Encore Capital Group is a global specialty finance company that purchases and services portfolios of defaulted consumer receivables from major banks and other financial institutions. They operate in North America, Europe, Asia, and Latin America, offering debt recovery solutions. Their target audience includes consumers with outstanding debts and financial institutions seeking to offload non-performing loans. Encore's unique selling proposition is its commitment to ethical practices, including a Consumer Bill of Rights, which sets industry-leading standards for consumer treatment. This approach helps differentiate them in the debt recovery sector by prioritizing consumer well-being and compliance.