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  <xsd:element id="ecpg_CostOfLegalCollections" name="CostOfLegalCollections" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_CostRecoveryPortfoliosMember" name="CostRecoveryPortfoliosMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_CostToCollectMember" name="CostToCollectMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_DebtInstrumentBasisSpreadOnVariableRateIncreaseIntervalPeriod" name="DebtInstrumentBasisSpreadOnVariableRateIncreaseIntervalPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_DebtInstrumentBorrowingBaseAsPercentageOfReceivables" name="DebtInstrumentBorrowingBaseAsPercentageOfReceivables" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_DebtInstrumentConvertibleCarryingAmountofDebtComponent" name="DebtInstrumentConvertibleCarryingAmountofDebtComponent" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="ecpg_DebtInstrumentCovenantMaximumPercentageofConsolidatedNetWorth" name="DebtInstrumentCovenantMaximumPercentageofConsolidatedNetWorth" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_DebtInstrumentMaturityYear" name="DebtInstrumentMaturityYear" nillable="true" substitutionGroup="xbrli:item" type="xbrli:gYearItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_DebtInstrumentNumberofSubtranches" name="DebtInstrumentNumberofSubtranches" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_DebtInstrumentStepUpinBasisSpreadOnVariableRate" name="DebtInstrumentStepUpinBasisSpreadOnVariableRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_DebtInstrumentTermExtensionPeriod" name="DebtInstrumentTermExtensionPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_DebtInstrumentsAffectedbyHedgingActivitiesAxis" name="DebtInstrumentsAffectedbyHedgingActivitiesAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_DebtInstrumentsAffectedbyHedgingActivitiesDomain" name="DebtInstrumentsAffectedbyHedgingActivitiesDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_DeferredCostsCapitalizedPrepaidandOtherAssetsRollForward" name="DeferredCostsCapitalizedPrepaidandOtherAssetsRollForward" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_DeferredCourtCostsAdvanced" name="DeferredCourtCostsAdvanced" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="ecpg_DeferredCourtCostsForeignCurrencyTranslation" name="DeferredCourtCostsForeignCurrencyTranslation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="ecpg_DeferredCourtCostsNotRecoveredWriteOffYears" name="DeferredCourtCostsNotRecoveredWriteOffYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_DeferredCourtCostsRecovered" name="DeferredCourtCostsRecovered" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="ecpg_DeferredCourtCostsReserve" name="DeferredCourtCostsReserve" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="ecpg_DeferredCourtCostsTextBlock" name="DeferredCourtCostsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_DiscountRateMember" name="DiscountRateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_DocumentAndEntityInformationAbstract" name="DocumentAndEntityInformationAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_EBridgePreferredEquityCertificatesMember" name="EBridgePreferredEquityCertificatesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_EPreferredEquityCertificatesMember" name="EPreferredEquityCertificatesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_EstimateOfZeroBasisCashFlowsMember" name="EstimateOfZeroBasisCashFlowsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_EstimatedFutureCollectionsAtAcquisitionForReceivablePortfolios" name="EstimatedFutureCollectionsAtAcquisitionForReceivablePortfolios" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="ecpg_FaceValueOfReceivablePortfolios" name="FaceValueOfReceivablePortfolios" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_FairValueMeasurementsOfFinancialInstrumentsLineItems" name="FairValueMeasurementsOfFinancialInstrumentsLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_FairValueMeasurementsOfFinancialInstrumentsTable" name="FairValueMeasurementsOfFinancialInstrumentsTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_FairValueOfEstimatedMarketParticipantRate" name="FairValueOfEstimatedMarketParticipantRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_FederalFundsRateMember" name="FederalFundsRateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_FinancingReceivableSecuredbyTaxLienRedemptionPeriod" name="FinancingReceivableSecuredbyTaxLienRedemptionPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_FollowingExpirationDateMember" name="FollowingExpirationDateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_ForeignExchangeContractsOneMember" name="ForeignExchangeContractsOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_ForeignExchangeContractsTwoMember" name="ForeignExchangeContractsTwoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_GeneralAndAdministrativeExpensesMember" name="GeneralAndAdministrativeExpensesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_HedgingofConvertibleDebtInstrumentMember" name="HedgingofConvertibleDebtInstrumentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_HillesdenSecuritiesLtddlcMember" name="HillesdenSecuritiesLtddlcMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_IncomeRecognizedUnderCostRecoveryMethod" name="IncomeRecognizedUnderCostRecoveryMethod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="ecpg_IncomeTaxHolidayTerm" name="IncomeTaxHolidayTerm" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_IncomeTaxesLineItems" name="IncomeTaxesLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_IncomeTaxesTable" name="IncomeTaxesTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_InvestmentinReceivablesPortfolioRollForward" name="InvestmentinReceivablesPortfolioRollForward" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_JBridgePreferredEquityCertificatesMember" name="JBridgePreferredEquityCertificatesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_JCFlowersAndCompanyLimitedLiabilityCompanyMember" name="JCFlowersAndCompanyLimitedLiabilityCompanyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_JPreferredEquityCertificatesMember" name="JPreferredEquityCertificatesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_JanusHoldingsMember" name="JanusHoldingsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_LineOfCreditFacilityMaximumBorrowingCapacityIncludingAccordionFacility" name="LineOfCreditFacilityMaximumBorrowingCapacityIncludingAccordionFacility" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="ecpg_LineofCreditFacilityIncreasetoMaximumBorrowingCapacityAccordionProvision" name="LineofCreditFacilityIncreasetoMaximumBorrowingCapacityAccordionProvision" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="ecpg_LitigationSettlementEstimatedAttorneyFees" name="LitigationSettlementEstimatedAttorneyFees" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="ecpg_LitigationSettlementEstimatedCashContribution" name="LitigationSettlementEstimatedCashContribution" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="ecpg_LitigationSettlementEstimatedDebtForgiveness" name="LitigationSettlementEstimatedDebtForgiveness" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_MarlinMember" name="MarlinMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_MaximumAdditionalUnsecuredDebt" name="MaximumAdditionalUnsecuredDebt" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="ecpg_MaximumLoanToValueRatio" name="MaximumLoanToValueRatio" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_MidlandCreditManagementInc.TelephoneConsumerProtectionActLitigationMember" name="MidlandCreditManagementInc.TelephoneConsumerProtectionActLitigationMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_NoncontrollingInterestForeignCurrencyTransactionandTranslationAdjustment" name="NoncontrollingInterestForeignCurrencyTransactionandTranslationAdjustment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="ecpg_NumberofDebtAgreements" name="NumberofDebtAgreements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_OneMonthLIBORMember" name="OneMonthLIBORMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_OperatingIncomeLossBeforeDepreciationAndAmortizationStockCompensationAndOtherExpense" name="OperatingIncomeLossBeforeDepreciationAndAmortizationStockCompensationAndOtherExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_OtherBusinessCombinationsMember" name="OtherBusinessCombinationsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_OtherExpenseIncomeMember" name="OtherExpenseIncomeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_OtherLongTermDebtAndLineOfCreditFacilityAmountOutstanding" name="OtherLongTermDebtAndLineOfCreditFacilityAmountOutstanding" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="ecpg_OtherReceivableDuefromSeller" name="OtherReceivableDuefromSeller" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="ecpg_PercentageOfEligibleEstimatedRemainingCollections" name="PercentageOfEligibleEstimatedRemainingCollections" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_PercentageOfMultiplyingFactor" name="PercentageOfMultiplyingFactor" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_PercentageOfOutstandingVotingStock" name="PercentageOfOutstandingVotingStock" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_PercentageOfPaymentsMadeForPortfolioPurchase" name="PercentageOfPaymentsMadeForPortfolioPurchase" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_PercentageToBeAddedToAdjustedBaseRateForAlternateBaseRate" name="PercentageToBeAddedToAdjustedBaseRateForAlternateBaseRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_PercentageToBeAddedToBaseRateForAlternateBaseRate" name="PercentageToBeAddedToBaseRateForAlternateBaseRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_PortfolioPurchasingAndRecoveryMember" name="PortfolioPurchasingAndRecoveryMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_PreferredEquityCertificateMember" name="PreferredEquityCertificateMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_PreferredEquityCertificates" name="PreferredEquityCertificates" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="ecpg_PropelFacilityIIAmendedMember" name="PropelFacilityIIAmendedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_PropelFacilityIIMember" name="PropelFacilityIIMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_PropelFacilityIMember" name="PropelFacilityIMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_PropelSecuritizedFinancingFacilityMember" name="PropelSecuritizedFinancingFacilityMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_PropelTermLoanFacilityMember" name="PropelTermLoanFacilityMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_PropelfacilitiesMember" name="PropelfacilitiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_PropertyTaxLienCollectionfromForeclosurePercentageofProperties" name="PropertyTaxLienCollectionfromForeclosurePercentageofProperties" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_PropertyTaxPaymentAgreementsReceivableNet" name="PropertyTaxPaymentAgreementsReceivableNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="ecpg_PropertyTaxPaymentAgreementsReceivablePrincipalBalance" name="PropertyTaxPaymentAgreementsReceivablePrincipalBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="ecpg_ProvisionForCourtCostSpent" name="ProvisionForCourtCostSpent" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="ecpg_PurchaseCommitmentFaceAmount" name="PurchaseCommitmentFaceAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_ReceivablePortfoliosAbstract" name="ReceivablePortfoliosAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_ReceivablePortfoliosPercentageOfFaceValueOnPurchaseCost" name="ReceivablePortfoliosPercentageOfFaceValueOnPurchaseCost" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_ReceivablesPortfolioSemiperformingNumberofMonthsIncludedinReviewforPaymentsReceived" name="ReceivablesPortfolioSemiperformingNumberofMonthsIncludedinReviewforPaymentsReceived" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_ReceivablesPortfolioSemiperformingNumberofMonthsPaymentwasReceivedWithinPreviousFourMonths" name="ReceivablesPortfolioSemiperformingNumberofMonthsPaymentwasReceivedWithinPreviousFourMonths" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_ReclassificationsAbstract" name="ReclassificationsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_ReclassificationsofPermanenttoTemporaryEquityDebtConversion" name="ReclassificationsofPermanenttoTemporaryEquityDebtConversion" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="ecpg_RecoverableLegalFees" name="RecoverableLegalFees" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="ecpg_RedeemableNoncontrollingInterestIncreaseFromBusinessCombination" name="RedeemableNoncontrollingInterestIncreaseFromBusinessCombination" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="ecpg_RedeemableNoncontrollingInterestRollforwardTableTextBlock" name="RedeemableNoncontrollingInterestRollforwardTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_RestatedCreditAgreementMember" name="RestatedCreditAgreementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_RevenueAsPercentageOfCollections" name="RevenueAsPercentageOfCollections" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_ReversalProvisionForAllowancesOnReceivablePortfoliosNet" name="ReversalProvisionForAllowancesOnReceivablePortfoliosNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_Robinsonv.MidlandFundingandTovarv.MidlandCreditManagementMember" name="Robinsonv.MidlandFundingandTovarv.MidlandCreditManagementMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_SalariesAndEmployeeBenefitsMember" name="SalariesAndEmployeeBenefitsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_Scardinav.MidlandCreditManagementEncoreCapitalGroupandMartinv.MidlandFundingMember" name="Scardinav.MidlandCreditManagementEncoreCapitalGroupandMartinv.MidlandFundingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_ScheduleOfAccretableYieldAndEstimateOfZeroBasisFutureCashFlowsTableTextBlock" name="ScheduleOfAccretableYieldAndEstimateOfZeroBasisFutureCashFlowsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_ScheduleOfChangeInValuationAllowanceForInvestmentInReceivablePortfolioTableTextBlock" name="ScheduleOfChangeInValuationAllowanceForInvestmentInReceivablePortfolioTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_ScheduleOfChangesInBalanceOfInvestmentInReceivablePortfoliosTableTextBlock" name="ScheduleOfChangesInBalanceOfInvestmentInReceivablePortfoliosTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_ScheduleOfCourtCostReserveTableTextBlock" name="ScheduleOfCourtCostReserveTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_ScheduleOfDeferredCourtCostsTableTextBlock" name="ScheduleOfDeferredCourtCostsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_ScheduleofImpactFromReclassificationsTableTextBlock" name="ScheduleofImpactFromReclassificationsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_SeniorNotesOriginalAmount" name="SeniorNotesOriginalAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="ecpg_SeniorSecuredNotesPresentValueInputsDiscountRateSpread" name="SeniorSecuredNotesPresentValueInputsDiscountRateSpread" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_ServiceFeeReceivable" name="ServiceFeeReceivable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="ecpg_StockRepurchaseProgramMaximumAmountOfCommonStock" name="StockRepurchaseProgramMaximumAmountOfCommonStock" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_SubsequentFourYearsFromDecemberThirtyFirstAndTwoThousandEighteenMember" name="SubsequentFourYearsFromDecemberThirtyFirstAndTwoThousandEighteenMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_TaxHolidayThroughDecemberThirtyFirstAndTwoThousandEighteenMember" name="TaxHolidayThroughDecemberThirtyFirstAndTwoThousandEighteenMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_TaxLienBusinessMember" name="TaxLienBusinessMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_TaxLienTransferPolicyPolicyTextBlock" name="TaxLienTransferPolicyPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_TenPointFivePercentSeniorSecuredNotesDueTwoThousandTwentyMember" name="TenPointFivePercentSeniorSecuredNotesDueTwoThousandTwentyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_TermLoanMember" name="TermLoanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_TermLoanOneMember" name="TermLoanOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_TermLoanThreeMember" name="TermLoanThreeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_TermLoanTwoMember" name="TermLoanTwoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_TradeNameAndOtherMember" name="TradeNameAndOtherMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_TwoThousandElevenSeniorSecuredNotesMember" name="TwoThousandElevenSeniorSecuredNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_TwoThousandSeventeenConvertibleSeniorNotesMember" name="TwoThousandSeventeenConvertibleSeniorNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_TwoThousandTenSeniorSecuredNotesMember" name="TwoThousandTenSeniorSecuredNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_TwoThousandTwentyConvertibleSeniorNotesMember" name="TwoThousandTwentyConvertibleSeniorNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_TwoThousandTwentyOneConvertibleSeniorNotesMember" name="TwoThousandTwentyOneConvertibleSeniorNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_VariableInterestEntitiesDisclosureAbstract" name="VariableInterestEntitiesDisclosureAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="ecpg_WriteOffOfReserveAfterSixtyMonths" name="WriteOffOfReserveAfterSixtyMonths" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="ecpg_ZeroBasisPortfoliosMember" name="ZeroBasisPortfoliosMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
</xsd:schema>


