Form 8K Press Release 11-05-03

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549


FORM 8-K



CURRENT REPORT
Pursuant to Section 13 or 15(d)
of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): February 6, 2004

Encore Capital Group, Inc.
(Exact Name of Registrant as Specified in its Charter)

Delaware                 000-26489 48-1090909
(State or other jurisdiction of (Commission File Number)  (I.R.S Employer
incorporation or organization)      Identification No.)

5775 Roscoe Court
San Diego, California 92123

(Address of Principal Executive Offices) (Zip Code)

(877) 445-4581
(Registrant’s Telephone Number, Including Area Code)




Item 9. Regulation FD Disclosure

        On February 6, 2004 the Company issued a press release announcing that it will host a conference call to discuss fourth quarter 2003 financial results and operational highlights at 5:00 p.m. Eastern Time/2:00 p.m. Pacific Time on Tuesday, March 2, 2004. A copy of the press release is attached to this Current Report on Form 8-K as Exhibit 99.1 and is incorporated herein solely for purposes of this Item 9.

        On February 11, 2004, the Company issued a press release announcing that the Company’s financial results for the fourth quarter of 2003 will be released after the market closes on March 2, 2004, rather than before the market opens, as previously indicated. The timing of the conference call to discuss 2003 financial results remains unchanged. A copy of the press release is attached to this Current Report on Form 8-K as Exhibit 99.2 and is incorporated herein solely for purposes of this Item 9.

        The information in this Current Report on Form 8-K, including the exhibits, is furnished pursuant to Item 9 and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934 or otherwise subject to the liabilities under that Section. Furthermore, the information in this Current Report on Form 8-K, including the exhibits, shall not be deemed to be incorporated by reference into the filings of Encore Capital Group, Inc. under the Securities Act of 1933.

SIGNATURES

        Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

ENCORE CAPITAL GROUP, INC.

Date: February 19, 2004   By    /s/ Barry R. Barkley           
           Barry R. Barkley
           Executive Vice President,
           Chief Financial Officer and Treasurer



EXHIBIT INDEX

Exhibit        Description

   99.1

Press release dated February 6, 2004.

   99.2

Press release dated February 11, 2004.