Encore Capital Group, Inc. is a specialty finance company. The Company provides debt recovery solutions and other related services for consumers across a range of financial assets. It purchases portfolios of defaulted consumer receivables at discounts to face value and manages them by working with individuals as they repay obligations and work toward financial recovery. Its defaulted receivables are consumers’ unpaid financial obligations to credit originators, including banks, credit unions, consumer finance companies and commercial retailers. It also provides debt servicing and other portfolio management services to credit originators for non-performing loans in Europe. Its debt servicing operations include early-stage collections, business process outsourcing and contingent collections for credit originators. It provides debt servicing for consumer accounts and provides services for business-to-business accounts.