Encore Capital Group, Inc.
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A specialty finance company that buys portfolios of defaulted consumer debt—credit cards, auto loans, and utility bills—from banks and retailers, then works directly with borrowers to recover what's owed. Its roots trace to Midland Credit Management, founded in 1953, and the holding company took the name Encore Capital Group in 2002, with its European arm operating under the Cabot brand. The name "Encore" plays on the idea of going the extra mile—the company's slogan is "Encore Means More."
4.50% Exchangeable Senior Notes due September 1, 2023
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