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About Us

We are more than the market leader in portfolio purchasing and recovery in the United States – we’re a powerful voice that has shaped an industry by focusing on pro-consumer practices from our offices around the world. We believe that great results and consumer respect go hand-in-hand. By partnering with our consumers and making credit more accessible, we create pathways to economic freedom and restore their financial health. Since we first opened our doors in 1953, we have transformed our business through innovations, advanced analytics, new technology and thought leadership. We’ve built an energized, fun environment that’s filled with life. The work we do has helped millions of people recover from their financial difficulties and rebuild their lives.

Putting our values to work

Every phone call. Every interaction. Every business decision. Our core values are alive in the action we take every day. We were the first, and only, company in our industry to introduce a Consumer Bill of Rights – one that reaffirmed our commitment to mutual engagement, understanding, collaboration and respect. For more than 65 years, we’ve used the strength of our guiding principles to move our entire organization, the consumers we work with, and the careers of our people forward.

  • We care

    We put people first and engage with honesty, empathy, and respect.

  • We find a better way

    We deliver our best in everything we do, find ways to make a positive difference, and achieve impactful results.

  • We are inclusive and collaborative

    We embrace our differences and work together to ensure every individual can thrive.

What our employees say


As a working mom, the opportunity to volunteer at school activities and sports events is important, and having the eight hours of VTO through our CSR volunteer program makes this possible. I especially appreciate that for every 25 hours of volunteer time, MCM donates $250 to any non-profit organization of my choice, turning the time spent volunteering into a two-fold donation!

Anne-Marie, Lead Executive Assistant

Global Footprint

As one of several wholly-owned subsidiaries of Encore Capital Group, Inc., we have over 4,000 employees worldwide with locations throughout the U.S., Costa Rica and India. Our larger Encore Capital Group family brings that total to 7,300+ people in locations across the globe in 14 countries. As our business grows around the world it gives you even more opportunities to make an impact and make a difference.

Our Brands

MCM is part of a greater family of brands, with locations around the world. Our global presence allows us to leverage the insights, skill sets and best practices from every business; benefiting us all.

  • Encore Capital Group, Inc

    Encore Capital Group, Inc. is our parent company, a global specialty finance company with operations and investments across North America, Europe, Asia and Latin America.

    Learn more About Encore Capital Group
  • Cabot


    Cabot Credit Management (CCM) is Encore’s business unit serving Europe. They’re the largest credit management services provider in the U.K. and Europe’s largest debt purchaser.

    Learn more About Cabot
  • LAAP

    LAAP is Encore’s business unit that serves the Latin America and Asia-Pacific markets.

    Learn more About LAAP

Our Consumer Bill of Rights

Our Consumer Bill of Rights ensures that all of our consumer interactions are conducted in the right way, and that our employees are supported, empowered and motivated to do their best. Whether it’s our belief in always treating consumers with respect, fixing errors they bring to our attention, respecting their privacy or suspending collections for hardships – we’re committed to our ideals and principles in everything we do.

Learn More about our consumer bill of rights.

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