseLabel_en-US" xlink:label="lab_ecpg_BorrowingBaseAsPercentageOfEligibleEstimatedCollectionRangeStart_7C8E2097A68D50C487FF0FA086D3C8A8" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Borrowing base as percentage of eligible estimated collection range start</link:label>
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    <link:label id="lab_ecpg_BorrowingBaseAsPercentageOfEligibleEstimatedCollectionRangeStart_7C8E2097A68D50C487FF0FA086D3C8A8_documentation_en-US" xlink:label="lab_ecpg_BorrowingBaseAsPercentageOfEligibleEstimatedCollectionRangeStart_7C8E2097A68D50C487FF0FA086D3C8A8" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Borrowing base as percentage of eligible estimated collection range start</link:label>
    <link:loc xlink:href="ecpg-20151231.xsd#ecpg_BorrowingBaseAsPercentageOfEligibleEstimatedCollectionRangeStart" xlink:label="loc_ecpg_BorrowingBaseAsPercentageOfEligibleEstimatedCollectionRangeStart_7C8E2097A68D50C487FF0FA086D3C8A8" xlink:type="locator" />
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    <link:label id="lab_ecpg_BorrowingVaseAsPercentageOfEligibleEstimatedCollectionRangeEnd_BB744726F1284376A3D60FA086D4BEA0_terseLabel_en-US" xlink:label="lab_ecpg_BorrowingVaseAsPercentageOfEligibleEstimatedCollectionRangeEnd_BB744726F1284376A3D60FA086D4BEA0" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Borrowing base as percentage of eligible estimated collection range end</link:label>
    <link:label id="lab_ecpg_BorrowingVaseAsPercentageOfEligibleEstimatedCollectionRangeEnd_BB744726F1284376A3D60FA086D4BEA0_label_en-US" xlink:label="lab_ecpg_BorrowingVaseAsPercentageOfEligibleEstimatedCollectionRangeEnd_BB744726F1284376A3D60FA086D4BEA0" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Borrowing Vase As Percentage Of Eligible Estimated Collection Range End</link:label>
    <link:label id="lab_ecpg_BorrowingVaseAsPercentageOfEligibleEstimatedCollectionRangeEnd_BB744726F1284376A3D60FA086D4BEA0_documentation_en-US" xlink:label="lab_ecpg_BorrowingVaseAsPercentageOfEligibleEstimatedCollectionRangeEnd_BB744726F1284376A3D60FA086D4BEA0" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Borrowing base as percentage of eligible estimated collection range end.</link:label>
    <link:loc xlink:href="ecpg-20151231.xsd#ecpg_BorrowingVaseAsPercentageOfEligibleEstimatedCollectionRangeEnd" xlink:label="loc_ecpg_BorrowingVaseAsPercentageOfEligibleEstimatedCollectionRangeEnd_BB744726F1284376A3D60FA086D4BEA0" xlink:type="locator" />
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    <link:label id="lab_ecpg_PercentageOfEligibleEstimatedRemainingCollections_66A6CFD5896EAF9F797C0FA086D49F19_terseLabel_en-US" xlink:label="lab_ecpg_PercentageOfEligibleEstimatedRemainingCollections_66A6CFD5896EAF9F797C0FA086D49F19" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of eligible estimated remaining collections</link:label>
    <link:label id="lab_ecpg_PercentageOfEligibleEstimatedRemainingCollections_66A6CFD5896EAF9F797C0FA086D49F19_label_en-US" xlink:label="lab_ecpg_PercentageOfEligibleEstimatedRemainingCollections_66A6CFD5896EAF9F797C0FA086D49F19" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Eligible Estimated Remaining Collections</link:label>
    <link:label id="lab_ecpg_PercentageOfEligibleEstimatedRemainingCollections_66A6CFD5896EAF9F797C0FA086D49F19_documentation_en-US" xlink:label="lab_ecpg_PercentageOfEligibleEstimatedRemainingCollections_66A6CFD5896EAF9F797C0FA086D49F19" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of eligible estimated remaining collections.</link:label>
    <link:loc xlink:href="ecpg-20151231.xsd#ecpg_PercentageOfEligibleEstimatedRemainingCollections" xlink:label="loc_ecpg_PercentageOfEligibleEstimatedRemainingCollections_66A6CFD5896EAF9F797C0FA086D49F19" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecpg_PercentageOfEligibleEstimatedRemainingCollections_66A6CFD5896EAF9F797C0FA086D49F19" xlink:to="lab_ecpg_PercentageOfEligibleEstimatedRemainingCollections_66A6CFD5896EAF9F797C0FA086D49F19" xlink:type="arc" />
    <link:label id="lab_ecpg_DebtInstrumentBorrowingBaseAsPercentageOfReceivables_FB08FD6F76FEBFF82ABD0FA086D4148D_terseLabel_en-US" xlink:label="lab_ecpg_DebtInstrumentBorrowingBaseAsPercentageOfReceivables_FB08FD6F76FEBFF82ABD0FA086D4148D" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Eligible estimated remaining collections for consumer receivables</link:label>
    <link:label id="lab_ecpg_DebtInstrumentBorrowingBaseAsPercentageOfReceivables_FB08FD6F76FEBFF82ABD0FA086D4148D_label_en-US" xlink:label="lab_ecpg_DebtInstrumentBorrowingBaseAsPercentageOfReceivables_FB08FD6F76FEBFF82ABD0FA086D4148D" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument Borrowing Base As Percentage Of Receivables</link:label>
    <link:label id="lab_ecpg_DebtInstrumentBorrowingBaseAsPercentageOfReceivables_FB08FD6F76FEBFF82ABD0FA086D4148D_documentation_en-US" xlink:label="lab_ecpg_DebtInstrumentBorrowingBaseAsPercentageOfReceivables_FB08FD6F76FEBFF82ABD0FA086D4148D" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Debt instrument borrowing base as percentage of receivables.</link:label>
    <link:loc xlink:href="ecpg-20151231.xsd#ecpg_DebtInstrumentBorrowingBaseAsPercentageOfReceivables" xlink:label="loc_ecpg_DebtInstrumentBorrowingBaseAsPercentageOfReceivables_FB08FD6F76FEBFF82ABD0FA086D4148D" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecpg_DebtInstrumentBorrowingBaseAsPercentageOfReceivables_FB08FD6F76FEBFF82ABD0FA086D4148D" xlink:to="lab_ecpg_DebtInstrumentBorrowingBaseAsPercentageOfReceivables_FB08FD6F76FEBFF82ABD0FA086D4148D" xlink:type="arc" />
    <link:label id="lab_ecpg_PercentageOfMultiplyingFactor_9014EC680FF6A255BC8A0FA086D43580_terseLabel_en-US" xlink:label="lab_ecpg_PercentageOfMultiplyingFactor_9014EC680FF6A255BC8A0FA086D43580" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of multiplying factor</link:label>
    <link:label id="lab_ecpg_PercentageOfMultiplyingFactor_9014EC680FF6A255BC8A0FA086D43580_label_en-US" xlink:label="lab_ecpg_PercentageOfMultiplyingFactor_9014EC680FF6A255BC8A0FA086D43580" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Multiplying Factor</link:label>
    <link:label id="lab_ecpg_PercentageOfMultiplyingFactor_9014EC680FF6A255BC8A0FA086D43580_documentation_en-US" xlink:label="lab_ecpg_PercentageOfMultiplyingFactor_9014EC680FF6A255BC8A0FA086D43580" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of multiplying factor.</link:label>
    <link:loc xlink:href="ecpg-20151231.xsd#ecpg_PercentageOfMultiplyingFactor" xlink:label="loc_ecpg_PercentageOfMultiplyingFactor_9014EC680FF6A255BC8A0FA086D43580" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecpg_PercentageOfMultiplyingFactor_9014EC680FF6A255BC8A0FA086D43580" xlink:to="lab_ecpg_PercentageOfMultiplyingFactor_9014EC680FF6A255BC8A0FA086D43580" xlink:type="arc" />
    <link:label id="lab_ecpg_CashFlowLeverageRatio_53F446A7FDA9AE7214120FA086D56336_terseLabel_en-US" xlink:label="lab_ecpg_CashFlowLeverageRatio_53F446A7FDA9AE7214120FA086D56336" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum cash flow leverage ratio</link:label>
    <link:label id="lab_ecpg_CashFlowLeverageRatio_53F446A7FDA9AE7214120FA086D56336_label_en-US" xlink:label="lab_ecpg_CashFlowLeverageRatio_53F446A7FDA9AE7214120FA086D56336" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Flow Leverage Ratio</link:label>
    <link:label id="lab_ecpg_CashFlowLeverageRatio_53F446A7FDA9AE7214120FA086D56336_documentation_en-US" xlink:label="lab_ecpg_CashFlowLeverageRatio_53F446A7FDA9AE7214120FA086D56336" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Cash Flow Leverage Ratio</link:label>
    <link:loc xlink:href="ecpg-20151231.xsd#ecpg_CashFlowLeverageRatio" xlink:label="loc_ecpg_CashFlowLeverageRatio_53F446A7FDA9AE7214120FA086D56336" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecpg_CashFlowLeverageRatio_53F446A7FDA9AE7214120FA086D56336" xlink:to="lab_ecpg_CashFlowLeverageRatio_53F446A7FDA9AE7214120FA086D56336" xlink:type="arc" />
    <link:label id="lab_ecpg_CashFlowSecuredLeverageRatio_2C388A27F3343AC033F50FA086D5284A_terseLabel_en-US" xlink:label="lab_ecpg_CashFlowSecuredLeverageRatio_2C388A27F3343AC033F50FA086D5284A" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum cash flow secured leverage ratio</link:label>
    <link:label id="lab_ecpg_CashFlowSecuredLeverageRatio_2C388A27F3343AC033F50FA086D5284A_label_en-US" xlink:label="lab_ecpg_CashFlowSecuredLeverageRatio_2C388A27F3343AC033F50FA086D5284A" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Flow Secured Leverage Ratio</link:label>
    <link:label id="lab_ecpg_CashFlowSecuredLeverageRatio_2C388A27F3343AC033F50FA086D5284A_documentation_en-US" xlink:label="lab_ecpg_CashFlowSecuredLeverageRatio_2C388A27F3343AC033F50FA086D5284A" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Cash Flow Secured Leverage Ratio</link:label>
    <link:loc xlink:href="ecpg-20151231.xsd#ecpg_CashFlowSecuredLeverageRatio" xlink:label="loc_ecpg_CashFlowSecuredLeverageRatio_2C388A27F3343AC033F50FA086D5284A" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecpg_CashFlowSecuredLeverageRatio_2C388A27F3343AC033F50FA086D5284A" xlink:to="lab_ecpg_CashFlowSecuredLeverageRatio_2C388A27F3343AC033F50FA086D5284A" xlink:type="arc" />
    <link:label id="lab_ecpg_MaximumAdditionalUnsecuredDebt_CB4718E8EE36D068E0260FA086D6D3D4_terseLabel_en-US" xlink:label="lab_ecpg_MaximumAdditionalUnsecuredDebt_CB4718E8EE36D068E0260FA086D6D3D4" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Allowance of additional unsecured indebtedness</link:label>
    <link:label id="lab_ecpg_MaximumAdditionalUnsecuredDebt_CB4718E8EE36D068E0260FA086D6D3D4_label_en-US" xlink:label="lab_ecpg_MaximumAdditionalUnsecuredDebt_CB4718E8EE36D068E0260FA086D6D3D4" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maximum Additional Unsecured Debt</link:label>
    <link:label id="lab_ecpg_MaximumAdditionalUnsecuredDebt_CB4718E8EE36D068E0260FA086D6D3D4_documentation_en-US" xlink:label="lab_ecpg_MaximumAdditionalUnsecuredDebt_CB4718E8EE36D068E0260FA086D6D3D4" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Maximum Additional Unsecured Debt</link:label>
    <link:loc xlink:href="ecpg-20151231.xsd#ecpg_MaximumAdditionalUnsecuredDebt" xlink:label="loc_ecpg_MaximumAdditionalUnsecuredDebt_CB4718E8EE36D068E0260FA086D6D3D4" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecpg_MaximumAdditionalUnsecuredDebt_CB4718E8EE36D068E0260FA086D6D3D4" xlink:to="lab_ecpg_MaximumAdditionalUnsecuredDebt_CB4718E8EE36D068E0260FA086D6D3D4" xlink:type="arc" />
    <link:label id="lab_ecpg_StockRepurchaseProgramMaximumAmountOfCommonStock_9B05609B68DC25862E320FA086D6042B_terseLabel_en-US" xlink:label="lab_ecpg_StockRepurchaseProgramMaximumAmountOfCommonStock_9B05609B68DC25862E320FA086D6042B" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Company's repurchases, common stock</link:label>
    <link:label id="lab_ecpg_StockRepurchaseProgramMaximumAmountOfCommonStock_9B05609B68DC25862E320FA086D6042B_label_en-US" xlink:label="lab_ecpg_StockRepurchaseProgramMaximumAmountOfCommonStock_9B05609B68DC25862E320FA086D6042B" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Repurchase Program Maximum Amount Of Common Stock</link:label>
    <link:label id="lab_ecpg_StockRepurchaseProgramMaximumAmountOfCommonStock_9B05609B68DC25862E320FA086D6042B_documentation_en-US" xlink:label="lab_ecpg_StockRepurchaseProgramMaximumAmountOfCommonStock_9B05609B68DC25862E320FA086D6042B" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Stock repurchase program maximum amount of common stock.</link:label>
    <link:loc xlink:href="ecpg-20151231.xsd#ecpg_StockRepurchaseProgramMaximumAmountOfCommonStock" xlink:label="loc_ecpg_StockRepurchaseProgramMaximumAmountOfCommonStock_9B05609B68DC25862E320FA086D6042B" xlink:type="locator" />
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    <link:label id="lab_ecpg_PercentageOfOutstandingVotingStock_62A074E900A6B4777BB90FA086D64726_terseLabel_en-US" xlink:label="lab_ecpg_PercentageOfOutstandingVotingStock_62A074E900A6B4777BB90FA086D64726" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of acquisitions excluded</link:label>
    <link:label id="lab_ecpg_PercentageOfOutstandingVotingStock_62A074E900A6B4777BB90FA086D64726_label_en-US" xlink:label="lab_ecpg_PercentageOfOutstandingVotingStock_62A074E900A6B4777BB90FA086D64726" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage Of Outstanding Voting Stock</link:label>
    <link:label id="lab_ecpg_PercentageOfOutstandingVotingStock_62A074E900A6B4777BB90FA086D64726_documentation_en-US" xlink:label="lab_ecpg_PercentageOfOutstandingVotingStock_62A074E900A6B4777BB90FA086D64726" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage Of Outstanding Voting Stock</link:label>
    <link:loc xlink:href="ecpg-20151231.xsd#ecpg_PercentageOfOutstandingVotingStock" xlink:label="loc_ecpg_PercentageOfOutstandingVotingStock_62A074E900A6B4777BB90FA086D64726" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecpg_PercentageOfOutstandingVotingStock_62A074E900A6B4777BB90FA086D64726" xlink:to="lab_ecpg_PercentageOfOutstandingVotingStock_62A074E900A6B4777BB90FA086D64726" xlink:type="arc" />
    <link:label id="lab_ecpg_AcquisitionLimit_3A1F61D8D8DA2AA7FC090FA086D6EB6D_terseLabel_en-US" xlink:label="lab_ecpg_AcquisitionLimit_3A1F61D8D8DA2AA7FC090FA086D6EB6D" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Acquisition limit</link:label>
    <link:label id="lab_ecpg_AcquisitionLimit_3A1F61D8D8DA2AA7FC090FA086D6EB6D_label_en-US" xlink:label="lab_ecpg_AcquisitionLimit_3A1F61D8D8DA2AA7FC090FA086D6EB6D" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Acquisition Limit</link:label>
    <link:label id="lab_ecpg_AcquisitionLimit_3A1F61D8D8DA2AA7FC090FA086D6EB6D_documentation_en-US" xlink:label="lab_ecpg_AcquisitionLimit_3A1F61D8D8DA2AA7FC090FA086D6EB6D" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Acquisition Limit</link:label>
    <link:loc xlink:href="ecpg-20151231.xsd#ecpg_AcquisitionLimit" xlink:label="loc_ecpg_AcquisitionLimit_3A1F61D8D8DA2AA7FC090FA086D6EB6D" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecpg_AcquisitionLimit_3A1F61D8D8DA2AA7FC090FA086D6EB6D" xlink:to="lab_ecpg_AcquisitionLimit_3A1F61D8D8DA2AA7FC090FA086D6EB6D" xlink:type="arc" />
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    <link:label id="lab_us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount_17727DB6D78DBEF9705310C2407AD617_periodStartLabel_en-US" xlink:label="lab_us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount_17727DB6D78DBEF9705310C2407AD617" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balance, beginning of period</link:label>
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    <link:label id="lab_us-gaap_TemporaryEquityStockIssuedDuringPeriodValueNewIssues_79A3968B989A17C72CAD10C2407B9F8B_terseLabel_en-US" xlink:label="lab_us-gaap_TemporaryEquityStockIssuedDuringPeriodValueNewIssues_79A3968B989A17C72CAD10C2407B9F8B" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Initial redeemable noncontrolling interest related to business combinations</link:label>
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_TemporaryEquityStockIssuedDuringPeriodValueNewIssues" xlink:label="loc_us-gaap_TemporaryEquityStockIssuedDuringPeriodValueNewIssues_79A3968B989A17C72CAD10C2407B9F8B" xlink:type="locator" />
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    <link:label id="lab_us-gaap_NetIncomeLossAttributableToRedeemableNoncontrollingInterest_FE5CF1522321137E78CB10C2407B0AC2_terseLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLossAttributableToRedeemableNoncontrollingInterest_FE5CF1522321137E78CB10C2407B0AC2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net income (loss) attributable to redeemable noncontrolling interests</link:label>
    <link:label id="lab_us-gaap_NetIncomeLossAttributableToRedeemableNoncontrollingInterest_FE5CF1522321137E78CB10C2407B0AC2_label_en-US" xlink:label="lab_us-gaap_NetIncomeLossAttributableToRedeemableNoncontrollingInterest_FE5CF1522321137E78CB10C2407B0AC2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Income (Loss) Attributable to Redeemable Noncontrolling Interest</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetIncomeLossAttributableToRedeemableNoncontrollingInterest" xlink:label="loc_us-gaap_NetIncomeLossAttributableToRedeemableNoncontrollingInterest_FE5CF1522321137E78CB10C2407B0AC2" xlink:type="locator" />
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    <link:label id="lab_us-gaap_MinorityInterestChangeInRedemptionValue_44291BB95F80A5F3AC2610C2407BDAE8_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_MinorityInterestChangeInRedemptionValue_44291BB95F80A5F3AC2610C2407BDAE8" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Adjustment of the redeemable noncontrolling interests to fair value</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_MinorityInterestChangeInRedemptionValue" xlink:label="loc_us-gaap_MinorityInterestChangeInRedemptionValue_44291BB95F80A5F3AC2610C2407BDAE8" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MinorityInterestChangeInRedemptionValue_44291BB95F80A5F3AC2610C2407BDAE8" xlink:to="lab_us-gaap_MinorityInterestChangeInRedemptionValue_44291BB95F80A5F3AC2610C2407BDAE8" xlink:type="arc" />
    <link:label id="lab_us-gaap_TemporaryEquityForeignCurrencyTranslationAdjustments_7A6B7F2D1640418A984D10C2407B33B5_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_TemporaryEquityForeignCurrencyTranslationAdjustments_7A6B7F2D1640418A984D10C2407B33B5" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Effect of foreign currency translation attributable to redeemable noncontrolling interests</link:label>
    <link:label id="lab_us-gaap_TemporaryEquityForeignCurrencyTranslationAdjustments_7A6B7F2D1640418A984D10C2407B33B5_label_en-US" xlink:label="lab_us-gaap_TemporaryEquityForeignCurrencyTranslationAdjustments_7A6B7F2D1640418A984D10C2407B33B5" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Temporary Equity, Foreign Currency Translation Adjustments</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_TemporaryEquityForeignCurrencyTranslationAdjustments" xlink:label="loc_us-gaap_TemporaryEquityForeignCurrencyTranslationAdjustments_7A6B7F2D1640418A984D10C2407B33B5" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TemporaryEquityForeignCurrencyTranslationAdjustments_7A6B7F2D1640418A984D10C2407B33B5" xlink:to="lab_us-gaap_TemporaryEquityForeignCurrencyTranslationAdjustments_7A6B7F2D1640418A984D10C2407B33B5" xlink:type="arc" />
    <link:label id="lab_us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount_1E01633E1144A039462710C2407B90DE_periodEndLabel_en-US" xlink:label="lab_us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount_1E01633E1144A039462710C2407B90DE" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Balance, end of period</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount" xlink:label="loc_us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount_1E01633E1144A039462710C2407B90DE" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount_1E01633E1144A039462710C2407B90DE" xlink:to="lab_us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount_1E01633E1144A039462710C2407B90DE" xlink:type="arc" />
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_79BD5E0A5839336642126673179A91E6_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_79BD5E0A5839336642126673179A91E6" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2016</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_79BD5E0A5839336642126673179A91E6_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_79BD5E0A5839336642126673179A91E6" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets, Amortization Expense, Next Twelve Months</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_79BD5E0A5839336642126673179A91E6" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_79BD5E0A5839336642126673179A91E6" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_79BD5E0A5839336642126673179A91E6" xlink:type="arc" />
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_1A9E2B4D05A04ECA90C36673179A881B_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_1A9E2B4D05A04ECA90C36673179A881B" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2017</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_1A9E2B4D05A04ECA90C36673179A881B_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_1A9E2B4D05A04ECA90C36673179A881B" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets, Amortization Expense, Year Two</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_1A9E2B4D05A04ECA90C36673179A881B" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_1A9E2B4D05A04ECA90C36673179A881B" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_1A9E2B4D05A04ECA90C36673179A881B" xlink:type="arc" />
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_210318C5AB15C497B14B6673179AE55B_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_210318C5AB15C497B14B6673179AE55B" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2018</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_210318C5AB15C497B14B6673179AE55B_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_210318C5AB15C497B14B6673179AE55B" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets, Amortization Expense, Year Three</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_210318C5AB15C497B14B6673179AE55B" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_210318C5AB15C497B14B6673179AE55B" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_210318C5AB15C497B14B6673179AE55B" xlink:type="arc" />
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_51FCAED408D056F103736673179A0C3A_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_51FCAED408D056F103736673179A0C3A" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2019</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_51FCAED408D056F103736673179A0C3A_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_51FCAED408D056F103736673179A0C3A" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets, Amortization Expense, Year Four</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_51FCAED408D056F103736673179A0C3A" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_51FCAED408D056F103736673179A0C3A" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_51FCAED408D056F103736673179A0C3A" xlink:type="arc" />
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive_192870B528713C209F306673179B62F3_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive_192870B528713C209F306673179B62F3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2020</link:label>
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    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive_192870B528713C209F306673179B62F3" xlink:type="locator" />
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