-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 HRFSlfz3QyfgUFj0p/UdTwNhh0Adp9oFC5zoeLl3/eaiKUCXAG7see2+Iyk+3oGl
 Day/VKCzOfG/wQMCQYNfZg==

<SEC-DOCUMENT>0000919574-06-004102.txt : 20061017
<SEC-HEADER>0000919574-06-004102.hdr.sgml : 20061017
<ACCEPTANCE-DATETIME>20061017141730
ACCESSION NUMBER:		0000919574-06-004102
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20060901
FILED AS OF DATE:		20061017
DATE AS OF CHANGE:		20061017

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ENCORE CAPITAL GROUP INC
		CENTRAL INDEX KEY:			0001084961
		STANDARD INDUSTRIAL CLASSIFICATION:	SHORT-TERM BUSINESS CREDIT INSTITUTIONS [6153]
		IRS NUMBER:				481090909
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		8875 AERO DRIVE, SUITE 200
		CITY:			SAN DIEGO
		STATE:			CA
		ZIP:			92123
		BUSINESS PHONE:		8007590327

	MAIL ADDRESS:	
		STREET 1:		8875 AERO DRIVE, SUITE 200
		CITY:			SAN DIEGO
		STATE:			CA
		ZIP:			92123

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MCM CAPITAL GROUP INC
		DATE OF NAME CHANGE:	19990430

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MIDLAND CORP OF KANSAS
		DATE OF NAME CHANGE:	19990423

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			BROWN THOMAS K
		CENTRAL INDEX KEY:			0001378438

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-26489
		FILM NUMBER:		061148327

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		646-563-7635

	MAIL ADDRESS:	
		STREET 1:		C/O SECOND CURVE CAPITAL, LLC
		STREET 2:		405 LEXINGTON AVENUE, 52ND FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10174

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			SECOND CURVE CAPITAL LLC
		CENTRAL INDEX KEY:			0001136704
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-26489
		FILM NUMBER:		061148328

	BUSINESS ADDRESS:	
		STREET 1:		405 LEXINGTON AVENUE
		STREET 2:		52ND FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10174
		BUSINESS PHONE:		646-563-7635

	MAIL ADDRESS:	
		STREET 1:		405 LEXINGTON AVENUE
		STREET 2:		52ND FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10174
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>p709147_ex.xml
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2006-09-01</periodOfReport>

    <noSecuritiesOwned>0</noSecuritiesOwned>

    <issuer>
        <issuerCik>0001084961</issuerCik>
        <issuerName>ENCORE CAPITAL GROUP INC</issuerName>
        <issuerTradingSymbol>ECPG</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001136704</rptOwnerCik>
            <rptOwnerName>SECOND CURVE CAPITAL LLC</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>405 LEXINGTON AVENUE</rptOwnerStreet1>
            <rptOwnerStreet2>52ND FLOOR</rptOwnerStreet2>
            <rptOwnerCity>NEW YORK</rptOwnerCity>
            <rptOwnerState>NY</rptOwnerState>
            <rptOwnerZipCode>10174</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>1</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001378438</rptOwnerCik>
            <rptOwnerName>BROWN THOMAS K</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>C/O SECOND CURVE CAPITAL, LLC</rptOwnerStreet1>
            <rptOwnerStreet2>405 LEXINGTON AVENUE, 52ND FLOOR</rptOwnerStreet2>
            <rptOwnerCity>NEW YORK</rptOwnerCity>
            <rptOwnerState>NY</rptOwnerState>
            <rptOwnerZipCode>10174</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>1</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>3445800</value>
                    <footnoteId id="F1"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By advisory clients of Second Curve Capital, LLC</value>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <footnotes>
        <footnote id="F1">These securities may be deemed to be beneficially owned by Second Curve Capital, LLC the investment manager of Second Curve
 Opportunity Fund, LP, Second Curve Opportunity Fund International, Ltd., Second Curve Partners, LP and Second Curve Partners
 International, Ltd., and Thomas K. Brown, the managing member of Second Curve Capital, LLC.  Each such Reporting Person
 disclaims beneficial ownership of the reported securities except to the extent of his or its pecuniary interest therein, and
 this report shall not be deemed an admission that such Reporting Person is the beneficial owner of the securities for
 purposes of Section 16 of the Securities Exchange Act of 1934, as amended, or for any other purpose.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>Second Curve Capital, LLC By: /s/ Thomas K. Brown, Managing Member</signatureName>
        <signatureDate>2006-10-17</signatureDate>
    </ownerSignature>

    <ownerSignature>
        <signatureName>/s/ Thomas K. Brown</signatureName>
        <signatureDate>2006-10-17</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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