RISK FACTORS
Before making an investment decision, you should carefully consider the risks described in Risk Factors in the applicable
prospectus supplement and in our then most recent Annual Report on
Form 10-K,
and in any updates to those risk factors in our Quarterly Reports on
Form 10-Q,
together with the other information appearing or incorporated by reference in this prospectus and any applicable prospectus supplement, in light of your particular investment objectives and financial circumstances.
ABOUT THIS PROSPECTUS
This prospectus is part of a shelf registration statement that the issuers have filed with the Securities and Exchange Commission,
or SEC. Under this shelf registration process, we may sell securities, from time to time, in one or more offerings.
Each time we
sell securities, we will provide a prospectus supplement that will contain specific information about the terms of that offering. The prospectus supplement may also add, update, or change information contained in this prospectus. You should read
this prospectus and the applicable prospectus supplement together with the additional information described under the heading Where You Can Find Additional Information on page 2 of this prospectus.
The registration statement that contains this prospectus, including the exhibits to the registration statement, contains additional
information about us and the securities offered under this prospectus. That registration statement can be read at the SEC web site or at the SEC offices mentioned under the heading Where You Can Find Additional Information.
ENCORE CAPITAL GROUP, INC.
We are an international specialty finance company providing debt recovery solutions and other related services for consumers across a broad
range of financial assets. We purchase portfolios of defaulted consumer receivables at deep discounts to face value and manage them by working with individuals as they repay their obligations and work toward financial recovery. Defaulted receivables
are consumers unpaid financial commitments to credit originators, including banks, credit unions, consumer finance companies, commercial retailers, and telecommunication companies. Defaulted receivables may also include receivables subject to
bankruptcy proceedings
Our principal executive offices are located at 3111 Camino Del Rio North, Suite 103, San Diego, CA
92108, and our telephone number is
(877) 445-4581.
ENCORE CAPITAL
EUROPE FINANCE LIMITED
Encore Capital Europe Finance Limited (Finance Ltd.) is a newly formed, public limited company
incorporated under the laws of Jersey. Finance Ltd. is a special purpose finance subsidiary and is a wholly owned indirect subsidiary of Encore Capital Group, Inc.
Finance Ltd. has not engaged in and will not engage in any activity other than the business and activities described or referred to in this
prospectus or in an accompanying prospectus supplement or incorporated by reference herein or therein. Any securities issued by Finance Ltd. will be fully and unconditionally guaranteed by Encore Capital Group, Inc.
The registered office of Finance Ltd. is located at 22 Grenville Street. St. Helier, Jersey JE4 8PX, Channel Islands and its
telephone number is +44 1534 676 000.
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