Encore Capital Group, Inc. engages in purchasing and managing charged-off consumer receivable portfolios. Its receivables portfolio includes unsecured and charged-off domestic consumer credit cards, auto loan deficiencies, general consumer loans, and telecom and healthcare receivables purchased from financial institutions, retail credit corporations, telecom companies, and resellers of portfolios. The company, through its subsidiary, provides of bankruptcy services to the finance industry. Its bankruptcy services include negotiating bankruptcy plans, monitoring and managing the consumer’s compliance with bankruptcy plans, and recommending courses of action to clients when there is...