<?xml version="1.0" encoding="US-ASCII"?>
<!--XBRL Document Created with Wdesk from Workiva-->
<!-- -->
<linkbase xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <roleRef roleURI="http://www.encorecapital.com/role/BusinessCombinations" xlink:href="ecpg-20150630.xsd#BusinessCombinations" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/BusinessCombinationsComponentsOfPurchasePriceAllocationDetail" xlink:href="ecpg-20150630.xsd#BusinessCombinationsComponentsOfPurchasePriceAllocationDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/BusinessCombinationsTables" xlink:href="ecpg-20150630.xsd#BusinessCombinationsTables" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/CommitmentsAndContingencies" xlink:href="ecpg-20150630.xsd#CommitmentsAndContingencies" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/CommitmentsAndContingenciesAdditionalInformationDetail" xlink:href="ecpg-20150630.xsd#CommitmentsAndContingenciesAdditionalInformationDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/CondensedConsolidatedStatementsOfCashFlows" xlink:href="ecpg-20150630.xsd#CondensedConsolidatedStatementsOfCashFlows" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/CondensedConsolidatedStatementsOfComprehensiveIncome" xlink:href="ecpg-20150630.xsd#CondensedConsolidatedStatementsOfComprehensiveIncome" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/CondensedConsolidatedStatementsOfFinancialCondition" xlink:href="ecpg-20150630.xsd#CondensedConsolidatedStatementsOfFinancialCondition" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/CondensedConsolidatedStatementsOfFinancialConditionParenthetical" xlink:href="ecpg-20150630.xsd#CondensedConsolidatedStatementsOfFinancialConditionParenthetical" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/CondensedConsolidatedStatementsOfIncome" xlink:href="ecpg-20150630.xsd#CondensedConsolidatedStatementsOfIncome" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/Debt" xlink:href="ecpg-20150630.xsd#Debt" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/DebtBalancesOfLiabilityAndEquityComponentsDetail" xlink:href="ecpg-20150630.xsd#DebtBalancesOfLiabilityAndEquityComponentsDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/DebtCabotSeniorRevolvingCreditFacilityAndSeniorSecuredBridgeFacilityDetail" xlink:href="ecpg-20150630.xsd#DebtCabotSeniorRevolvingCreditFacilityAndSeniorSecuredBridgeFacilityDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/DebtCabotSeniorSecuredNotesDetail" xlink:href="ecpg-20150630.xsd#DebtCabotSeniorSecuredNotesDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/DebtComponentsOfDebtDetail" xlink:href="ecpg-20150630.xsd#DebtComponentsOfDebtDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/DebtConvertibleNotesHedgeTransactionsConversionAndEpsImpactDetails" xlink:href="ecpg-20150630.xsd#DebtConvertibleNotesHedgeTransactionsConversionAndEpsImpactDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/DebtDebtAndEquityComponentsAndIssuanceCostsOfConvertibleNotesDetails" xlink:href="ecpg-20150630.xsd#DebtDebtAndEquityComponentsAndIssuanceCostsOfConvertibleNotesDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/DebtEncoreConvertibleNotesDetails" xlink:href="ecpg-20150630.xsd#DebtEncoreConvertibleNotesDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/DebtEncoreRevolvingCreditFacilityAndTermLoanFacilityDetail" xlink:href="ecpg-20150630.xsd#DebtEncoreRevolvingCreditFacilityAndTermLoanFacilityDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/DebtEncoreSeniorSecuredNotesDetail" xlink:href="ecpg-20150630.xsd#DebtEncoreSeniorSecuredNotesDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/DebtInterestExpenseDetail" xlink:href="ecpg-20150630.xsd#DebtInterestExpenseDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/DebtPreferredEquityCertificatesAndCapitalLeaseObligationsDetails" xlink:href="ecpg-20150630.xsd#DebtPreferredEquityCertificatesAndCapitalLeaseObligationsDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/DebtPropelFacilitiesDetail" xlink:href="ecpg-20150630.xsd#DebtPropelFacilitiesDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/DebtTables" xlink:href="ecpg-20150630.xsd#DebtTables" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/DeferredCourtCostsNet" xlink:href="ecpg-20150630.xsd#DeferredCourtCostsNet" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/DeferredCourtCostsNetScheduleOfCourtCostReserveDetail" xlink:href="ecpg-20150630.xsd#DeferredCourtCostsNetScheduleOfCourtCostReserveDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/DeferredCourtCostsNetScheduleOfDeferredCourtCostsDetail" xlink:href="ecpg-20150630.xsd#DeferredCourtCostsNetScheduleOfDeferredCourtCostsDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/DeferredCourtCostsNetTables" xlink:href="ecpg-20150630.xsd#DeferredCourtCostsNetTables" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/DerivativesAndHedgingInstruments" xlink:href="ecpg-20150630.xsd#DerivativesAndHedgingInstruments" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/DerivativesAndHedgingInstrumentsAdditionalInformationDetail" xlink:href="ecpg-20150630.xsd#DerivativesAndHedgingInstrumentsAdditionalInformationDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/DerivativesAndHedgingInstrumentsSummaryOfEffectsOfDerivativesOnCashFlowHedgingRelationshipsInCompanysStatementsOfIncomeDetail" xlink:href="ecpg-20150630.xsd#DerivativesAndHedgingInstrumentsSummaryOfEffectsOfDerivativesOnCashFlowHedgingRelationshipsInCompanysStatementsOfIncomeDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/DerivativesAndHedgingInstrumentsSummaryOfFairValueOfDerivativeInstrumentsAsRecordedInCompanysConsolidatedStatementsOfFinancialConditionDetail" xlink:href="ecpg-20150630.xsd#DerivativesAndHedgingInstrumentsSummaryOfFairValueOfDerivativeInstrumentsAsRecordedInCompanysConsolidatedStatementsOfFinancialConditionDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/DerivativesAndHedgingInstrumentsTables" xlink:href="ecpg-20150630.xsd#DerivativesAndHedgingInstrumentsTables" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/DocumentAndEntityInformation" xlink:href="ecpg-20150630.xsd#DocumentAndEntityInformation" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/EarningsPerShare" xlink:href="ecpg-20150630.xsd#EarningsPerShare" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/EarningsPerShareAdditionalInformationDetails" xlink:href="ecpg-20150630.xsd#EarningsPerShareAdditionalInformationDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/EarningsPerShareReconciliationOfSharesUsedInCalculatingEarningsPerBasicAndDilutedSharesDetails" xlink:href="ecpg-20150630.xsd#EarningsPerShareReconciliationOfSharesUsedInCalculatingEarningsPerBasicAndDilutedSharesDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/EarningsPerShareTables" xlink:href="ecpg-20150630.xsd#EarningsPerShareTables" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/FairValueMeasurements" xlink:href="ecpg-20150630.xsd#FairValueMeasurements" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/FairValueMeasurementsAdditionalInformationDetail" xlink:href="ecpg-20150630.xsd#FairValueMeasurementsAdditionalInformationDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/FairValueMeasurementsChangeInRedeemableNoncontrollingInterestsDetail" xlink:href="ecpg-20150630.xsd#FairValueMeasurementsChangeInRedeemableNoncontrollingInterestsDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/FairValueMeasurementsSummaryOfFinancialAssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisDetail" xlink:href="ecpg-20150630.xsd#FairValueMeasurementsSummaryOfFinancialAssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/FairValueMeasurementsTables" xlink:href="ecpg-20150630.xsd#FairValueMeasurementsTables" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/GoodwillAndIdentifiableIntangibleAssets" xlink:href="ecpg-20150630.xsd#GoodwillAndIdentifiableIntangibleAssets" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/GoodwillAndIdentifiableIntangibleAssetsScheduleOfReportableSegmentsByReportingUnitsDetail" xlink:href="ecpg-20150630.xsd#GoodwillAndIdentifiableIntangibleAssetsScheduleOfReportableSegmentsByReportingUnitsDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/GoodwillAndIdentifiableIntangibleAssetsSummaryOfAcquiredIntangibleAssetsDetail" xlink:href="ecpg-20150630.xsd#GoodwillAndIdentifiableIntangibleAssetsSummaryOfAcquiredIntangibleAssetsDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/GoodwillAndIdentifiableIntangibleAssetsTables" xlink:href="ecpg-20150630.xsd#GoodwillAndIdentifiableIntangibleAssetsTables" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/IncomeTaxes" xlink:href="ecpg-20150630.xsd#IncomeTaxes" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/IncomeTaxesAdditionalInformationDetail" xlink:href="ecpg-20150630.xsd#IncomeTaxesAdditionalInformationDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/IncomeTaxesScheduleOfEffectiveTaxRatesDetail" xlink:href="ecpg-20150630.xsd#IncomeTaxesScheduleOfEffectiveTaxRatesDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/IncomeTaxesTables" xlink:href="ecpg-20150630.xsd#IncomeTaxesTables" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/InvestmentInReceivablePortfoliosNet" xlink:href="ecpg-20150630.xsd#InvestmentInReceivablePortfoliosNet" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/InvestmentInReceivablePortfoliosNetAdditionalInformationDetail" xlink:href="ecpg-20150630.xsd#InvestmentInReceivablePortfoliosNetAdditionalInformationDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/InvestmentInReceivablePortfoliosNetSummaryOfAccretableYieldAndEstimateOfZeroBasisFutureCashFlowsDetail" xlink:href="ecpg-20150630.xsd#InvestmentInReceivablePortfoliosNetSummaryOfAccretableYieldAndEstimateOfZeroBasisFutureCashFlowsDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/InvestmentInReceivablePortfoliosNetSummaryOfChangeInValuationAllowanceForInvestmentInReceivablePortfoliosDetail" xlink:href="ecpg-20150630.xsd#InvestmentInReceivablePortfoliosNetSummaryOfChangeInValuationAllowanceForInvestmentInReceivablePortfoliosDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/InvestmentInReceivablePortfoliosNetSummaryOfChangesInBalanceOfInvestmentInReceivablePortfoliosDetail" xlink:href="ecpg-20150630.xsd#InvestmentInReceivablePortfoliosNetSummaryOfChangesInBalanceOfInvestmentInReceivablePortfoliosDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/InvestmentInReceivablePortfoliosNetTables" xlink:href="ecpg-20150630.xsd#InvestmentInReceivablePortfoliosNetTables" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/OtherAssets" xlink:href="ecpg-20150630.xsd#OtherAssets" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/OtherAssetsComponentsOfOtherAssetsDetail" xlink:href="ecpg-20150630.xsd#OtherAssetsComponentsOfOtherAssetsDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/OtherAssetsTables" xlink:href="ecpg-20150630.xsd#OtherAssetsTables" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/OwnershipDescriptionOfBusinessAndSummaryOfSignificantAccountingPolicies" xlink:href="ecpg-20150630.xsd#OwnershipDescriptionOfBusinessAndSummaryOfSignificantAccountingPolicies" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/OwnershipDescriptionOfBusinessAndSummaryOfSignificantAccountingPoliciesAdditionalInformationDetail" xlink:href="ecpg-20150630.xsd#OwnershipDescriptionOfBusinessAndSummaryOfSignificantAccountingPoliciesAdditionalInformationDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/OwnershipDescriptionOfBusinessAndSummaryOfSignificantAccountingPoliciesPolicies" xlink:href="ecpg-20150630.xsd#OwnershipDescriptionOfBusinessAndSummaryOfSignificantAccountingPoliciesPolicies" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/OwnershipDescriptionOfBusinessAndSummaryOfSignificantAccountingPoliciesTables" xlink:href="ecpg-20150630.xsd#OwnershipDescriptionOfBusinessAndSummaryOfSignificantAccountingPoliciesTables" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/ReceivablesSecuredByPropertyTaxLiensNet" xlink:href="ecpg-20150630.xsd#ReceivablesSecuredByPropertyTaxLiensNet" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/ReceivablesSecuredByPropertyTaxLiensNetDetails" xlink:href="ecpg-20150630.xsd#ReceivablesSecuredByPropertyTaxLiensNetDetails" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/SegmentInformation" xlink:href="ecpg-20150630.xsd#SegmentInformation" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/SegmentInformationAdditionalInformationDetail" xlink:href="ecpg-20150630.xsd#SegmentInformationAdditionalInformationDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/SegmentInformationReconciliationOfRevenueAndOperatingIncomeFromSegmentsToConsolidatedDetail" xlink:href="ecpg-20150630.xsd#SegmentInformationReconciliationOfRevenueAndOperatingIncomeFromSegmentsToConsolidatedDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/SegmentInformationScheduleOfGeographicalAreasOfWhichCompanyOperatesDetail" xlink:href="ecpg-20150630.xsd#SegmentInformationScheduleOfGeographicalAreasOfWhichCompanyOperatesDetail" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/SegmentInformationTables" xlink:href="ecpg-20150630.xsd#SegmentInformationTables" xlink:type="simple" />
  <roleRef roleURI="http://www.encorecapital.com/role/VariableInterestEntities" xlink:href="ecpg-20150630.xsd#VariableInterestEntities" xlink:type="simple" />
  <roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" xlink:type="simple" />
  <roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" xlink:type="simple" />
  <roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" xlink:type="simple" />
  <roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" xlink:type="simple" />
  <roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" xlink:type="simple" />
  <roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" xlink:type="simple" />
  <roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" xlink:type="simple" />
  <presentationLink xlink:role="http://www.encorecapital.com/role/BusinessCombinations" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationsAbstract" xlink:label="loc_us-gaap_BusinessCombinationsAbstract_608282BEE012BBD7C356E4F324268819" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationDisclosureTextBlock" xlink:label="loc_us-gaap_BusinessCombinationDisclosureTextBlock_00AEB74392B0F921C674E4F3242B3387" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationsAbstract_608282BEE012BBD7C356E4F324268819" xlink:to="loc_us-gaap_BusinessCombinationDisclosureTextBlock_00AEB74392B0F921C674E4F3242B3387" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/BusinessCombinationsComponentsOfPurchasePriceAllocationDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationsAbstract" xlink:label="loc_us-gaap_BusinessCombinationsAbstract_7CA0EAF798CD8B286976FEE401FB2F00" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_DFA73EC30101EE4C1A20FEE401FC1ED0" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationsAbstract_7CA0EAF798CD8B286976FEE401FB2F00" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_DFA73EC30101EE4C1A20FEE401FC1ED0" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessAcquisitionAxis" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_1754D20D1E9682C6857CFEE401FC9DA2" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_DFA73EC30101EE4C1A20FEE401FC1ED0" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_1754D20D1E9682C6857CFEE401FC9DA2" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessAcquisitionAcquireeDomain" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_B4BFB212C5A39F795069FEE401FC39C1" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_1754D20D1E9682C6857CFEE401FC9DA2" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_B4BFB212C5A39F795069FEE401FC39C1" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_HillesdenSecuritiesLtddlcMember" xlink:label="loc_ecpg_HillesdenSecuritiesLtddlcMember_38ABE72487A447473107FEE401FD6FE4" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_B4BFB212C5A39F795069FEE401FC39C1" xlink:to="loc_ecpg_HillesdenSecuritiesLtddlcMember_38ABE72487A447473107FEE401FD6FE4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessAcquisitionLineItems" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_A34E21C37C2A7901E663FEE401FDEB28" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_DFA73EC30101EE4C1A20FEE401FC1ED0" xlink:to="loc_us-gaap_BusinessAcquisitionLineItems_A34E21C37C2A7901E663FEE401FDEB28" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PaymentsToAcquireBusinessesGross" xlink:label="loc_us-gaap_PaymentsToAcquireBusinessesGross_EDC63815EF03D56C6A65FEE401FD0C63" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_A34E21C37C2A7901E663FEE401FDEB28" xlink:to="loc_us-gaap_PaymentsToAcquireBusinessesGross_EDC63815EF03D56C6A65FEE401FD0C63" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationConsiderationTransferredOther1" xlink:label="loc_us-gaap_BusinessCombinationConsiderationTransferredOther1_8BA7A6B8FCFAEE297092FEE401FE7B1B" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_A34E21C37C2A7901E663FEE401FDEB28" xlink:to="loc_us-gaap_BusinessCombinationConsiderationTransferredOther1_8BA7A6B8FCFAEE297092FEE401FE7B1B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationConsiderationTransferred1" xlink:label="loc_us-gaap_BusinessCombinationConsiderationTransferred1_9637FFF075F5B43C220FFEE401FE53AD" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_A34E21C37C2A7901E663FEE401FDEB28" xlink:to="loc_us-gaap_BusinessCombinationConsiderationTransferred1_9637FFF075F5B43C220FFEE401FE53AD" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNetAbstract" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNetAbstract_366A1D057FD4EDDF0612FEE401FE422F" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_A34E21C37C2A7901E663FEE401FDEB28" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNetAbstract_366A1D057FD4EDDF0612FEE401FE422F" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_80DC10B5150365504E61FEE401FE88DB" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNetAbstract_366A1D057FD4EDDF0612FEE401FE422F" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_80DC10B5150365504E61FEE401FE88DB" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsReceivables" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsReceivables_076E9BEA98E793C47E64FEE401FE0395" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNetAbstract_366A1D057FD4EDDF0612FEE401FE422F" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsReceivables_076E9BEA98E793C47E64FEE401FE0395" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther_E71650661170788A2577FEE401FEF1A7" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNetAbstract_366A1D057FD4EDDF0612FEE401FE422F" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther_E71650661170788A2577FEE401FEF1A7" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedPropertyPlantAndEquipment" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedPropertyPlantAndEquipment_B1C24BE8D9849D9A6971FEE401FEB5F3" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNetAbstract_366A1D057FD4EDDF0612FEE401FE422F" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedPropertyPlantAndEquipment_B1C24BE8D9849D9A6971FEE401FEB5F3" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsPrepaidExpenseAndOtherAssets" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsPrepaidExpenseAndOtherAssets_C643AC704FBAF5AFB242FEE401FE86B1" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNetAbstract_366A1D057FD4EDDF0612FEE401FE422F" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsPrepaidExpenseAndOtherAssets_C643AC704FBAF5AFB242FEE401FE86B1" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_7EE971D60E5B1A343F22FEE401FED6C7" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNetAbstract_366A1D057FD4EDDF0612FEE401FE422F" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_7EE971D60E5B1A343F22FEE401FED6C7" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill_EA78B01FEAA0864F0C2EFEE401FEE2B4" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNetAbstract_366A1D057FD4EDDF0612FEE401FE422F" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill_EA78B01FEAA0864F0C2EFEE401FEE2B4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_Goodwill" xlink:label="loc_us-gaap_Goodwill_245E8AEE642D9102F8C4FEE401FECCE7" xlink:type="locator" />
    <presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNetAbstract_366A1D057FD4EDDF0612FEE401FE422F" xlink:to="loc_us-gaap_Goodwill_245E8AEE642D9102F8C4FEE401FECCE7" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet_46C6C1B1A52ADF1AB0C0FEE401FF5CFA" xlink:type="locator" />
    <presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNetAbstract_366A1D057FD4EDDF0612FEE401FE422F" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNet_46C6C1B1A52ADF1AB0C0FEE401FF5CFA" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAdditionalDisclosuresAcquisitionCostExpensed" xlink:label="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAdditionalDisclosuresAcquisitionCostExpensed_43006E183080E2A3E367FEE401FFB74E" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_A34E21C37C2A7901E663FEE401FDEB28" xlink:to="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAdditionalDisclosuresAcquisitionCostExpensed_43006E183080E2A3E367FEE401FFB74E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationProFormaInformationRevenueOfAcquireeSinceAcquisitionDateActual" xlink:label="loc_us-gaap_BusinessCombinationProFormaInformationRevenueOfAcquireeSinceAcquisitionDateActual_EFD1A02EA5F4B3C3F3D7FEE401FFA21C" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_A34E21C37C2A7901E663FEE401FDEB28" xlink:to="loc_us-gaap_BusinessCombinationProFormaInformationRevenueOfAcquireeSinceAcquisitionDateActual_EFD1A02EA5F4B3C3F3D7FEE401FFA21C" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationProFormaInformationEarningsOrLossOfAcquireeSinceAcquisitionDateActual" xlink:label="loc_us-gaap_BusinessCombinationProFormaInformationEarningsOrLossOfAcquireeSinceAcquisitionDateActual_1F229E2D1CE5027C7D17FEE401FF7743" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_A34E21C37C2A7901E663FEE401FDEB28" xlink:to="loc_us-gaap_BusinessCombinationProFormaInformationEarningsOrLossOfAcquireeSinceAcquisitionDateActual_1F229E2D1CE5027C7D17FEE401FF7743" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/BusinessCombinationsTables" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationsAbstract" xlink:label="loc_us-gaap_BusinessCombinationsAbstract_7C2D247534744FFCB696E4F32424F140" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_990DB46394E35CD7DE4CE4F32424E4C2" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationsAbstract_7C2D247534744FFCB696E4F32424F140" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_990DB46394E35CD7DE4CE4F32424E4C2" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessAcquisitionAxis" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_0D4EFA8BBD7B2FBDAE6EE4F324241A45" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_990DB46394E35CD7DE4CE4F32424E4C2" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_0D4EFA8BBD7B2FBDAE6EE4F324241A45" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessAcquisitionAcquireeDomain" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_71699F0D533B3236A430E4F32425D363" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_0D4EFA8BBD7B2FBDAE6EE4F324241A45" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_71699F0D533B3236A430E4F32425D363" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_HillesdenSecuritiesLtddlcMember" xlink:label="loc_ecpg_HillesdenSecuritiesLtddlcMember_C55A9AA01B80706F0A64E4F32425D0CD" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_71699F0D533B3236A430E4F32425D363" xlink:to="loc_ecpg_HillesdenSecuritiesLtddlcMember_C55A9AA01B80706F0A64E4F32425D0CD" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_AtlanticCreditandFinanceInc.Member" xlink:label="loc_ecpg_AtlanticCreditandFinanceInc.Member_DA70E25072F41BB8A658E4F324259A88" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_71699F0D533B3236A430E4F32425D363" xlink:to="loc_ecpg_AtlanticCreditandFinanceInc.Member_DA70E25072F41BB8A658E4F324259A88" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessAcquisitionLineItems" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_FDEF934D34FDFF3813CAE4F324252626" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_990DB46394E35CD7DE4CE4F32424E4C2" xlink:to="loc_us-gaap_BusinessAcquisitionLineItems_FDEF934D34FDFF3813CAE4F324252626" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTextBlock" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTextBlock_858D9050F6C89B773DA5E4F32425C450" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_FDEF934D34FDFF3813CAE4F324252626" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTextBlock_858D9050F6C89B773DA5E4F32425C450" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/CommitmentsAndContingencies" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_F981A13CC2905CC58A7EE4AAF56B2FA4" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_2CBB71E4FDE7FCB7B042E4AAF56B86AB" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_F981A13CC2905CC58A7EE4AAF56B2FA4" xlink:to="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_2CBB71E4FDE7FCB7B042E4AAF56B86AB" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/CommitmentsAndContingenciesAdditionalInformationDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_F1B611E7332B3F7E75BDF9A2E5F287E4" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LossContingenciesTable" xlink:label="loc_us-gaap_LossContingenciesTable_FD28A893EB768080D22EF9B47DE9DB15" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_F1B611E7332B3F7E75BDF9A2E5F287E4" xlink:to="loc_us-gaap_LossContingenciesTable_FD28A893EB768080D22EF9B47DE9DB15" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LitigationCaseAxis" xlink:label="loc_us-gaap_LitigationCaseAxis_1451CDEC5243CAC9655BF9B47DEA8E31" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesTable_FD28A893EB768080D22EF9B47DE9DB15" xlink:to="loc_us-gaap_LitigationCaseAxis_1451CDEC5243CAC9655BF9B47DEA8E31" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LitigationCaseTypeDomain" xlink:label="loc_us-gaap_LitigationCaseTypeDomain_01ED832B955DBAFF3E9DF9B47DEC4746" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LitigationCaseAxis_1451CDEC5243CAC9655BF9B47DEA8E31" xlink:to="loc_us-gaap_LitigationCaseTypeDomain_01ED832B955DBAFF3E9DF9B47DEC4746" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_MidlandCreditManagementInc.TelephoneConsumerProtectionActLitigationMember" xlink:label="loc_ecpg_MidlandCreditManagementInc.TelephoneConsumerProtectionActLitigationMember_9717E99BB020A3E83A22F9BB8ED2BD23" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LitigationCaseTypeDomain_01ED832B955DBAFF3E9DF9B47DEC4746" xlink:to="loc_ecpg_MidlandCreditManagementInc.TelephoneConsumerProtectionActLitigationMember_9717E99BB020A3E83A22F9BB8ED2BD23" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_Robinsonv.MidlandFundingandTovarv.MidlandCreditManagementMember" xlink:label="loc_ecpg_Robinsonv.MidlandFundingandTovarv.MidlandCreditManagementMember_51829FD37D5C9EB532BDF9B762D21A64" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_MidlandCreditManagementInc.TelephoneConsumerProtectionActLitigationMember_9717E99BB020A3E83A22F9BB8ED2BD23" xlink:to="loc_ecpg_Robinsonv.MidlandFundingandTovarv.MidlandCreditManagementMember_51829FD37D5C9EB532BDF9B762D21A64" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_Scardinav.MidlandCreditManagementEncoreCapitalGroupandMartinv.MidlandFundingMember" xlink:label="loc_ecpg_Scardinav.MidlandCreditManagementEncoreCapitalGroupandMartinv.MidlandFundingMember_6FA48864181D6EBFC13CF9B891A33AA7" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_MidlandCreditManagementInc.TelephoneConsumerProtectionActLitigationMember_9717E99BB020A3E83A22F9BB8ED2BD23" xlink:to="loc_ecpg_Scardinav.MidlandCreditManagementEncoreCapitalGroupandMartinv.MidlandFundingMember_6FA48864181D6EBFC13CF9B891A33AA7" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LitigationStatusAxis" xlink:label="loc_us-gaap_LitigationStatusAxis_BB7D677BBDB313A840BFF9B47DECA87D" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesTable_FD28A893EB768080D22EF9B47DE9DB15" xlink:to="loc_us-gaap_LitigationStatusAxis_BB7D677BBDB313A840BFF9B47DECA87D" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LitigationStatusDomain" xlink:label="loc_us-gaap_LitigationStatusDomain_C314E7204F24E39DB25FF9B47DED3FD8" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LitigationStatusAxis_BB7D677BBDB313A840BFF9B47DECA87D" xlink:to="loc_us-gaap_LitigationStatusDomain_C314E7204F24E39DB25FF9B47DED3FD8" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PendingLitigationMember" xlink:label="loc_us-gaap_PendingLitigationMember_D7F65FF96884A3E4049BF9BBE901127A" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LitigationStatusDomain_C314E7204F24E39DB25FF9B47DED3FD8" xlink:to="loc_us-gaap_PendingLitigationMember_D7F65FF96884A3E4049BF9BBE901127A" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LossContingenciesLineItems" xlink:label="loc_us-gaap_LossContingenciesLineItems_5F33AB9ED73C87E81AEAF9B47DEF36CC" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesTable_FD28A893EB768080D22EF9B47DE9DB15" xlink:to="loc_us-gaap_LossContingenciesLineItems_5F33AB9ED73C87E81AEAF9B47DEF36CC" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LossContingencyEstimateOfPossibleLoss" xlink:label="loc_us-gaap_LossContingencyEstimateOfPossibleLoss_999FBABF0F262450CCF0F9A2E5F2AADD" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesLineItems_5F33AB9ED73C87E81AEAF9B47DEF36CC" xlink:to="loc_us-gaap_LossContingencyEstimateOfPossibleLoss_999FBABF0F262450CCF0F9A2E5F2AADD" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LossContingencyNewClaimsFiledNumber" xlink:label="loc_us-gaap_LossContingencyNewClaimsFiledNumber_1D454E7B9A90F85C083FF9B229DCBA21" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesLineItems_5F33AB9ED73C87E81AEAF9B47DEF36CC" xlink:to="loc_us-gaap_LossContingencyNewClaimsFiledNumber_1D454E7B9A90F85C083FF9B229DCBA21" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_LitigationSettlementEstimatedCashContribution" xlink:label="loc_ecpg_LitigationSettlementEstimatedCashContribution_54B811186D395C555C0FF9C21CFB847A" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesLineItems_5F33AB9ED73C87E81AEAF9B47DEF36CC" xlink:to="loc_ecpg_LitigationSettlementEstimatedCashContribution_54B811186D395C555C0FF9C21CFB847A" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_LitigationSettlementEstimatedDebtForgiveness" xlink:label="loc_ecpg_LitigationSettlementEstimatedDebtForgiveness_B0B9E9DBC4DD16902DAFF9C338A4DF8C" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesLineItems_5F33AB9ED73C87E81AEAF9B47DEF36CC" xlink:to="loc_ecpg_LitigationSettlementEstimatedDebtForgiveness_B0B9E9DBC4DD16902DAFF9C338A4DF8C" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_LitigationSettlementEstimatedAttorneyFees" xlink:label="loc_ecpg_LitigationSettlementEstimatedAttorneyFees_0D7026144EC1799AC4CDF9C459C54D9B" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesLineItems_5F33AB9ED73C87E81AEAF9B47DEF36CC" xlink:to="loc_ecpg_LitigationSettlementEstimatedAttorneyFees_0D7026144EC1799AC4CDF9C459C54D9B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LitigationReserve" xlink:label="loc_us-gaap_LitigationReserve_C8B986BA9D9949115DA7F9A2E5F7F3FC" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesLineItems_5F33AB9ED73C87E81AEAF9B47DEF36CC" xlink:to="loc_us-gaap_LitigationReserve_C8B986BA9D9949115DA7F9A2E5F7F3FC" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_PurchaseCommitmentFaceAmount" xlink:label="loc_ecpg_PurchaseCommitmentFaceAmount_74120F68CACCA710579FF9A2E5F82388" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesLineItems_5F33AB9ED73C87E81AEAF9B47DEF36CC" xlink:to="loc_ecpg_PurchaseCommitmentFaceAmount_74120F68CACCA710579FF9A2E5F82388" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PurchaseCommitmentRemainingMinimumAmountCommitted" xlink:label="loc_us-gaap_PurchaseCommitmentRemainingMinimumAmountCommitted_410B39E5C6521D4EA222F9A2E5F883F9" xlink:type="locator" />
    <presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesLineItems_5F33AB9ED73C87E81AEAF9B47DEF36CC" xlink:to="loc_us-gaap_PurchaseCommitmentRemainingMinimumAmountCommitted_410B39E5C6521D4EA222F9A2E5F883F9" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/CondensedConsolidatedStatementsOfCashFlows" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="loc_us-gaap_StatementOfCashFlowsAbstract_E8E83C62BEBAF995EF84FE4FD9557F49" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_46CC6066E89EF73C9640FE4FD955E673" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_E8E83C62BEBAF995EF84FE4FD9557F49" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_46CC6066E89EF73C9640FE4FD955E673" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ProfitLoss" xlink:label="loc_us-gaap_ProfitLoss_E503B0E84755D8840986FE4FD955B228" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_46CC6066E89EF73C9640FE4FD955E673" xlink:to="loc_us-gaap_ProfitLoss_E503B0E84755D8840986FE4FD955B228" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_53972CEAA1625ADCAEEBFE4FD955AE3B" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_46CC6066E89EF73C9640FE4FD955E673" xlink:to="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_53972CEAA1625ADCAEEBFE4FD955AE3B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DepreciationDepletionAndAmortization" xlink:label="loc_us-gaap_DepreciationDepletionAndAmortization_B68F5D1F61CEF9DA8100FE4FD95582A6" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_53972CEAA1625ADCAEEBFE4FD955AE3B" xlink:to="loc_us-gaap_DepreciationDepletionAndAmortization_B68F5D1F61CEF9DA8100FE4FD95582A6" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherNoncashIncomeExpense" xlink:label="loc_us-gaap_OtherNoncashIncomeExpense_1FCD5352CBCB9834DDF7FE4FD955E5CD" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_53972CEAA1625ADCAEEBFE4FD955AE3B" xlink:to="loc_us-gaap_OtherNoncashIncomeExpense_1FCD5352CBCB9834DDF7FE4FD955E5CD" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ShareBasedCompensation" xlink:label="loc_us-gaap_ShareBasedCompensation_5B96CECC37A77159D7EEFE4FD955E8E4" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_53972CEAA1625ADCAEEBFE4FD955AE3B" xlink:to="loc_us-gaap_ShareBasedCompensation_5B96CECC37A77159D7EEFE4FD955E8E4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_DCC82318C43FB4BB1D8FFE4FD95540E3" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_53972CEAA1625ADCAEEBFE4FD955AE3B" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_DCC82318C43FB4BB1D8FFE4FD95540E3" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ExcessTaxBenefitFromShareBasedCompensationOperatingActivities" xlink:label="loc_us-gaap_ExcessTaxBenefitFromShareBasedCompensationOperatingActivities_BDF99D7A4DE84B60F32BFE4FD9563500" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_53972CEAA1625ADCAEEBFE4FD955AE3B" xlink:to="loc_us-gaap_ExcessTaxBenefitFromShareBasedCompensationOperatingActivities_BDF99D7A4DE84B60F32BFE4FD9563500" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_ReversalProvisionForAllowancesOnReceivablePortfoliosNet" xlink:label="loc_ecpg_ReversalProvisionForAllowancesOnReceivablePortfoliosNet_2275DDF7FF2C63E0AAD5FE4FD956580E" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_53972CEAA1625ADCAEEBFE4FD955AE3B" xlink:to="loc_ecpg_ReversalProvisionForAllowancesOnReceivablePortfoliosNet_2275DDF7FF2C63E0AAD5FE4FD956580E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:label="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_54528F1E890C026972A6FE4FD956A465" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_46CC6066E89EF73C9640FE4FD955E673" xlink:to="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_54528F1E890C026972A6FE4FD956A465" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_421E19F73FA4FF557C30FE4FD956E533" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_54528F1E890C026972A6FE4FD956A465" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_421E19F73FA4FF557C30FE4FD956E533" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable_57FCCBA1E7362E6C84C7FE4FD956D462" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_54528F1E890C026972A6FE4FD956A465" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable_57FCCBA1E7362E6C84C7FE4FD956D462" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities_5147830BD2AD59AAA832FE4FD95659AB" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_54528F1E890C026972A6FE4FD956A465" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities_5147830BD2AD59AAA832FE4FD95659AB" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_70424D81F87E3879D717FE4FD956B086" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_46CC6066E89EF73C9640FE4FD955E673" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_70424D81F87E3879D717FE4FD956B086" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_60FC764B0C23F0C365C3FE4FD956A339" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_E8E83C62BEBAF995EF84FE4FD9557F49" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_60FC764B0C23F0C365C3FE4FD956A339" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired" xlink:label="loc_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_6A5B6F7A546F0114D486FE4FD95655CB" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_60FC764B0C23F0C365C3FE4FD956A339" xlink:to="loc_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_6A5B6F7A546F0114D486FE4FD95655CB" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PaymentsToAcquireFinanceReceivables" xlink:label="loc_us-gaap_PaymentsToAcquireFinanceReceivables_4B58595B6422033D895DFE4FD956CD6A" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_60FC764B0C23F0C365C3FE4FD956A339" xlink:to="loc_us-gaap_PaymentsToAcquireFinanceReceivables_4B58595B6422033D895DFE4FD956CD6A" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ProceedsFromCollectionOfFinanceReceivables" xlink:label="loc_us-gaap_ProceedsFromCollectionOfFinanceReceivables_E8E7F913C79E888CF603FE4FD9566F94" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_60FC764B0C23F0C365C3FE4FD956A339" xlink:to="loc_us-gaap_ProceedsFromCollectionOfFinanceReceivables_E8E7F913C79E888CF603FE4FD9566F94" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PaymentsToAcquireNotesReceivable" xlink:label="loc_us-gaap_PaymentsToAcquireNotesReceivable_9D65F460BA18D8DB3BCDFE4FD9567295" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_60FC764B0C23F0C365C3FE4FD956A339" xlink:to="loc_us-gaap_PaymentsToAcquireNotesReceivable_9D65F460BA18D8DB3BCDFE4FD9567295" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ProceedsFromCollectionOfNotesReceivable" xlink:label="loc_us-gaap_ProceedsFromCollectionOfNotesReceivable_B39929ACA1BDE0157430FE4FD95633A9" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_60FC764B0C23F0C365C3FE4FD956A339" xlink:to="loc_us-gaap_ProceedsFromCollectionOfNotesReceivable_B39929ACA1BDE0157430FE4FD95633A9" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_71E7E6752E1E612BC50CFE4FD95696D2" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_60FC764B0C23F0C365C3FE4FD956A339" xlink:to="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_71E7E6752E1E612BC50CFE4FD95696D2" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PaymentsForProceedsFromOtherInvestingActivities" xlink:label="loc_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_CC239B1E54407234E715FE4FD956B956" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_60FC764B0C23F0C365C3FE4FD956A339" xlink:to="loc_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_CC239B1E54407234E715FE4FD956B956" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_346A75B1785B995DB251FE4FD956EFDB" xlink:type="locator" />
    <presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_60FC764B0C23F0C365C3FE4FD956A339" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_346A75B1785B995DB251FE4FD956EFDB" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_604D28F5DBC87C65C878FE4FD95736D5" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_E8E83C62BEBAF995EF84FE4FD9557F49" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_604D28F5DBC87C65C878FE4FD95736D5" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PaymentsOfFinancingCosts" xlink:label="loc_us-gaap_PaymentsOfFinancingCosts_D242173E866E4ABAF2EDFE4FD957DECB" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_604D28F5DBC87C65C878FE4FD95736D5" xlink:to="loc_us-gaap_PaymentsOfFinancingCosts_D242173E866E4ABAF2EDFE4FD957DECB" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ProceedsFromLongTermLinesOfCredit" xlink:label="loc_us-gaap_ProceedsFromLongTermLinesOfCredit_6893BFBD12660E233DF0FE4FD9576921" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_604D28F5DBC87C65C878FE4FD95736D5" xlink:to="loc_us-gaap_ProceedsFromLongTermLinesOfCredit_6893BFBD12660E233DF0FE4FD9576921" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RepaymentsOfLongTermLinesOfCredit" xlink:label="loc_us-gaap_RepaymentsOfLongTermLinesOfCredit_B5650CB7A4BA4D8E2917FE4FD9571620" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_604D28F5DBC87C65C878FE4FD95736D5" xlink:to="loc_us-gaap_RepaymentsOfLongTermLinesOfCredit_B5650CB7A4BA4D8E2917FE4FD9571620" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ProceedsFromIssuanceOfSeniorLongTermDebt" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfSeniorLongTermDebt_DCAE4D6BF61D0EBC102CFE4FD9578924" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_604D28F5DBC87C65C878FE4FD95736D5" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfSeniorLongTermDebt_DCAE4D6BF61D0EBC102CFE4FD9578924" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RepaymentsOfSeniorDebt" xlink:label="loc_us-gaap_RepaymentsOfSeniorDebt_B2892884BD4E4CC6A578FE4FD95731DF" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_604D28F5DBC87C65C878FE4FD95736D5" xlink:to="loc_us-gaap_RepaymentsOfSeniorDebt_B2892884BD4E4CC6A578FE4FD95731DF" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ProceedsFromConvertibleDebt" xlink:label="loc_us-gaap_ProceedsFromConvertibleDebt_8FA0F8AD47E6245C570BFE4FD9576F98" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_604D28F5DBC87C65C878FE4FD95736D5" xlink:to="loc_us-gaap_ProceedsFromConvertibleDebt_8FA0F8AD47E6245C570BFE4FD9576F98" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ProceedsFromSecuredNotesPayable" xlink:label="loc_us-gaap_ProceedsFromSecuredNotesPayable_A82D678C2AF161178CD2FE4FD9579E32" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_604D28F5DBC87C65C878FE4FD95736D5" xlink:to="loc_us-gaap_ProceedsFromSecuredNotesPayable_A82D678C2AF161178CD2FE4FD9579E32" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RepaymentsOfSecuredDebt" xlink:label="loc_us-gaap_RepaymentsOfSecuredDebt_E452481F767A991DCD91FE4FD957CF00" xlink:type="locator" />
    <presentationArc order="8" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_604D28F5DBC87C65C878FE4FD95736D5" xlink:to="loc_us-gaap_RepaymentsOfSecuredDebt_E452481F767A991DCD91FE4FD957CF00" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PaymentsForHedgeFinancingActivities" xlink:label="loc_us-gaap_PaymentsForHedgeFinancingActivities_42139F3AE6A5E98DF739FE4FD957AF42" xlink:type="locator" />
    <presentationArc order="9" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_604D28F5DBC87C65C878FE4FD95736D5" xlink:to="loc_us-gaap_PaymentsForHedgeFinancingActivities_42139F3AE6A5E98DF739FE4FD957AF42" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_02B487F69366E5B0DFDCFE4FD957AF95" xlink:type="locator" />
    <presentationArc order="10" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_604D28F5DBC87C65C878FE4FD95736D5" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_02B487F69366E5B0DFDCFE4FD957AF95" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:label="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_B5E6B8317123E52E6397FE4FD9578C9F" xlink:type="locator" />
    <presentationArc order="11" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_604D28F5DBC87C65C878FE4FD95736D5" xlink:to="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_B5E6B8317123E52E6397FE4FD9578C9F" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities" xlink:label="loc_us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities_352AD500C192F63D4A90FE4FD957A10C" xlink:type="locator" />
    <presentationArc order="12" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_604D28F5DBC87C65C878FE4FD95736D5" xlink:to="loc_us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities_352AD500C192F63D4A90FE4FD957A10C" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" xlink:label="loc_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_8E63D65028694B3B9A9CFE4FD95739AD" xlink:type="locator" />
    <presentationArc order="13" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_604D28F5DBC87C65C878FE4FD95736D5" xlink:to="loc_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_8E63D65028694B3B9A9CFE4FD95739AD" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_2A1BD385A7E57D0DE6E8FE4FD957989F" xlink:type="locator" />
    <presentationArc order="14" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_604D28F5DBC87C65C878FE4FD95736D5" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_2A1BD385A7E57D0DE6E8FE4FD957989F" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect" xlink:label="loc_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect_7D259312586C882B69AEFE4FD957DAE8" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_E8E83C62BEBAF995EF84FE4FD9557F49" xlink:to="loc_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect_7D259312586C882B69AEFE4FD957DAE8" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents" xlink:label="loc_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents_90DE89E10365794D0A66FE4FD9574680" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_E8E83C62BEBAF995EF84FE4FD9557F49" xlink:to="loc_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents_90DE89E10365794D0A66FE4FD9574680" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_7CBBA860BB69C963F1F7FE4FD958E288" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_E8E83C62BEBAF995EF84FE4FD9557F49" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_7CBBA860BB69C963F1F7FE4FD958E288" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_115EAC20B4B9E7ECB7DDFE4FD95856E4" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_E8E83C62BEBAF995EF84FE4FD9557F49" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_115EAC20B4B9E7ECB7DDFE4FD95856E4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="loc_us-gaap_SupplementalCashFlowInformationAbstract_DED12DFB210827A8D2D3FE4FD958A406" xlink:type="locator" />
    <presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_E8E83C62BEBAF995EF84FE4FD9557F49" xlink:to="loc_us-gaap_SupplementalCashFlowInformationAbstract_DED12DFB210827A8D2D3FE4FD958A406" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_InterestPaid" xlink:label="loc_us-gaap_InterestPaid_CF4835F92AB01B34F4A0FE4FD95845F2" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_DED12DFB210827A8D2D3FE4FD958A406" xlink:to="loc_us-gaap_InterestPaid_CF4835F92AB01B34F4A0FE4FD95845F2" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncomeTaxesPaidNet" xlink:label="loc_us-gaap_IncomeTaxesPaidNet_F6B470C33EFEFE8C7880FE4FD958EDF7" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_DED12DFB210827A8D2D3FE4FD958A406" xlink:to="loc_us-gaap_IncomeTaxesPaidNet_F6B470C33EFEFE8C7880FE4FD958EDF7" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract" xlink:label="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_3641A85A88520F984A12FE4FD958423B" xlink:type="locator" />
    <presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_E8E83C62BEBAF995EF84FE4FD9557F49" xlink:to="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_3641A85A88520F984A12FE4FD958423B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NoncashOrPartNoncashAcquisitionFixedAssetsAcquired1" xlink:label="loc_us-gaap_NoncashOrPartNoncashAcquisitionFixedAssetsAcquired1_2687BFFE962423791D5FFE4FD9588FD8" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_3641A85A88520F984A12FE4FD958423B" xlink:to="loc_us-gaap_NoncashOrPartNoncashAcquisitionFixedAssetsAcquired1_2687BFFE962423791D5FFE4FD9588FD8" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/CondensedConsolidatedStatementsOfComprehensiveIncome" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:label="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_F3AE5997265D93DC86A5C3030450B764" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ProfitLoss" xlink:label="loc_us-gaap_ProfitLoss_078CF5EB7A6CF1C2154EC30304508B0D" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_F3AE5997265D93DC86A5C3030450B764" xlink:to="loc_us-gaap_ProfitLoss_078CF5EB7A6CF1C2154EC30304508B0D" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract_FD73D9202AF9C86A3A2CC30304500044" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_F3AE5997265D93DC86A5C3030450B764" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract_FD73D9202AF9C86A3A2CC30304500044" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedGainLossOnDerivativesArisingDuringPeriodNetOfTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedGainLossOnDerivativesArisingDuringPeriodNetOfTax_FF6D775D6B2A8AA47853C303045036B4" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract_FD73D9202AF9C86A3A2CC30304500044" xlink:to="loc_us-gaap_OtherComprehensiveIncomeUnrealizedGainLossOnDerivativesArisingDuringPeriodNetOfTax_FF6D775D6B2A8AA47853C303045036B4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationGainLossArisingDuringPeriodNetOfTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationGainLossArisingDuringPeriodNetOfTax_F08FA4C2ABA3DCC0D335C3030450F815" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract_FD73D9202AF9C86A3A2CC30304500044" xlink:to="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationGainLossArisingDuringPeriodNetOfTax_F08FA4C2ABA3DCC0D335C3030450F815" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_28D19BE7187648F2E9F2C3030450E4AB" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterestAbstract_FD73D9202AF9C86A3A2CC30304500044" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_28D19BE7187648F2E9F2C3030450E4AB" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_1FDC764F377277BD06B1C3030450EEF9" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_F3AE5997265D93DC86A5C3030450B764" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_1FDC764F377277BD06B1C3030450EEF9" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterestAbstract" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterestAbstract_777E673E4E36F8737BC0C3030450622B" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_F3AE5997265D93DC86A5C3030450B764" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterestAbstract_777E673E4E36F8737BC0C3030450622B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest" xlink:label="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_8653C40218333435C30BC30304507224" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2009/role/negatedNetLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterestAbstract_777E673E4E36F8737BC0C3030450622B" xlink:to="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_8653C40218333435C30BC30304507224" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToNoncontrollingInterest" xlink:label="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToNoncontrollingInterest_8EDEA5F538CB0EEF7B13C30304505BB8" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterestAbstract_777E673E4E36F8737BC0C3030450622B" xlink:to="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToNoncontrollingInterest_8EDEA5F538CB0EEF7B13C30304505BB8" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest_6C41E903751DEFDFD482C3030450A69A" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterestAbstract_777E673E4E36F8737BC0C3030450622B" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest_6C41E903751DEFDFD482C3030450A69A" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_BC26E92E6A71883F1960C303045052D8" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_F3AE5997265D93DC86A5C3030450B764" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTax_BC26E92E6A71883F1960C303045052D8" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/CondensedConsolidatedStatementsOfFinancialCondition" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementOfFinancialPositionAbstract" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract_2C9486A0DDA4AC299774985213865BFA" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementTable" xlink:label="loc_us-gaap_StatementTable_09268337FA9E387E58B3985213869D02" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_2C9486A0DDA4AC299774985213865BFA" xlink:to="loc_us-gaap_StatementTable_09268337FA9E387E58B3985213869D02" xlink:type="arc" />
    <loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_LegalEntityAxis" xlink:label="loc_dei_LegalEntityAxis_E76236AA798894D930D79852138682ED" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_09268337FA9E387E58B3985213869D02" xlink:to="loc_dei_LegalEntityAxis_E76236AA798894D930D79852138682ED" xlink:type="arc" />
    <loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityDomain" xlink:label="loc_dei_EntityDomain_828EF7A42A82F50F7E88985213868161" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_E76236AA798894D930D79852138682ED" xlink:to="loc_dei_EntityDomain_828EF7A42A82F50F7E88985213868161" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryAggregatedDisclosureMember" xlink:label="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryAggregatedDisclosureMember_60A5247ADFBC93BEC71B985213869A56" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_828EF7A42A82F50F7E88985213868161" xlink:to="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryAggregatedDisclosureMember_60A5247ADFBC93BEC71B985213869A56" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementLineItems" xlink:label="loc_us-gaap_StatementLineItems_DBE9EAE94D7A20D68F429852138680D9" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_09268337FA9E387E58B3985213869D02" xlink:to="loc_us-gaap_StatementLineItems_DBE9EAE94D7A20D68F429852138680D9" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="loc_us-gaap_AssetsAbstract_24FD922FA6A7C87345179852138705B7" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_DBE9EAE94D7A20D68F429852138680D9" xlink:to="loc_us-gaap_AssetsAbstract_24FD922FA6A7C87345179852138705B7" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_EAE25C9C242E935A281F98521387BC6B" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_24FD922FA6A7C87345179852138705B7" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_EAE25C9C242E935A281F98521387BC6B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet" xlink:label="loc_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet_4C5835C5A59E6AC37DA198521387C8EB" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_24FD922FA6A7C87345179852138705B7" xlink:to="loc_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet_4C5835C5A59E6AC37DA198521387C8EB" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_PropertyTaxPaymentAgreementsReceivableNet" xlink:label="loc_ecpg_PropertyTaxPaymentAgreementsReceivableNet_B13FAFF3A7F8C6AC2BB9985213877B1A" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_24FD922FA6A7C87345179852138705B7" xlink:to="loc_ecpg_PropertyTaxPaymentAgreementsReceivableNet_B13FAFF3A7F8C6AC2BB9985213877B1A" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_06B4354FC6057A8046A69852138736FA" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_24FD922FA6A7C87345179852138705B7" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_06B4354FC6057A8046A69852138736FA" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherDeferredCostsNet" xlink:label="loc_us-gaap_OtherDeferredCostsNet_CE6D86477F2C5B98BC409852138790C2" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_24FD922FA6A7C87345179852138705B7" xlink:to="loc_us-gaap_OtherDeferredCostsNet_CE6D86477F2C5B98BC409852138790C2" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherAssets" xlink:label="loc_us-gaap_OtherAssets_989A32173EA8E88A9E9798521387FE8F" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_24FD922FA6A7C87345179852138705B7" xlink:to="loc_us-gaap_OtherAssets_989A32173EA8E88A9E9798521387FE8F" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_Goodwill" xlink:label="loc_us-gaap_Goodwill_D67A5F0088E22B31DD2C98521387C3FA" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_24FD922FA6A7C87345179852138705B7" xlink:to="loc_us-gaap_Goodwill_D67A5F0088E22B31DD2C98521387C3FA" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_Assets" xlink:label="loc_us-gaap_Assets_6A6721E5B0E1BB6F433E985213875807" xlink:type="locator" />
    <presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_24FD922FA6A7C87345179852138705B7" xlink:to="loc_us-gaap_Assets_6A6721E5B0E1BB6F433E985213875807" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="loc_us-gaap_LiabilitiesAbstract_1808797AB8EA312DA2F398521387E98D" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_DBE9EAE94D7A20D68F429852138680D9" xlink:to="loc_us-gaap_LiabilitiesAbstract_1808797AB8EA312DA2F398521387E98D" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" xlink:label="loc_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent_E2431CD86D3560AA826298521387B7BA" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_1808797AB8EA312DA2F398521387E98D" xlink:to="loc_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent_E2431CD86D3560AA826298521387B7BA" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtAndCapitalLeaseObligations" xlink:label="loc_us-gaap_DebtAndCapitalLeaseObligations_1A71F48C22DB71A93A2998521387F4EE" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_1808797AB8EA312DA2F398521387E98D" xlink:to="loc_us-gaap_DebtAndCapitalLeaseObligations_1A71F48C22DB71A93A2998521387F4EE" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherLiabilities" xlink:label="loc_us-gaap_OtherLiabilities_291B1AC1E36E70B368B798521388F4EA" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_1808797AB8EA312DA2F398521387E98D" xlink:to="loc_us-gaap_OtherLiabilities_291B1AC1E36E70B368B798521388F4EA" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_Liabilities" xlink:label="loc_us-gaap_Liabilities_7A1025906725AF298F5098521388871E" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_1808797AB8EA312DA2F398521387E98D" xlink:to="loc_us-gaap_Liabilities_7A1025906725AF298F5098521388871E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CommitmentsAndContingencies" xlink:label="loc_us-gaap_CommitmentsAndContingencies_092E391CE67F87D7224798521388BA3C" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_DBE9EAE94D7A20D68F429852138680D9" xlink:to="loc_us-gaap_CommitmentsAndContingencies_092E391CE67F87D7224798521388BA3C" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount" xlink:label="loc_us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount_2B5405C351D98C10F531985213884674" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_DBE9EAE94D7A20D68F429852138680D9" xlink:to="loc_us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount_2B5405C351D98C10F531985213884674" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_TemporaryEquityCarryingAmountAttributableToParent" xlink:label="loc_us-gaap_TemporaryEquityCarryingAmountAttributableToParent_15162E9A1E3CE87834D8985213883458" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_DBE9EAE94D7A20D68F429852138680D9" xlink:to="loc_us-gaap_TemporaryEquityCarryingAmountAttributableToParent_15162E9A1E3CE87834D8985213883458" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_AA3F6FE14043F1B634CB9852138842FC" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_DBE9EAE94D7A20D68F429852138680D9" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_AA3F6FE14043F1B634CB9852138842FC" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PreferredStockValue" xlink:label="loc_us-gaap_PreferredStockValue_74108A894826DF513EBA98521388F753" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_AA3F6FE14043F1B634CB9852138842FC" xlink:to="loc_us-gaap_PreferredStockValue_74108A894826DF513EBA98521388F753" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CommonStockValue" xlink:label="loc_us-gaap_CommonStockValue_4DF00D29A2B85D1BEB8598521388FFA5" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_AA3F6FE14043F1B634CB9852138842FC" xlink:to="loc_us-gaap_CommonStockValue_4DF00D29A2B85D1BEB8598521388FFA5" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AdditionalPaidInCapital" xlink:label="loc_us-gaap_AdditionalPaidInCapital_A8E64FF9B924EC7FEEC2985213883FB9" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_AA3F6FE14043F1B634CB9852138842FC" xlink:to="loc_us-gaap_AdditionalPaidInCapital_A8E64FF9B924EC7FEEC2985213883FB9" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_529371C861AA06F619779852138881D7" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_AA3F6FE14043F1B634CB9852138842FC" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_529371C861AA06F619779852138881D7" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_4D019C0C577D11166977985213881182" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_AA3F6FE14043F1B634CB9852138842FC" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_4D019C0C577D11166977985213881182" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="loc_us-gaap_StockholdersEquity_401279037B3DD6F8272998521388C177" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_AA3F6FE14043F1B634CB9852138842FC" xlink:to="loc_us-gaap_StockholdersEquity_401279037B3DD6F8272998521388C177" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_MinorityInterest" xlink:label="loc_us-gaap_MinorityInterest_CC84DE3A6130CD9EC359985213882B40" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_AA3F6FE14043F1B634CB9852138842FC" xlink:to="loc_us-gaap_MinorityInterest_CC84DE3A6130CD9EC359985213882B40" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_1FD53D2821861DA3A20698521388093E" xlink:type="locator" />
    <presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_AA3F6FE14043F1B634CB9852138842FC" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_1FD53D2821861DA3A20698521388093E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_24B671ED54903530293998521388F771" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_DBE9EAE94D7A20D68F429852138680D9" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquity_24B671ED54903530293998521388F771" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/CondensedConsolidatedStatementsOfFinancialConditionParenthetical" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementOfFinancialPositionAbstract" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract_62519806C2CECA4F2A9FE4AAF3B3CE55" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PreferredStockParOrStatedValuePerShare" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare_158398A93B844D32CEABE4AAF3B387CE" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_62519806C2CECA4F2A9FE4AAF3B3CE55" xlink:to="loc_us-gaap_PreferredStockParOrStatedValuePerShare_158398A93B844D32CEABE4AAF3B387CE" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PreferredStockSharesAuthorized" xlink:label="loc_us-gaap_PreferredStockSharesAuthorized_AABCACAC4D228D38981CE4AAF3B352B6" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_62519806C2CECA4F2A9FE4AAF3B3CE55" xlink:to="loc_us-gaap_PreferredStockSharesAuthorized_AABCACAC4D228D38981CE4AAF3B352B6" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PreferredStockSharesIssued" xlink:label="loc_us-gaap_PreferredStockSharesIssued_AB749DDAE455595B4C06E4AAF3B3E941" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_62519806C2CECA4F2A9FE4AAF3B3CE55" xlink:to="loc_us-gaap_PreferredStockSharesIssued_AB749DDAE455595B4C06E4AAF3B3E941" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PreferredStockSharesOutstanding" xlink:label="loc_us-gaap_PreferredStockSharesOutstanding_103AACA1D945B6AC3A33E4AAF3B34681" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_62519806C2CECA4F2A9FE4AAF3B3CE55" xlink:to="loc_us-gaap_PreferredStockSharesOutstanding_103AACA1D945B6AC3A33E4AAF3B34681" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_AF2F7CA44766BFB923D7E4AAF3B3F5B5" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_62519806C2CECA4F2A9FE4AAF3B3CE55" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_AF2F7CA44766BFB923D7E4AAF3B3F5B5" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CommonStockSharesAuthorized" xlink:label="loc_us-gaap_CommonStockSharesAuthorized_9F90DACB6EACEC7D469FE4AAF3B3CE5C" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_62519806C2CECA4F2A9FE4AAF3B3CE55" xlink:to="loc_us-gaap_CommonStockSharesAuthorized_9F90DACB6EACEC7D469FE4AAF3B3CE5C" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CommonStockSharesIssued" xlink:label="loc_us-gaap_CommonStockSharesIssued_D47F31E630CA33EAB99AE4AAF3B366EB" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_62519806C2CECA4F2A9FE4AAF3B3CE55" xlink:to="loc_us-gaap_CommonStockSharesIssued_D47F31E630CA33EAB99AE4AAF3B366EB" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CommonStockSharesOutstanding" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_6078F06FA7575E05CFFAE4AAF3B3A372" xlink:type="locator" />
    <presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_62519806C2CECA4F2A9FE4AAF3B3CE55" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_6078F06FA7575E05CFFAE4AAF3B3A372" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/CondensedConsolidatedStatementsOfIncome" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="loc_us-gaap_IncomeStatementAbstract_0D4968F330ECBEDC982AC3030460834C" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RevenuesAbstract" xlink:label="loc_us-gaap_RevenuesAbstract_3DE7AC3C6AB45C48EEB4C3030460377A" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_0D4968F330ECBEDC982AC3030460834C" xlink:to="loc_us-gaap_RevenuesAbstract_3DE7AC3C6AB45C48EEB4C3030460377A" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion" xlink:label="loc_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion_DC0989CF4D6F96DF15B9C30304609B91" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_3DE7AC3C6AB45C48EEB4C3030460377A" xlink:to="loc_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion_DC0989CF4D6F96DF15B9C30304609B91" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherSalesRevenueNet" xlink:label="loc_us-gaap_OtherSalesRevenueNet_C5FCF9BBA3AA1035DF9EC30304605606" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_3DE7AC3C6AB45C48EEB4C3030460377A" xlink:to="loc_us-gaap_OtherSalesRevenueNet_C5FCF9BBA3AA1035DF9EC30304605606" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_F9C1C1D003D21FD1010DC30304603CAC" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_3DE7AC3C6AB45C48EEB4C3030460377A" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_F9C1C1D003D21FD1010DC30304603CAC" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_Revenues" xlink:label="loc_us-gaap_Revenues_54374077C63A6175CC34C3030460DC6C" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_3DE7AC3C6AB45C48EEB4C3030460377A" xlink:to="loc_us-gaap_Revenues_54374077C63A6175CC34C3030460DC6C" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OperatingExpensesAbstract" xlink:label="loc_us-gaap_OperatingExpensesAbstract_FBF5A245A166B1A5B5EAC303046058C6" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_0D4968F330ECBEDC982AC3030460834C" xlink:to="loc_us-gaap_OperatingExpensesAbstract_FBF5A245A166B1A5B5EAC303046058C6" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LaborAndRelatedExpense" xlink:label="loc_us-gaap_LaborAndRelatedExpense_53B6914004A1900B70ADC303046000A4" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingExpensesAbstract_FBF5A245A166B1A5B5EAC303046058C6" xlink:to="loc_us-gaap_LaborAndRelatedExpense_53B6914004A1900B70ADC303046000A4" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CostOfLegalCollections" xlink:label="loc_ecpg_CostOfLegalCollections_A2CA8626D947B76A8D8DC30304603694" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingExpensesAbstract_FBF5A245A166B1A5B5EAC303046058C6" xlink:to="loc_ecpg_CostOfLegalCollections_A2CA8626D947B76A8D8DC30304603694" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherCostAndExpenseOperating" xlink:label="loc_us-gaap_OtherCostAndExpenseOperating_2C354377F857CC1CA357C3030460F2D9" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingExpensesAbstract_FBF5A245A166B1A5B5EAC303046058C6" xlink:to="loc_us-gaap_OtherCostAndExpenseOperating_2C354377F857CC1CA357C3030460F2D9" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CollectionAgencyCommissions" xlink:label="loc_ecpg_CollectionAgencyCommissions_79A445D2B2D28D532FD6C3030460590D" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingExpensesAbstract_FBF5A245A166B1A5B5EAC303046058C6" xlink:to="loc_ecpg_CollectionAgencyCommissions_79A445D2B2D28D532FD6C3030460590D" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_GeneralAndAdministrativeExpense" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpense_FCB90D8C637C9AB74F14C3030460C950" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingExpensesAbstract_FBF5A245A166B1A5B5EAC303046058C6" xlink:to="loc_us-gaap_GeneralAndAdministrativeExpense_FCB90D8C637C9AB74F14C3030460C950" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DepreciationAndAmortization" xlink:label="loc_us-gaap_DepreciationAndAmortization_8A0FDA0E518F8003BD5BC3030460D02D" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingExpensesAbstract_FBF5A245A166B1A5B5EAC303046058C6" xlink:to="loc_us-gaap_DepreciationAndAmortization_8A0FDA0E518F8003BD5BC3030460D02D" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OperatingExpenses" xlink:label="loc_us-gaap_OperatingExpenses_1244FFF6F7D8C178646FC30304601812" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingExpensesAbstract_FBF5A245A166B1A5B5EAC303046058C6" xlink:to="loc_us-gaap_OperatingExpenses_1244FFF6F7D8C178646FC30304601812" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OperatingIncomeLoss" xlink:label="loc_us-gaap_OperatingIncomeLoss_1CCCDB0DD8E6F09E9C39C30304606FC2" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_0D4968F330ECBEDC982AC3030460834C" xlink:to="loc_us-gaap_OperatingIncomeLoss_1CCCDB0DD8E6F09E9C39C30304606FC2" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherNonoperatingIncomeExpenseAbstract" xlink:label="loc_us-gaap_OtherNonoperatingIncomeExpenseAbstract_E542AE3AA41662F863F6C30304608D14" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_0D4968F330ECBEDC982AC3030460834C" xlink:to="loc_us-gaap_OtherNonoperatingIncomeExpenseAbstract_E542AE3AA41662F863F6C30304608D14" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_InterestExpense" xlink:label="loc_us-gaap_InterestExpense_A1DEC99FE2EDF14A7537C30304605FAB" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherNonoperatingIncomeExpenseAbstract_E542AE3AA41662F863F6C30304608D14" xlink:to="loc_us-gaap_InterestExpense_A1DEC99FE2EDF14A7537C30304605FAB" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherNonoperatingIncomeExpense" xlink:label="loc_us-gaap_OtherNonoperatingIncomeExpense_75F43FE9ED2D8558B5D3C30304607A90" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherNonoperatingIncomeExpenseAbstract_E542AE3AA41662F863F6C30304608D14" xlink:to="loc_us-gaap_OtherNonoperatingIncomeExpense_75F43FE9ED2D8558B5D3C30304607A90" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NonoperatingIncomeExpense" xlink:label="loc_us-gaap_NonoperatingIncomeExpense_7E32F2FEF39BB642F437C303046032BB" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_0D4968F330ECBEDC982AC3030460834C" xlink:to="loc_us-gaap_NonoperatingIncomeExpense_7E32F2FEF39BB642F437C303046032BB" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_1741BB8D505F84EB6629C303046048D2" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_0D4968F330ECBEDC982AC3030460834C" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_1741BB8D505F84EB6629C303046048D2" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_5418029365BB8628A1E3C3030460E146" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_0D4968F330ECBEDC982AC3030460834C" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_5418029365BB8628A1E3C3030460E146" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ProfitLoss" xlink:label="loc_us-gaap_ProfitLoss_F4F6D6D48CB3894711C9C3030460BD29" xlink:type="locator" />
    <presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_0D4968F330ECBEDC982AC3030460834C" xlink:to="loc_us-gaap_ProfitLoss_F4F6D6D48CB3894711C9C3030460BD29" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest" xlink:label="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_D785C444923D4C1237A9C3030460ECC6" xlink:type="locator" />
    <presentationArc order="9" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_0D4968F330ECBEDC982AC3030460834C" xlink:to="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_D785C444923D4C1237A9C3030460ECC6" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="loc_us-gaap_NetIncomeLoss_6AB079229851AB93781FC30304605075" xlink:type="locator" />
    <presentationArc order="10" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_0D4968F330ECBEDC982AC3030460834C" xlink:to="loc_us-gaap_NetIncomeLoss_6AB079229851AB93781FC30304605075" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="loc_us-gaap_EarningsPerShareAbstract_161AC3CEAA16F6DD6D91C30304600FE7" xlink:type="locator" />
    <presentationArc order="11" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_0D4968F330ECBEDC982AC3030460834C" xlink:to="loc_us-gaap_EarningsPerShareAbstract_161AC3CEAA16F6DD6D91C30304600FE7" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:label="loc_us-gaap_EarningsPerShareBasic_1B6CE810E827225373EDC30304604DC9" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_161AC3CEAA16F6DD6D91C30304600FE7" xlink:to="loc_us-gaap_EarningsPerShareBasic_1B6CE810E827225373EDC30304604DC9" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:label="loc_us-gaap_EarningsPerShareDiluted_A4F26D01711BCCB73C7CC3030460A7B7" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_161AC3CEAA16F6DD6D91C30304600FE7" xlink:to="loc_us-gaap_EarningsPerShareDiluted_A4F26D01711BCCB73C7CC3030460A7B7" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract_7525E40BD7B9BCB295E0C3030460BA27" xlink:type="locator" />
    <presentationArc order="12" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_0D4968F330ECBEDC982AC3030460834C" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract_7525E40BD7B9BCB295E0C3030460BA27" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_DE9532108EBCCE3F6E25C3030460701C" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract_7525E40BD7B9BCB295E0C3030460BA27" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_DE9532108EBCCE3F6E25C3030460701C" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_BB27E39063351A1D8D09C3030460EE1A" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract_7525E40BD7B9BCB295E0C3030460BA27" xlink:to="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_BB27E39063351A1D8D09C3030460EE1A" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/Debt" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtDisclosureAbstract" xlink:label="loc_us-gaap_DebtDisclosureAbstract_EB96AD4786FB1A655423F9EC7D165097" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtDisclosureTextBlock" xlink:label="loc_us-gaap_DebtDisclosureTextBlock_A40509D07EEB9B8DDF99F9EC7D1607E3" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_EB96AD4786FB1A655423F9EC7D165097" xlink:to="loc_us-gaap_DebtDisclosureTextBlock_A40509D07EEB9B8DDF99F9EC7D1607E3" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/DebtBalancesOfLiabilityAndEquityComponentsDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtDisclosureAbstract" xlink:label="loc_us-gaap_DebtDisclosureAbstract_97BEC3CA573B6241FD44E4AAF3EFB029" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ConvertibleNotesPayable" xlink:label="loc_us-gaap_ConvertibleNotesPayable_26B0CBB6A81F5C4B300DE4AAF3EF4E12" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/positiveVerboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_97BEC3CA573B6241FD44E4AAF3EFB029" xlink:to="loc_us-gaap_ConvertibleNotesPayable_26B0CBB6A81F5C4B300DE4AAF3EF4E12" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentUnamortizedDiscount" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscount_9B5EAD0B58777A624DDBE4AAF3EF5287" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_97BEC3CA573B6241FD44E4AAF3EFB029" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedDiscount_9B5EAD0B58777A624DDBE4AAF3EF5287" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_ConvertibleNotesPayableNet" xlink:label="loc_ecpg_ConvertibleNotesPayableNet_87360BDD6EA0C5059CCAE4AAF3EF20E1" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_97BEC3CA573B6241FD44E4AAF3EFB029" xlink:to="loc_ecpg_ConvertibleNotesPayableNet_87360BDD6EA0C5059CCAE4AAF3EF20E1" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentConvertibleCarryingAmountOfTheEquityComponent" xlink:label="loc_us-gaap_DebtInstrumentConvertibleCarryingAmountOfTheEquityComponent_C27E6A2974544E319FA5E4AAF3EF8167" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_97BEC3CA573B6241FD44E4AAF3EFB029" xlink:to="loc_us-gaap_DebtInstrumentConvertibleCarryingAmountOfTheEquityComponent_C27E6A2974544E319FA5E4AAF3EF8167" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/DebtCabotSeniorRevolvingCreditFacilityAndSeniorSecuredBridgeFacilityDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtDisclosureAbstract" xlink:label="loc_us-gaap_DebtDisclosureAbstract_B8764E5CAC16D33CF531FEB7A76CB83E" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="loc_us-gaap_DebtInstrumentTable_896D794CD358EA023449FEB7A76C3968" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_B8764E5CAC16D33CF531FEB7A76CB83E" xlink:to="loc_us-gaap_DebtInstrumentTable_896D794CD358EA023449FEB7A76C3968" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CreditFacilityAxis" xlink:label="loc_us-gaap_CreditFacilityAxis_8A679521D4645ABFEBD4FEB7A76D5D6D" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_896D794CD358EA023449FEB7A76C3968" xlink:to="loc_us-gaap_CreditFacilityAxis_8A679521D4645ABFEBD4FEB7A76D5D6D" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CreditFacilityDomain" xlink:label="loc_us-gaap_CreditFacilityDomain_8E13D7155CF18B8F5723FEB7A76D4E27" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityAxis_8A679521D4645ABFEBD4FEB7A76D5D6D" xlink:to="loc_us-gaap_CreditFacilityDomain_8E13D7155CF18B8F5723FEB7A76D4E27" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CabotCreditAgreementMember" xlink:label="loc_ecpg_CabotCreditAgreementMember_FF2854DE20828453793DFEB7A76DE871" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityDomain_8E13D7155CF18B8F5723FEB7A76D4E27" xlink:to="loc_ecpg_CabotCreditAgreementMember_FF2854DE20828453793DFEB7A76DE871" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CabotCreditFacilityMember" xlink:label="loc_ecpg_CabotCreditFacilityMember_8CBD5B5C5BD5D71B678AFEB7A76DABF5" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityDomain_8E13D7155CF18B8F5723FEB7A76D4E27" xlink:to="loc_ecpg_CabotCreditFacilityMember_8CBD5B5C5BD5D71B678AFEB7A76DABF5" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_BridgeFacilityMember" xlink:label="loc_ecpg_BridgeFacilityMember_AE5BE5EC9DDF70F2566DFEB7A76DAEC7" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityDomain_8E13D7155CF18B8F5723FEB7A76D4E27" xlink:to="loc_ecpg_BridgeFacilityMember_AE5BE5EC9DDF70F2566DFEB7A76DAEC7" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongtermDebtTypeAxis" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_CDC6D8A5CD2175E4237DFEB7A76D2338" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_896D794CD358EA023449FEB7A76C3968" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_CDC6D8A5CD2175E4237DFEB7A76D2338" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongtermDebtTypeDomain" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_A55098A207D03C59AC9FFEB7A76DBCF6" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_CDC6D8A5CD2175E4237DFEB7A76D2338" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_A55098A207D03C59AC9FFEB7A76DBCF6" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SeniorLoansMember" xlink:label="loc_us-gaap_SeniorLoansMember_2C0F41F53B35A9C3C410FEB7A76D51A1" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_A55098A207D03C59AC9FFEB7A76DBCF6" xlink:to="loc_us-gaap_SeniorLoansMember_2C0F41F53B35A9C3C410FEB7A76D51A1" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_VariableRateAxis" xlink:label="loc_us-gaap_VariableRateAxis_E848D1D5FDABCBE854C2FEB7A76D18E6" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_896D794CD358EA023449FEB7A76C3968" xlink:to="loc_us-gaap_VariableRateAxis_E848D1D5FDABCBE854C2FEB7A76D18E6" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_VariableRateDomain" xlink:label="loc_us-gaap_VariableRateDomain_60FAADD5AD0A595BC2F7FEB7A76DEB5E" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableRateAxis_E848D1D5FDABCBE854C2FEB7A76D18E6" xlink:to="loc_us-gaap_VariableRateDomain_60FAADD5AD0A595BC2F7FEB7A76DEB5E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LondonInterbankOfferedRateLIBORMember" xlink:label="loc_us-gaap_LondonInterbankOfferedRateLIBORMember_97F9676913FC630D5694FEB7A76DB1B3" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableRateDomain_60FAADD5AD0A595BC2F7FEB7A76DEB5E" xlink:to="loc_us-gaap_LondonInterbankOfferedRateLIBORMember_97F9676913FC630D5694FEB7A76DB1B3" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LineOfCreditFacilityAxis" xlink:label="loc_us-gaap_LineOfCreditFacilityAxis_31319D3DDD6D14A584E8FECE7708A879" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_896D794CD358EA023449FEB7A76C3968" xlink:to="loc_us-gaap_LineOfCreditFacilityAxis_31319D3DDD6D14A584E8FECE7708A879" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LineOfCreditFacilityLenderDomain" xlink:label="loc_us-gaap_LineOfCreditFacilityLenderDomain_276DAB6E519E6868C701FECE7710E350" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityAxis_31319D3DDD6D14A584E8FECE7708A879" xlink:to="loc_us-gaap_LineOfCreditFacilityLenderDomain_276DAB6E519E6868C701FECE7710E350" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CabotSeniorSecuredNotesMember" xlink:label="loc_ecpg_CabotSeniorSecuredNotesMember_54FAB3FDB6DE054ECF24FECE779D01C2" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityLenderDomain_276DAB6E519E6868C701FECE7710E350" xlink:to="loc_ecpg_CabotSeniorSecuredNotesMember_54FAB3FDB6DE054ECF24FECE779D01C2" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="loc_us-gaap_DebtInstrumentLineItems_23A4CFBD12FF93CD6D14FEB7A76DF7D5" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_896D794CD358EA023449FEB7A76C3968" xlink:to="loc_us-gaap_DebtInstrumentLineItems_23A4CFBD12FF93CD6D14FEB7A76DF7D5" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:label="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_1EB0AE0060851602EEDDFEB7A76D7F2A" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_23A4CFBD12FF93CD6D14FEB7A76DF7D5" xlink:to="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_1EB0AE0060851602EEDDFEB7A76D7F2A" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_LineofCreditFacilityIncreasetoMaximumBorrowingCapacityAccordionProvision" xlink:label="loc_ecpg_LineofCreditFacilityIncreasetoMaximumBorrowingCapacityAccordionProvision_27ABF594FC57F44D63E1FEB7A76D9A9A" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_23A4CFBD12FF93CD6D14FEB7A76DF7D5" xlink:to="loc_ecpg_LineofCreditFacilityIncreasetoMaximumBorrowingCapacityAccordionProvision_27ABF594FC57F44D63E1FEB7A76D9A9A" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtIssuanceCosts" xlink:label="loc_us-gaap_DebtIssuanceCosts_39B075D940734A15500FFEB7A76D7611" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_23A4CFBD12FF93CD6D14FEB7A76DF7D5" xlink:to="loc_us-gaap_DebtIssuanceCosts_39B075D940734A15500FFEB7A76D7611" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentTerm" xlink:label="loc_us-gaap_DebtInstrumentTerm_4A8BF9DEB5BAB7760727FEB7A76EB8AA" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_23A4CFBD12FF93CD6D14FEB7A76DF7D5" xlink:to="loc_us-gaap_DebtInstrumentTerm_4A8BF9DEB5BAB7760727FEB7A76EB8AA" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LineOfCreditFacilityExpirationDate1" xlink:label="loc_us-gaap_LineOfCreditFacilityExpirationDate1_D09479153AC44F06FFE6FEB7A76EFFFC" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_23A4CFBD12FF93CD6D14FEB7A76DF7D5" xlink:to="loc_us-gaap_LineOfCreditFacilityExpirationDate1_D09479153AC44F06FFE6FEB7A76EFFFC" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:label="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_59440F9C65076C948A48FEB7A76E2CF0" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_23A4CFBD12FF93CD6D14FEB7A76DF7D5" xlink:to="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_59440F9C65076C948A48FEB7A76E2CF0" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_MaximumLoanToValueRatio" xlink:label="loc_ecpg_MaximumLoanToValueRatio_D4BA491F5B45B57AC7ECFEB7A76EBEBD" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_23A4CFBD12FF93CD6D14FEB7A76DF7D5" xlink:to="loc_ecpg_MaximumLoanToValueRatio_D4BA491F5B45B57AC7ECFEB7A76EBEBD" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LineOfCredit" xlink:label="loc_us-gaap_LineOfCredit_6D53F2962D33459CB5F9FEB7A76E8633" xlink:type="locator" />
    <presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_23A4CFBD12FF93CD6D14FEB7A76DF7D5" xlink:to="loc_us-gaap_LineOfCredit_6D53F2962D33459CB5F9FEB7A76E8633" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentInterestRateDuringPeriod" xlink:label="loc_us-gaap_DebtInstrumentInterestRateDuringPeriod_E36CC201C07917AD505EFEB7A76EEB01" xlink:type="locator" />
    <presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_23A4CFBD12FF93CD6D14FEB7A76DF7D5" xlink:to="loc_us-gaap_DebtInstrumentInterestRateDuringPeriod_E36CC201C07917AD505EFEB7A76EEB01" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentageRateRangeMinimum" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentageRateRangeMinimum_9E7E27B1CDB22FA0FEBFFEB7A76E7925" xlink:type="locator" />
    <presentationArc order="10" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_23A4CFBD12FF93CD6D14FEB7A76DF7D5" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentageRateRangeMinimum_9E7E27B1CDB22FA0FEBFFEB7A76E7925" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_DebtInstrumentStepUpinBasisSpreadOnVariableRate" xlink:label="loc_ecpg_DebtInstrumentStepUpinBasisSpreadOnVariableRate_6A8B1351F8F860771AB5FEB7A76E362F" xlink:type="locator" />
    <presentationArc order="11" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_23A4CFBD12FF93CD6D14FEB7A76DF7D5" xlink:to="loc_ecpg_DebtInstrumentStepUpinBasisSpreadOnVariableRate_6A8B1351F8F860771AB5FEB7A76E362F" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_DebtInstrumentBasisSpreadOnVariableRateIncreaseIntervalPeriod" xlink:label="loc_ecpg_DebtInstrumentBasisSpreadOnVariableRateIncreaseIntervalPeriod_8B94E96E76B816023364FEB7A76E1B48" xlink:type="locator" />
    <presentationArc order="12" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_23A4CFBD12FF93CD6D14FEB7A76DF7D5" xlink:to="loc_ecpg_DebtInstrumentBasisSpreadOnVariableRateIncreaseIntervalPeriod_8B94E96E76B816023364FEB7A76E1B48" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SeniorNotes" xlink:label="loc_us-gaap_SeniorNotes_A4BC2EF3AF9BB071386AFEB7A76EB56E" xlink:type="locator" />
    <presentationArc order="13" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_23A4CFBD12FF93CD6D14FEB7A76DF7D5" xlink:to="loc_us-gaap_SeniorNotes_A4BC2EF3AF9BB071386AFEB7A76EB56E" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/DebtCabotSeniorSecuredNotesDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtDisclosureAbstract" xlink:label="loc_us-gaap_DebtDisclosureAbstract_3C293413B0BC08C9076FFEB7A77288E5" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="loc_us-gaap_DebtInstrumentTable_70DD1AA2B63E7E522340FEB7A7726073" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_3C293413B0BC08C9076FFEB7A77288E5" xlink:to="loc_us-gaap_DebtInstrumentTable_70DD1AA2B63E7E522340FEB7A7726073" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongtermDebtTypeAxis" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_70D08A8BB973B07BF731FEB7A772CA08" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_70DD1AA2B63E7E522340FEB7A7726073" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_70D08A8BB973B07BF731FEB7A772CA08" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongtermDebtTypeDomain" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_58EB89FECF66BBA09603FEB7A772761F" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_70D08A8BB973B07BF731FEB7A772CA08" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_58EB89FECF66BBA09603FEB7A772761F" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CabotTwoThousandNineteenSeniorSecuredNotesMember" xlink:label="loc_ecpg_CabotTwoThousandNineteenSeniorSecuredNotesMember_A10715FAF407783134B7FEB7A77293CB" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_58EB89FECF66BBA09603FEB7A772761F" xlink:to="loc_ecpg_CabotTwoThousandNineteenSeniorSecuredNotesMember_A10715FAF407783134B7FEB7A77293CB" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CabotTwoThousandTwentySeniorSecuredNotesMember" xlink:label="loc_ecpg_CabotTwoThousandTwentySeniorSecuredNotesMember_FD42CAB6F52A45B90E9EFEB7A7724608" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_58EB89FECF66BBA09603FEB7A772761F" xlink:to="loc_ecpg_CabotTwoThousandTwentySeniorSecuredNotesMember_FD42CAB6F52A45B90E9EFEB7A7724608" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_JBridgePreferredEquityCertificatesMember" xlink:label="loc_ecpg_JBridgePreferredEquityCertificatesMember_25580591B43978B9D62AFEB7A7728C74" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_58EB89FECF66BBA09603FEB7A772761F" xlink:to="loc_ecpg_JBridgePreferredEquityCertificatesMember_25580591B43978B9D62AFEB7A7728C74" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CabotTwoThousandTwentyOneNotesMember" xlink:label="loc_ecpg_CabotTwoThousandTwentyOneNotesMember_6EEDC2F49012D9C596C1FEB7A7728267" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_58EB89FECF66BBA09603FEB7A772761F" xlink:to="loc_ecpg_CabotTwoThousandTwentyOneNotesMember_6EEDC2F49012D9C596C1FEB7A7728267" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_TenPointFivePercentSeniorSecuredNotesDueTwoThousandTwentyMember" xlink:label="loc_ecpg_TenPointFivePercentSeniorSecuredNotesDueTwoThousandTwentyMember_99F965E3AFA717442411FEB7A772957F" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_58EB89FECF66BBA09603FEB7A772761F" xlink:to="loc_ecpg_TenPointFivePercentSeniorSecuredNotesDueTwoThousandTwentyMember_99F965E3AFA717442411FEB7A772957F" xlink:type="arc" />
    <loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_LegalEntityAxis" xlink:label="loc_dei_LegalEntityAxis_C2028B488B681FDA6A85FEB7A77236CD" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_70DD1AA2B63E7E522340FEB7A7726073" xlink:to="loc_dei_LegalEntityAxis_C2028B488B681FDA6A85FEB7A77236CD" xlink:type="arc" />
    <loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityDomain" xlink:label="loc_dei_EntityDomain_348234676C94620CD6A0FEB7A773F4B2" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_C2028B488B681FDA6A85FEB7A77236CD" xlink:to="loc_dei_EntityDomain_348234676C94620CD6A0FEB7A773F4B2" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CabotFinancialUkMember" xlink:label="loc_ecpg_CabotFinancialUkMember_F34D7F695E4ABFB4E099FEB7A7734316" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_348234676C94620CD6A0FEB7A773F4B2" xlink:to="loc_ecpg_CabotFinancialUkMember_F34D7F695E4ABFB4E099FEB7A7734316" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessAcquisitionAxis" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_9EE0C8633EF8047DF90BFEB7A77397FC" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_70DD1AA2B63E7E522340FEB7A7726073" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_9EE0C8633EF8047DF90BFEB7A77397FC" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessAcquisitionAcquireeDomain" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_920756B781BA759B68BCFEB7A773A90D" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_9EE0C8633EF8047DF90BFEB7A77397FC" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_920756B781BA759B68BCFEB7A773A90D" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_MarlinMember" xlink:label="loc_ecpg_MarlinMember_CDDC1AB35198E85998BEFEB7A773F51C" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_920756B781BA759B68BCFEB7A773A90D" xlink:to="loc_ecpg_MarlinMember_CDDC1AB35198E85998BEFEB7A773F51C" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LineOfCreditFacilityAxis" xlink:label="loc_us-gaap_LineOfCreditFacilityAxis_E0510B94F785ACD20C5CFECAFDA126E4" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_70DD1AA2B63E7E522340FEB7A7726073" xlink:to="loc_us-gaap_LineOfCreditFacilityAxis_E0510B94F785ACD20C5CFECAFDA126E4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LineOfCreditFacilityLenderDomain" xlink:label="loc_us-gaap_LineOfCreditFacilityLenderDomain_2C10DE42383A23C9A1B5FECAFDA41E9C" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityAxis_E0510B94F785ACD20C5CFECAFDA126E4" xlink:to="loc_us-gaap_LineOfCreditFacilityLenderDomain_2C10DE42383A23C9A1B5FECAFDA41E9C" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CabotSeniorSecuredNotesMember" xlink:label="loc_ecpg_CabotSeniorSecuredNotesMember_BD6B10E9E55EC0061C7DFECAFDFE36C2" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityLenderDomain_2C10DE42383A23C9A1B5FECAFDA41E9C" xlink:to="loc_ecpg_CabotSeniorSecuredNotesMember_BD6B10E9E55EC0061C7DFECAFDFE36C2" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="loc_us-gaap_DebtInstrumentLineItems_B7018C1BB94C7F9E18CCFEB7A773B511" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_70DD1AA2B63E7E522340FEB7A7726073" xlink:to="loc_us-gaap_DebtInstrumentLineItems_B7018C1BB94C7F9E18CCFEB7A773B511" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SeniorNotes" xlink:label="loc_us-gaap_SeniorNotes_792850A7F36670653A67FEB7A773A2F5" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_B7018C1BB94C7F9E18CCFEB7A773B511" xlink:to="loc_us-gaap_SeniorNotes_792850A7F36670653A67FEB7A773A2F5" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_4CC90A27F56FC7CEC4E5FEB7A7732675" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_B7018C1BB94C7F9E18CCFEB7A773B511" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_4CC90A27F56FC7CEC4E5FEB7A7732675" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RepaymentsOfLongTermLinesOfCredit" xlink:label="loc_us-gaap_RepaymentsOfLongTermLinesOfCredit_8FE4F06E925DB68A8FC4FEB7A77373D7" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_B7018C1BB94C7F9E18CCFEB7A773B511" xlink:to="loc_us-gaap_RepaymentsOfLongTermLinesOfCredit_8FE4F06E925DB68A8FC4FEB7A77373D7" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RepaymentsOfOtherDebt" xlink:label="loc_us-gaap_RepaymentsOfOtherDebt_C949333C3F995AE1AE98FEB7A773CB32" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_B7018C1BB94C7F9E18CCFEB7A773B511" xlink:to="loc_us-gaap_RepaymentsOfOtherDebt_C949333C3F995AE1AE98FEB7A773CB32" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtIssuanceCosts" xlink:label="loc_us-gaap_DebtIssuanceCosts_DB9AB69A87A5A2DFC8CEFEB7A7738907" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_B7018C1BB94C7F9E18CCFEB7A773B511" xlink:to="loc_us-gaap_DebtIssuanceCosts_DB9AB69A87A5A2DFC8CEFEB7A7738907" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongTermDebtFairValue" xlink:label="loc_us-gaap_LongTermDebtFairValue_3718FF11B14DC6253104FEB7A773094B" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_B7018C1BB94C7F9E18CCFEB7A773B511" xlink:to="loc_us-gaap_LongTermDebtFairValue_3718FF11B14DC6253104FEB7A773094B" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/DebtComponentsOfDebtDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtDisclosureAbstract" xlink:label="loc_us-gaap_DebtDisclosureAbstract_B1A70EBED3859E9E450AF9EC7D0F18A2" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="loc_us-gaap_DebtInstrumentTable_9BD4AB14682FF79169BDF9EC7D0FEB00" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_B1A70EBED3859E9E450AF9EC7D0F18A2" xlink:to="loc_us-gaap_DebtInstrumentTable_9BD4AB14682FF79169BDF9EC7D0FEB00" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LineOfCreditFacilityAxis" xlink:label="loc_us-gaap_LineOfCreditFacilityAxis_B539833992D045635F44F9EC7D0F7331" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_9BD4AB14682FF79169BDF9EC7D0FEB00" xlink:to="loc_us-gaap_LineOfCreditFacilityAxis_B539833992D045635F44F9EC7D0F7331" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LineOfCreditFacilityLenderDomain" xlink:label="loc_us-gaap_LineOfCreditFacilityLenderDomain_940CCE662B8F394CD749F9EC7D0F5EE5" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityAxis_B539833992D045635F44F9EC7D0F7331" xlink:to="loc_us-gaap_LineOfCreditFacilityLenderDomain_940CCE662B8F394CD749F9EC7D0F5EE5" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_PropelfacilitiesMember" xlink:label="loc_ecpg_PropelfacilitiesMember_5DAF36C2C6DB23D3C840F9EC7D0F4500" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityLenderDomain_940CCE662B8F394CD749F9EC7D0F5EE5" xlink:to="loc_ecpg_PropelfacilitiesMember_5DAF36C2C6DB23D3C840F9EC7D0F4500" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_PropelSecuritizedFinancingFacilityMember" xlink:label="loc_ecpg_PropelSecuritizedFinancingFacilityMember_545B8311200C934ABC78F9EC7D0F2BEC" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityLenderDomain_940CCE662B8F394CD749F9EC7D0F5EE5" xlink:to="loc_ecpg_PropelSecuritizedFinancingFacilityMember_545B8311200C934ABC78F9EC7D0F2BEC" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CabotSeniorSecuredNotesMember" xlink:label="loc_ecpg_CabotSeniorSecuredNotesMember_2538AACE0DAB9C8149D6F9EC7D0FF28B" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityLenderDomain_940CCE662B8F394CD749F9EC7D0F5EE5" xlink:to="loc_ecpg_CabotSeniorSecuredNotesMember_2538AACE0DAB9C8149D6F9EC7D0FF28B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CreditFacilityAxis" xlink:label="loc_us-gaap_CreditFacilityAxis_2E35144FA8671054F5EBF9EC7D0FEB97" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_9BD4AB14682FF79169BDF9EC7D0FEB00" xlink:to="loc_us-gaap_CreditFacilityAxis_2E35144FA8671054F5EBF9EC7D0FEB97" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CreditFacilityDomain" xlink:label="loc_us-gaap_CreditFacilityDomain_FD4CA522049667ED8120F9EC7D100787" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityAxis_2E35144FA8671054F5EBF9EC7D0FEB97" xlink:to="loc_us-gaap_CreditFacilityDomain_FD4CA522049667ED8120F9EC7D100787" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CabotCreditFacilityMember" xlink:label="loc_ecpg_CabotCreditFacilityMember_5D6C87873EB89D2985DCF9EC7D10CB93" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityDomain_FD4CA522049667ED8120F9EC7D100787" xlink:to="loc_ecpg_CabotCreditFacilityMember_5D6C87873EB89D2985DCF9EC7D10CB93" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_BridgeFacilityMember" xlink:label="loc_ecpg_BridgeFacilityMember_8D260FFFC0E662968EDCF9EC7D100887" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityDomain_FD4CA522049667ED8120F9EC7D100787" xlink:to="loc_ecpg_BridgeFacilityMember_8D260FFFC0E662968EDCF9EC7D100887" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis" xlink:label="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_0F642B2A69CC5BCAA030F9EC7D1004E1" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_9BD4AB14682FF79169BDF9EC7D0FEB00" xlink:to="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_0F642B2A69CC5BCAA030F9EC7D1004E1" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2B4B0C9385EE7AC6A1CAF9EC7D103D3F" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_0F642B2A69CC5BCAA030F9EC7D1004E1" xlink:to="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2B4B0C9385EE7AC6A1CAF9EC7D103D3F" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherDebtSecuritiesMember" xlink:label="loc_us-gaap_OtherDebtSecuritiesMember_61B0AAA3A1463D97E564F9EC7D1021F6" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_2B4B0C9385EE7AC6A1CAF9EC7D103D3F" xlink:to="loc_us-gaap_OtherDebtSecuritiesMember_61B0AAA3A1463D97E564F9EC7D1021F6" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="loc_us-gaap_DebtInstrumentLineItems_FD59076DEA4DFD2AB574F9EC7D10BFBC" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_9BD4AB14682FF79169BDF9EC7D0FEB00" xlink:to="loc_us-gaap_DebtInstrumentLineItems_FD59076DEA4DFD2AB574F9EC7D10BFBC" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LineOfCredit" xlink:label="loc_us-gaap_LineOfCredit_2B79BC7E433D82F19870F9EC7D103700" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_FD59076DEA4DFD2AB574F9EC7D10BFBC" xlink:to="loc_us-gaap_LineOfCredit_2B79BC7E433D82F19870F9EC7D103700" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherLongTermDebt" xlink:label="loc_us-gaap_OtherLongTermDebt_A05F69955746105B37FDF9EC7D103588" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_FD59076DEA4DFD2AB574F9EC7D10BFBC" xlink:to="loc_us-gaap_OtherLongTermDebt_A05F69955746105B37FDF9EC7D103588" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SeniorNotes" xlink:label="loc_us-gaap_SeniorNotes_723086F2BC4C5D4701D4F9EC7D104E84" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_FD59076DEA4DFD2AB574F9EC7D10BFBC" xlink:to="loc_us-gaap_SeniorNotes_723086F2BC4C5D4701D4F9EC7D104E84" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ConvertibleNotesPayable" xlink:label="loc_us-gaap_ConvertibleNotesPayable_E67455CE2720F4221C66F9EC7D100E99" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/positiveTerseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_FD59076DEA4DFD2AB574F9EC7D10BFBC" xlink:to="loc_us-gaap_ConvertibleNotesPayable_E67455CE2720F4221C66F9EC7D100E99" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentUnamortizedDiscount" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscount_67F34747A3700418419FF9EC7D10E0E1" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_FD59076DEA4DFD2AB574F9EC7D10BFBC" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedDiscount_67F34747A3700418419FF9EC7D10E0E1" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentUnamortizedPremium" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedPremium_258514E694EE494B0203F9EC7D107098" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_FD59076DEA4DFD2AB574F9EC7D10BFBC" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedPremium_258514E694EE494B0203F9EC7D107098" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_PreferredEquityCertificates" xlink:label="loc_ecpg_PreferredEquityCertificates_56AD286824C86A0B8780F9EC7D10FB98" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_FD59076DEA4DFD2AB574F9EC7D10BFBC" xlink:to="loc_ecpg_PreferredEquityCertificates_56AD286824C86A0B8780F9EC7D10FB98" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CapitalLeaseObligations" xlink:label="loc_us-gaap_CapitalLeaseObligations_E81CDF5398C8B29F25FFF9EC7D105C40" xlink:type="locator" />
    <presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_FD59076DEA4DFD2AB574F9EC7D10BFBC" xlink:to="loc_us-gaap_CapitalLeaseObligations_E81CDF5398C8B29F25FFF9EC7D105C40" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongTermDebt" xlink:label="loc_us-gaap_LongTermDebt_C88AA8F7DEC28A6468F7F9EC7D109C1A" xlink:type="locator" />
    <presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_FD59076DEA4DFD2AB574F9EC7D10BFBC" xlink:to="loc_us-gaap_LongTermDebt_C88AA8F7DEC28A6468F7F9EC7D109C1A" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtAndCapitalLeaseObligations" xlink:label="loc_us-gaap_DebtAndCapitalLeaseObligations_9B2393CFFE34578A0173F9EC7D118201" xlink:type="locator" />
    <presentationArc order="10" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_FD59076DEA4DFD2AB574F9EC7D10BFBC" xlink:to="loc_us-gaap_DebtAndCapitalLeaseObligations_9B2393CFFE34578A0173F9EC7D118201" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/DebtConvertibleNotesHedgeTransactionsConversionAndEpsImpactDetails" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtDisclosureAbstract" xlink:label="loc_us-gaap_DebtDisclosureAbstract_6582C3D8F9EEE617D993F9EC7CE980FA" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="loc_us-gaap_DebtInstrumentTable_8D1E4166BF2634AEF945F9EC7CE9CEAC" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_6582C3D8F9EEE617D993F9EC7CE980FA" xlink:to="loc_us-gaap_DebtInstrumentTable_8D1E4166BF2634AEF945F9EC7CE9CEAC" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_A556C87A50AAC339DAD9F9EC7CE9EB20" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_8D1E4166BF2634AEF945F9EC7CE9CEAC" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_A556C87A50AAC339DAD9F9EC7CE9EB20" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_HedgingRelationshipDomain" xlink:label="loc_us-gaap_HedgingRelationshipDomain_410D36B2D6FC61BD8A61F9EC7CE9DA72" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_A556C87A50AAC339DAD9F9EC7CE9EB20" xlink:to="loc_us-gaap_HedgingRelationshipDomain_410D36B2D6FC61BD8A61F9EC7CE9DA72" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_HedgingofConvertibleDebtInstrumentMember" xlink:label="loc_ecpg_HedgingofConvertibleDebtInstrumentMember_CB1BE91FC734A02B13BEF9EC7CE9F88B" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingRelationshipDomain_410D36B2D6FC61BD8A61F9EC7CE9DA72" xlink:to="loc_ecpg_HedgingofConvertibleDebtInstrumentMember_CB1BE91FC734A02B13BEF9EC7CE9F88B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongtermDebtTypeAxis" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_D870D9AA8803EA1E42ABF9EC7CE95BA6" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_8D1E4166BF2634AEF945F9EC7CE9CEAC" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_D870D9AA8803EA1E42ABF9EC7CE95BA6" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongtermDebtTypeDomain" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_AB867F8F18BAC42339DAF9EC7CE9F941" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_D870D9AA8803EA1E42ABF9EC7CE95BA6" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_AB867F8F18BAC42339DAF9EC7CE9F941" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_TwoThousandSeventeenConvertibleSeniorNotesMember" xlink:label="loc_ecpg_TwoThousandSeventeenConvertibleSeniorNotesMember_41BFC9EE9E5AE60A1DD6F9EC7CE978DE" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_AB867F8F18BAC42339DAF9EC7CE9F941" xlink:to="loc_ecpg_TwoThousandSeventeenConvertibleSeniorNotesMember_41BFC9EE9E5AE60A1DD6F9EC7CE978DE" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_TwoThousandTwentyConvertibleSeniorNotesMember" xlink:label="loc_ecpg_TwoThousandTwentyConvertibleSeniorNotesMember_07F0332A2B706C76D437F9EC7CE9AA74" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_AB867F8F18BAC42339DAF9EC7CE9F941" xlink:to="loc_ecpg_TwoThousandTwentyConvertibleSeniorNotesMember_07F0332A2B706C76D437F9EC7CE9AA74" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_TwoThousandTwentyOneConvertibleSeniorNotesMember" xlink:label="loc_ecpg_TwoThousandTwentyOneConvertibleSeniorNotesMember_7757A6839C9AC331650AF9EC7CEA4AA3" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_AB867F8F18BAC42339DAF9EC7CE9F941" xlink:to="loc_ecpg_TwoThousandTwentyOneConvertibleSeniorNotesMember_7757A6839C9AC331650AF9EC7CEA4AA3" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="loc_us-gaap_DebtInstrumentLineItems_D84FD10926CCFD8AE80AF9EC7CEAF46B" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_8D1E4166BF2634AEF945F9EC7CE9CEAC" xlink:to="loc_us-gaap_DebtInstrumentLineItems_D84FD10926CCFD8AE80AF9EC7CEAF46B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeCostOfHedge" xlink:label="loc_us-gaap_DerivativeCostOfHedge_0A8F42537E391C4429C4F9EC7CEA3FF3" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_D84FD10926CCFD8AE80AF9EC7CEAF46B" xlink:to="loc_us-gaap_DerivativeCostOfHedge_0A8F42537E391C4429C4F9EC7CEA3FF3" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentConvertibleConversionPrice1" xlink:label="loc_us-gaap_DebtInstrumentConvertibleConversionPrice1_554F1374CD1101264483F9EC7CEA1DD6" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_D84FD10926CCFD8AE80AF9EC7CEAF46B" xlink:to="loc_us-gaap_DebtInstrumentConvertibleConversionPrice1_554F1374CD1101264483F9EC7CEA1DD6" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentConvertibleThresholdPercentageOfStockPriceTrigger" xlink:label="loc_us-gaap_DebtInstrumentConvertibleThresholdPercentageOfStockPriceTrigger_955F535027BCD07495FBF9EC7CEAC0AF" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_D84FD10926CCFD8AE80AF9EC7CEAF46B" xlink:to="loc_us-gaap_DebtInstrumentConvertibleThresholdPercentageOfStockPriceTrigger_955F535027BCD07495FBF9EC7CEAC0AF" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentConvertibleThresholdTradingDays" xlink:label="loc_us-gaap_DebtInstrumentConvertibleThresholdTradingDays_7008DAE5A147A80E8C77F9EC7CEA8497" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_D84FD10926CCFD8AE80AF9EC7CEAF46B" xlink:to="loc_us-gaap_DebtInstrumentConvertibleThresholdTradingDays_7008DAE5A147A80E8C77F9EC7CEA8497" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentConvertibleThresholdConsecutiveTradingDays" xlink:label="loc_us-gaap_DebtInstrumentConvertibleThresholdConsecutiveTradingDays_2DE8BE4746B7F840009EF9EC7CEADC63" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_D84FD10926CCFD8AE80AF9EC7CEAF46B" xlink:to="loc_us-gaap_DebtInstrumentConvertibleThresholdConsecutiveTradingDays_2DE8BE4746B7F840009EF9EC7CEADC63" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NotesPayableFairValueDisclosure" xlink:label="loc_us-gaap_NotesPayableFairValueDisclosure_C9555CDF480AEB0EC3EAF9EC7CEA56CA" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_D84FD10926CCFD8AE80AF9EC7CEAF46B" xlink:to="loc_us-gaap_NotesPayableFairValueDisclosure_C9555CDF480AEB0EC3EAF9EC7CEA56CA" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_ReclassificationsofPermanenttoTemporaryEquityDebtConversion" xlink:label="loc_ecpg_ReclassificationsofPermanenttoTemporaryEquityDebtConversion_12A757D2A095715095E7F9EC7CEA98A8" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_D84FD10926CCFD8AE80AF9EC7CEAF46B" xlink:to="loc_ecpg_ReclassificationsofPermanenttoTemporaryEquityDebtConversion_12A757D2A095715095E7F9EC7CEA98A8" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncrementalCommonSharesAttributableToConversionOfDebtSecurities" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToConversionOfDebtSecurities_D2BF743B60B10F0F641DF9EC7CEA01CC" xlink:type="locator" />
    <presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_D84FD10926CCFD8AE80AF9EC7CEAF46B" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToConversionOfDebtSecurities_D2BF743B60B10F0F641DF9EC7CEA01CC" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/DebtDebtAndEquityComponentsAndIssuanceCostsOfConvertibleNotesDetails" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtDisclosureAbstract" xlink:label="loc_us-gaap_DebtDisclosureAbstract_99F28096FAE521CBC423E4AAF3DBDCA8" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="loc_us-gaap_DebtInstrumentTable_43047947F598181A1366E4AAF3DB9E5B" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_99F28096FAE521CBC423E4AAF3DBDCA8" xlink:to="loc_us-gaap_DebtInstrumentTable_43047947F598181A1366E4AAF3DB9E5B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongtermDebtTypeAxis" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_63DE6E7FFA623DF52827E4AAF3DB20F3" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_43047947F598181A1366E4AAF3DB9E5B" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_63DE6E7FFA623DF52827E4AAF3DB20F3" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongtermDebtTypeDomain" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_52D423FBB18BDEC26567E4AAF3DBFF22" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_63DE6E7FFA623DF52827E4AAF3DB20F3" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_52D423FBB18BDEC26567E4AAF3DBFF22" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_TwoThousandSeventeenConvertibleSeniorNotesMember" xlink:label="loc_ecpg_TwoThousandSeventeenConvertibleSeniorNotesMember_A5380FA69FF34F7BAC9CE4AAF3DB198F" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_52D423FBB18BDEC26567E4AAF3DBFF22" xlink:to="loc_ecpg_TwoThousandSeventeenConvertibleSeniorNotesMember_A5380FA69FF34F7BAC9CE4AAF3DB198F" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_TwoThousandTwentyConvertibleSeniorNotesMember" xlink:label="loc_ecpg_TwoThousandTwentyConvertibleSeniorNotesMember_D1080A00B491AFD6D1C7E4AAF3DB6598" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_52D423FBB18BDEC26567E4AAF3DBFF22" xlink:to="loc_ecpg_TwoThousandTwentyConvertibleSeniorNotesMember_D1080A00B491AFD6D1C7E4AAF3DB6598" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_TwoThousandTwentyOneConvertibleSeniorNotesMember" xlink:label="loc_ecpg_TwoThousandTwentyOneConvertibleSeniorNotesMember_9508F4749B6BEA44BF66E4AAF3DB8F8F" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_52D423FBB18BDEC26567E4AAF3DBFF22" xlink:to="loc_ecpg_TwoThousandTwentyOneConvertibleSeniorNotesMember_9508F4749B6BEA44BF66E4AAF3DB8F8F" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="loc_us-gaap_DebtInstrumentLineItems_CEAADB8B83D2696B38EAE4AAF3DB3FB2" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_43047947F598181A1366E4AAF3DB9E5B" xlink:to="loc_us-gaap_DebtInstrumentLineItems_CEAADB8B83D2696B38EAE4AAF3DB3FB2" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_DebtInstrumentConvertibleCarryingAmountofDebtComponent" xlink:label="loc_ecpg_DebtInstrumentConvertibleCarryingAmountofDebtComponent_D8F70B52F89792E9000BE4AAF3DBA118" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_CEAADB8B83D2696B38EAE4AAF3DB3FB2" xlink:to="loc_ecpg_DebtInstrumentConvertibleCarryingAmountofDebtComponent_D8F70B52F89792E9000BE4AAF3DBA118" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentConvertibleCarryingAmountOfTheEquityComponent" xlink:label="loc_us-gaap_DebtInstrumentConvertibleCarryingAmountOfTheEquityComponent_268C0299B18A39C6F574E4AAF3DB7500" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_CEAADB8B83D2696B38EAE4AAF3DB3FB2" xlink:to="loc_us-gaap_DebtInstrumentConvertibleCarryingAmountOfTheEquityComponent_268C0299B18A39C6F574E4AAF3DB7500" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts_21413BC2C627C0EAF725E4AAF3DBE116" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_CEAADB8B83D2696B38EAE4AAF3DB3FB2" xlink:to="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts_21413BC2C627C0EAF725E4AAF3DBE116" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_8DFBB10DC386F09BA2A8E4AAF3DBEDC6" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_CEAADB8B83D2696B38EAE4AAF3DB3FB2" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_8DFBB10DC386F09BA2A8E4AAF3DBEDC6" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentInterestRateEffectivePercentage" xlink:label="loc_us-gaap_DebtInstrumentInterestRateEffectivePercentage_D3A52C56B0725C4DB531E4AAF3DBB66D" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_CEAADB8B83D2696B38EAE4AAF3DB3FB2" xlink:to="loc_us-gaap_DebtInstrumentInterestRateEffectivePercentage_D3A52C56B0725C4DB531E4AAF3DBB66D" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/DebtEncoreConvertibleNotesDetails" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtDisclosureAbstract" xlink:label="loc_us-gaap_DebtDisclosureAbstract_5BD31E5DB7D3EFD2323EF9EC7CF77EF6" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="loc_us-gaap_DebtInstrumentTable_8ECD8B9AFD4BA72776E7F9EC7CF7D0E7" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_5BD31E5DB7D3EFD2323EF9EC7CF77EF6" xlink:to="loc_us-gaap_DebtInstrumentTable_8ECD8B9AFD4BA72776E7F9EC7CF7D0E7" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:label="loc_us-gaap_DebtInstrumentAxis_532262E84FA746D05DE5F9EC7CF798EC" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_8ECD8B9AFD4BA72776E7F9EC7CF7D0E7" xlink:to="loc_us-gaap_DebtInstrumentAxis_532262E84FA746D05DE5F9EC7CF798EC" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_CEBDE1B3A5CFD17DD4FBF9EC7CF8591E" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_532262E84FA746D05DE5F9EC7CF798EC" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_CEBDE1B3A5CFD17DD4FBF9EC7CF8591E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ConvertibleNotesPayableMember" xlink:label="loc_us-gaap_ConvertibleNotesPayableMember_87BCE69BA08FEF883FA5F9EC7CF80B4E" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_CEBDE1B3A5CFD17DD4FBF9EC7CF8591E" xlink:to="loc_us-gaap_ConvertibleNotesPayableMember_87BCE69BA08FEF883FA5F9EC7CF80B4E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongtermDebtTypeAxis" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_05D4084AB26E4E9EA2EBF9EC7CF85DD8" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_8ECD8B9AFD4BA72776E7F9EC7CF7D0E7" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_05D4084AB26E4E9EA2EBF9EC7CF85DD8" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongtermDebtTypeDomain" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_A701F0514FC3648FF0ABF9EC7CF8FFA4" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_05D4084AB26E4E9EA2EBF9EC7CF85DD8" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_A701F0514FC3648FF0ABF9EC7CF8FFA4" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_TwoThousandSeventeenConvertibleSeniorNotesMember" xlink:label="loc_ecpg_TwoThousandSeventeenConvertibleSeniorNotesMember_0CD3D1E5CDB48C6874DAF9EC7CF8CEA9" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_A701F0514FC3648FF0ABF9EC7CF8FFA4" xlink:to="loc_ecpg_TwoThousandSeventeenConvertibleSeniorNotesMember_0CD3D1E5CDB48C6874DAF9EC7CF8CEA9" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_TwoThousandTwentyConvertibleSeniorNotesMember" xlink:label="loc_ecpg_TwoThousandTwentyConvertibleSeniorNotesMember_71BA6A4095643664641CF9EC7CF88379" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_A701F0514FC3648FF0ABF9EC7CF8FFA4" xlink:to="loc_ecpg_TwoThousandTwentyConvertibleSeniorNotesMember_71BA6A4095643664641CF9EC7CF88379" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_TwoThousandTwentyOneConvertibleSeniorNotesMember" xlink:label="loc_ecpg_TwoThousandTwentyOneConvertibleSeniorNotesMember_AB85F4242969B2CFFB19F9EC7CF80DC1" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_A701F0514FC3648FF0ABF9EC7CF8FFA4" xlink:to="loc_ecpg_TwoThousandTwentyOneConvertibleSeniorNotesMember_AB85F4242969B2CFFB19F9EC7CF80DC1" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="loc_us-gaap_DebtInstrumentLineItems_D41B0E5D4E887A311203F9EC7CF86138" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_8ECD8B9AFD4BA72776E7F9EC7CF7D0E7" xlink:to="loc_us-gaap_DebtInstrumentLineItems_D41B0E5D4E887A311203F9EC7CF86138" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentFaceAmount" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_A3AFBA5F6DC4AF273E44F9EC7CF89BE1" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_D41B0E5D4E887A311203F9EC7CF86138" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_A3AFBA5F6DC4AF273E44F9EC7CF89BE1" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_D03EE3EF1224E8111873F9EC7CF8D133" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_D41B0E5D4E887A311203F9EC7CF86138" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_D03EE3EF1224E8111873F9EC7CF8D133" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentConvertibleConversionPrice1" xlink:label="loc_us-gaap_DebtInstrumentConvertibleConversionPrice1_B56B9DF6D85CC4D58643F9EC7CF86533" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_D41B0E5D4E887A311203F9EC7CF86138" xlink:to="loc_us-gaap_DebtInstrumentConvertibleConversionPrice1_B56B9DF6D85CC4D58643F9EC7CF86533" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SharePrice" xlink:label="loc_us-gaap_SharePrice_F9B84B0184FE129DCAC1F9EC7CF8911C" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_D41B0E5D4E887A311203F9EC7CF86138" xlink:to="loc_us-gaap_SharePrice_F9B84B0184FE129DCAC1F9EC7CF8911C" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentConvertibleConversionRatio1" xlink:label="loc_us-gaap_DebtInstrumentConvertibleConversionRatio1_417233E1EC88ED76E4A7F9EC7CF87A2E" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_D41B0E5D4E887A311203F9EC7CF86138" xlink:to="loc_us-gaap_DebtInstrumentConvertibleConversionRatio1_417233E1EC88ED76E4A7F9EC7CF87A2E" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/DebtEncoreRevolvingCreditFacilityAndTermLoanFacilityDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtDisclosureAbstract" xlink:label="loc_us-gaap_DebtDisclosureAbstract_CF4495304ACE212CAF030119D22DB69C" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="loc_us-gaap_DebtInstrumentTable_1A96417D3AF4CF6FE9F40119D22DC37C" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_CF4495304ACE212CAF030119D22DB69C" xlink:to="loc_us-gaap_DebtInstrumentTable_1A96417D3AF4CF6FE9F40119D22DC37C" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SubsequentEventTypeAxis" xlink:label="loc_us-gaap_SubsequentEventTypeAxis_CA1845BB442EAEBE750D0119D22D0328" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_1A96417D3AF4CF6FE9F40119D22DC37C" xlink:to="loc_us-gaap_SubsequentEventTypeAxis_CA1845BB442EAEBE750D0119D22D0328" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SubsequentEventTypeDomain" xlink:label="loc_us-gaap_SubsequentEventTypeDomain_FFBC7CCBD99380E243AD0119D22D0CA8" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTypeAxis_CA1845BB442EAEBE750D0119D22D0328" xlink:to="loc_us-gaap_SubsequentEventTypeDomain_FFBC7CCBD99380E243AD0119D22D0CA8" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SubsequentEventMember" xlink:label="loc_us-gaap_SubsequentEventMember_257C2F177B0286B798A20119D22D7735" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTypeDomain_FFBC7CCBD99380E243AD0119D22D0CA8" xlink:to="loc_us-gaap_SubsequentEventMember_257C2F177B0286B798A20119D22D7735" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CreditFacilityAxis" xlink:label="loc_us-gaap_CreditFacilityAxis_FD013F0707D4FAC805AF0119D22DE66B" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_1A96417D3AF4CF6FE9F40119D22DC37C" xlink:to="loc_us-gaap_CreditFacilityAxis_FD013F0707D4FAC805AF0119D22DE66B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CreditFacilityDomain" xlink:label="loc_us-gaap_CreditFacilityDomain_74C2E2BABAF33CA379800119D22D3E6B" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityAxis_FD013F0707D4FAC805AF0119D22DE66B" xlink:to="loc_us-gaap_CreditFacilityDomain_74C2E2BABAF33CA379800119D22D3E6B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RevolvingCreditFacilityMember" xlink:label="loc_us-gaap_RevolvingCreditFacilityMember_E2559FC5ECD6CB275E2F0119D2306B8A" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityDomain_74C2E2BABAF33CA379800119D22D3E6B" xlink:to="loc_us-gaap_RevolvingCreditFacilityMember_E2559FC5ECD6CB275E2F0119D2306B8A" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_RestatedCreditAgreementMember" xlink:label="loc_ecpg_RestatedCreditAgreementMember_AB7AF470FB48983C35DF0119D2301ECC" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityDomain_74C2E2BABAF33CA379800119D22D3E6B" xlink:to="loc_ecpg_RestatedCreditAgreementMember_AB7AF470FB48983C35DF0119D2301ECC" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongtermDebtTypeAxis" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_66AD3682A3274F465A360119D230FEB8" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_1A96417D3AF4CF6FE9F40119D22DC37C" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_66AD3682A3274F465A360119D230FEB8" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongtermDebtTypeDomain" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_57858C25A298CF15C0520119D23028CD" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_66AD3682A3274F465A360119D230FEB8" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_57858C25A298CF15C0520119D23028CD" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_TermLoanMember" xlink:label="loc_ecpg_TermLoanMember_59F3C49517FF8F37CC880119D230F883" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_57858C25A298CF15C0520119D23028CD" xlink:to="loc_ecpg_TermLoanMember_59F3C49517FF8F37CC880119D230F883" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_TermLoanTwoMember" xlink:label="loc_ecpg_TermLoanTwoMember_01828480D0315FF923740119D2305FEF" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_57858C25A298CF15C0520119D23028CD" xlink:to="loc_ecpg_TermLoanTwoMember_01828480D0315FF923740119D2305FEF" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_TermLoanThreeMember" xlink:label="loc_ecpg_TermLoanThreeMember_A4BE0EB4F744B5B970490119D230B38B" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_57858C25A298CF15C0520119D23028CD" xlink:to="loc_ecpg_TermLoanThreeMember_A4BE0EB4F744B5B970490119D230B38B" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_TermLoanOneMember" xlink:label="loc_ecpg_TermLoanOneMember_3B1AA01276504D792DBC0119D23022C2" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_57858C25A298CF15C0520119D23028CD" xlink:to="loc_ecpg_TermLoanOneMember_3B1AA01276504D792DBC0119D23022C2" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SecuredDebtMember" xlink:label="loc_us-gaap_SecuredDebtMember_AD5C875261349E964ADB0119D230D9A7" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_57858C25A298CF15C0520119D23028CD" xlink:to="loc_us-gaap_SecuredDebtMember_AD5C875261349E964ADB0119D230D9A7" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RangeAxis" xlink:label="loc_us-gaap_RangeAxis_33FB44FB91BD715897D90119D230012F" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_1A96417D3AF4CF6FE9F40119D22DC37C" xlink:to="loc_us-gaap_RangeAxis_33FB44FB91BD715897D90119D230012F" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RangeMember" xlink:label="loc_us-gaap_RangeMember_E3FEBF147873932728C00119D230E95E" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RangeAxis_33FB44FB91BD715897D90119D230012F" xlink:to="loc_us-gaap_RangeMember_E3FEBF147873932728C00119D230E95E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_MinimumMember" xlink:label="loc_us-gaap_MinimumMember_66E187F3390E5427F0F20119D230A002" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RangeMember_E3FEBF147873932728C00119D230E95E" xlink:to="loc_us-gaap_MinimumMember_66E187F3390E5427F0F20119D230A002" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_MaximumMember" xlink:label="loc_us-gaap_MaximumMember_566A07FC3CCE05AAC6E40119D2306CDD" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RangeMember_E3FEBF147873932728C00119D230E95E" xlink:to="loc_us-gaap_MaximumMember_566A07FC3CCE05AAC6E40119D2306CDD" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_VariableRateAxis" xlink:label="loc_us-gaap_VariableRateAxis_34C048195967A941C05A0119D2304659" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_1A96417D3AF4CF6FE9F40119D22DC37C" xlink:to="loc_us-gaap_VariableRateAxis_34C048195967A941C05A0119D2304659" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_VariableRateDomain" xlink:label="loc_us-gaap_VariableRateDomain_DFB2EF617BB2E0A279A90119D2305AF1" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableRateAxis_34C048195967A941C05A0119D2304659" xlink:to="loc_us-gaap_VariableRateDomain_DFB2EF617BB2E0A279A90119D2305AF1" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LondonInterbankOfferedRateLIBORMember" xlink:label="loc_us-gaap_LondonInterbankOfferedRateLIBORMember_5BDCCDC05F9F5C0FC33F0119D2305598" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableRateDomain_DFB2EF617BB2E0A279A90119D2305AF1" xlink:to="loc_us-gaap_LondonInterbankOfferedRateLIBORMember_5BDCCDC05F9F5C0FC33F0119D2305598" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BaseRateMember" xlink:label="loc_us-gaap_BaseRateMember_32CB758EA9FB2B876F360119D230054A" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableRateDomain_DFB2EF617BB2E0A279A90119D2305AF1" xlink:to="loc_us-gaap_BaseRateMember_32CB758EA9FB2B876F360119D230054A" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_1A96417D3AF4CF6FE9F40119D22DC37C" xlink:to="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:label="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_E22010876C09395DE0000119D230B155" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_E22010876C09395DE0000119D230B155" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherLongTermDebt" xlink:label="loc_us-gaap_OtherLongTermDebt_CAF3D7A4B3CE7DCCDB8C0119D2305F96" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_us-gaap_OtherLongTermDebt_CAF3D7A4B3CE7DCCDB8C0119D2305F96" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_AdditionalBorrowingCapacity" xlink:label="loc_ecpg_AdditionalBorrowingCapacity_0DE79BDEC0480C05CD4E0119D230D372" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_ecpg_AdditionalBorrowingCapacity_0DE79BDEC0480C05CD4E0119D230D372" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_LineOfCreditFacilityMaximumBorrowingCapacityIncludingAccordionFacility" xlink:label="loc_ecpg_LineOfCreditFacilityMaximumBorrowingCapacityIncludingAccordionFacility_5F2F0C29B892A203F6EC0119D2306B9B" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_ecpg_LineOfCreditFacilityMaximumBorrowingCapacityIncludingAccordionFacility_5F2F0C29B892A203F6EC0119D2306B9B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentTerm" xlink:label="loc_us-gaap_DebtInstrumentTerm_D023D75C7731CFABA7A50119D230B764" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_us-gaap_DebtInstrumentTerm_D023D75C7731CFABA7A50119D230B764" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LineOfCreditFacilityExpirationDate1" xlink:label="loc_us-gaap_LineOfCreditFacilityExpirationDate1_2AC714ACE6412677A34E0119D230D81A" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_us-gaap_LineOfCreditFacilityExpirationDate1_2AC714ACE6412677A34E0119D230D81A" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_DebtInstrumentNumberofSubtranches" xlink:label="loc_ecpg_DebtInstrumentNumberofSubtranches_6427C3915005EB39D8A10119D2304530" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_ecpg_DebtInstrumentNumberofSubtranches_6427C3915005EB39D8A10119D2304530" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:label="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_C8E2EC5F141CD7FC1F370119D2304FD1" xlink:type="locator" />
    <presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_C8E2EC5F141CD7FC1F370119D2304FD1" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_PercentageToBeAddedToBaseRateForAlternateBaseRate" xlink:label="loc_ecpg_PercentageToBeAddedToBaseRateForAlternateBaseRate_EB5C7B9404F4FEE1A7600119D230372E" xlink:type="locator" />
    <presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_ecpg_PercentageToBeAddedToBaseRateForAlternateBaseRate_EB5C7B9404F4FEE1A7600119D230372E" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_PercentageToBeAddedToAdjustedBaseRateForAlternateBaseRate" xlink:label="loc_ecpg_PercentageToBeAddedToAdjustedBaseRateForAlternateBaseRate_983BB052FC000F43AD280119D230A66B" xlink:type="locator" />
    <presentationArc order="10" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_ecpg_PercentageToBeAddedToAdjustedBaseRateForAlternateBaseRate_983BB052FC000F43AD280119D230A66B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear_73366B8A094DA7CA55EA0119D2305744" xlink:type="locator" />
    <presentationArc order="11" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear_73366B8A094DA7CA55EA0119D2305744" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_AC5249E28D17C9D2FC110119D230A9DC" xlink:type="locator" />
    <presentationArc order="12" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_AC5249E28D17C9D2FC110119D230A9DC" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_F101EC2B036AF2F258830119D230B67E" xlink:type="locator" />
    <presentationArc order="13" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_F101EC2B036AF2F258830119D230B67E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_0D14A3813378522352BA0119D2303941" xlink:type="locator" />
    <presentationArc order="14" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_0D14A3813378522352BA0119D2303941" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_BorrowingBaseAsPercentageOfEligibleEstimatedCollectionRangeStart" xlink:label="loc_ecpg_BorrowingBaseAsPercentageOfEligibleEstimatedCollectionRangeStart_E0ED393DDBAC6471AF050119D230DCEC" xlink:type="locator" />
    <presentationArc order="15" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_ecpg_BorrowingBaseAsPercentageOfEligibleEstimatedCollectionRangeStart_E0ED393DDBAC6471AF050119D230DCEC" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_BorrowingVaseAsPercentageOfEligibleEstimatedCollectionRangeEnd" xlink:label="loc_ecpg_BorrowingVaseAsPercentageOfEligibleEstimatedCollectionRangeEnd_1883CE51CA2732FD42210119D23070E5" xlink:type="locator" />
    <presentationArc order="16" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_ecpg_BorrowingVaseAsPercentageOfEligibleEstimatedCollectionRangeEnd_1883CE51CA2732FD42210119D23070E5" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_PercentageOfEligibleEstimatedRemainingCollections" xlink:label="loc_ecpg_PercentageOfEligibleEstimatedRemainingCollections_9331AFD4ED36435773540119D230DB59" xlink:type="locator" />
    <presentationArc order="17" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_ecpg_PercentageOfEligibleEstimatedRemainingCollections_9331AFD4ED36435773540119D230DB59" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_DebtInstrumentBorrowingBaseAsPercentageOfReceivables" xlink:label="loc_ecpg_DebtInstrumentBorrowingBaseAsPercentageOfReceivables_9FBF5ACF420EE16AFD350119D23010A6" xlink:type="locator" />
    <presentationArc order="18" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_ecpg_DebtInstrumentBorrowingBaseAsPercentageOfReceivables_9FBF5ACF420EE16AFD350119D23010A6" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_PercentageOfMultiplyingFactor" xlink:label="loc_ecpg_PercentageOfMultiplyingFactor_83C1265DB793CEF2750B0119D2302EF9" xlink:type="locator" />
    <presentationArc order="19" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_ecpg_PercentageOfMultiplyingFactor_83C1265DB793CEF2750B0119D2302EF9" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CashFlowLeverageRatio" xlink:label="loc_ecpg_CashFlowLeverageRatio_60080D3032747E430F740119D230FF55" xlink:type="locator" />
    <presentationArc order="20" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_ecpg_CashFlowLeverageRatio_60080D3032747E430F740119D230FF55" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_MaximumAdditionalUnsecuredDebt" xlink:label="loc_ecpg_MaximumAdditionalUnsecuredDebt_2C55C7714B2DDC17DC560119D230ED52" xlink:type="locator" />
    <presentationArc order="21" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_ecpg_MaximumAdditionalUnsecuredDebt_2C55C7714B2DDC17DC560119D230ED52" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_StockRepurchaseProgramMaximumAmountOfCommonStock" xlink:label="loc_ecpg_StockRepurchaseProgramMaximumAmountOfCommonStock_47B890CFC6D2C7EE06D40119D230C71F" xlink:type="locator" />
    <presentationArc order="22" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_ecpg_StockRepurchaseProgramMaximumAmountOfCommonStock_47B890CFC6D2C7EE06D40119D230C71F" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_PercentageOfOutstandingVotingStock" xlink:label="loc_ecpg_PercentageOfOutstandingVotingStock_C884B513D5C589C1070F0119D230CC5A" xlink:type="locator" />
    <presentationArc order="23" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_ecpg_PercentageOfOutstandingVotingStock_C884B513D5C589C1070F0119D230CC5A" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_AcquisitionLimit" xlink:label="loc_ecpg_AcquisitionLimit_A1E6AE04CF4B768D22840119D230D94F" xlink:type="locator" />
    <presentationArc order="24" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_ecpg_AcquisitionLimit_A1E6AE04CF4B768D22840119D230D94F" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_DebtInstrumentCovenantMaximumPercentageofConsolidatedNetWorth" xlink:label="loc_ecpg_DebtInstrumentCovenantMaximumPercentageofConsolidatedNetWorth_96E2917B41249020DF0C0119D23090D1" xlink:type="locator" />
    <presentationArc order="25" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_ecpg_DebtInstrumentCovenantMaximumPercentageofConsolidatedNetWorth_96E2917B41249020DF0C0119D23090D1" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_OtherLongTermDebtAndLineOfCreditFacilityAmountOutstanding" xlink:label="loc_ecpg_OtherLongTermDebtAndLineOfCreditFacilityAmountOutstanding_3D8B373326576A92D59C0119D2303C88" xlink:type="locator" />
    <presentationArc order="26" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_ecpg_OtherLongTermDebtAndLineOfCreditFacilityAmountOutstanding_3D8B373326576A92D59C0119D2303C88" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentInterestRateDuringPeriod" xlink:label="loc_us-gaap_DebtInstrumentInterestRateDuringPeriod_0DB595B09921BCE8685A0119D230C729" xlink:type="locator" />
    <presentationArc order="27" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_us-gaap_DebtInstrumentInterestRateDuringPeriod_0DB595B09921BCE8685A0119D230C729" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SeniorNotes" xlink:label="loc_us-gaap_SeniorNotes_B3411E099E4296721E330119D230B67C" xlink:type="locator" />
    <presentationArc order="28" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_7DD88D4A81BF66F1B4350119D2304309" xlink:to="loc_us-gaap_SeniorNotes_B3411E099E4296721E330119D230B67C" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/DebtEncoreSeniorSecuredNotesDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtDisclosureAbstract" xlink:label="loc_us-gaap_DebtDisclosureAbstract_B3BC5D185428825CD55EF9EC7CFCFDE2" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="loc_us-gaap_DebtInstrumentTable_50830AE94C79E10E1709F9EC7CFC1F7F" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_B3BC5D185428825CD55EF9EC7CFCFDE2" xlink:to="loc_us-gaap_DebtInstrumentTable_50830AE94C79E10E1709F9EC7CFC1F7F" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongtermDebtTypeAxis" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_934881534CF3A00F79C1F9EC7CFC1A2F" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_50830AE94C79E10E1709F9EC7CFC1F7F" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_934881534CF3A00F79C1F9EC7CFC1A2F" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongtermDebtTypeDomain" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_CBFA07792BE0E7DC3A7EF9EC7CFCF1A8" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_934881534CF3A00F79C1F9EC7CFC1A2F" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_CBFA07792BE0E7DC3A7EF9EC7CFCF1A8" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_TwoThousandElevenSeniorSecuredNotesMember" xlink:label="loc_ecpg_TwoThousandElevenSeniorSecuredNotesMember_54E97B939B6426C7F473F9EC7CFC6C6B" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_CBFA07792BE0E7DC3A7EF9EC7CFCF1A8" xlink:to="loc_ecpg_TwoThousandElevenSeniorSecuredNotesMember_54E97B939B6426C7F473F9EC7CFC6C6B" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_TwoThousandTenSeniorSecuredNotesMember" xlink:label="loc_ecpg_TwoThousandTenSeniorSecuredNotesMember_EE012847D5025027C2CBF9EC7CFC8ADE" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_CBFA07792BE0E7DC3A7EF9EC7CFCF1A8" xlink:to="loc_ecpg_TwoThousandTenSeniorSecuredNotesMember_EE012847D5025027C2CBF9EC7CFC8ADE" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="loc_us-gaap_DebtInstrumentLineItems_F6EFFC9D9F786358C053F9EC7CFCACA1" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_50830AE94C79E10E1709F9EC7CFC1F7F" xlink:to="loc_us-gaap_DebtInstrumentLineItems_F6EFFC9D9F786358C053F9EC7CFCACA1" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_SeniorNotesOriginalAmount" xlink:label="loc_ecpg_SeniorNotesOriginalAmount_2768569D81DCE457DA3DF9EC7CFC8750" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_F6EFFC9D9F786358C053F9EC7CFCACA1" xlink:to="loc_ecpg_SeniorNotesOriginalAmount_2768569D81DCE457DA3DF9EC7CFC8750" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_2157E2F9840457D31AC3F9EC7CFC481F" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_F6EFFC9D9F786358C053F9EC7CFCACA1" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_2157E2F9840457D31AC3F9EC7CFC481F" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_DebtInstrumentMaturityYear" xlink:label="loc_ecpg_DebtInstrumentMaturityYear_DC0413F7ABBCD2942394F9EC7CFCFCAA" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_F6EFFC9D9F786358C053F9EC7CFCACA1" xlink:to="loc_ecpg_DebtInstrumentMaturityYear_DC0413F7ABBCD2942394F9EC7CFCFCAA" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentPeriodicPaymentPrincipal" xlink:label="loc_us-gaap_DebtInstrumentPeriodicPaymentPrincipal_E4EF10AE6C9A1FAA58E5F9EC7CFC0029" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_F6EFFC9D9F786358C053F9EC7CFCACA1" xlink:to="loc_us-gaap_DebtInstrumentPeriodicPaymentPrincipal_E4EF10AE6C9A1FAA58E5F9EC7CFC0029" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SeniorNotes" xlink:label="loc_us-gaap_SeniorNotes_D5510D2F17677DEC680FF9EC7CFC02F4" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_F6EFFC9D9F786358C053F9EC7CFCACA1" xlink:to="loc_us-gaap_SeniorNotes_D5510D2F17677DEC680FF9EC7CFC02F4" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_SeniorSecuredNotesPresentValueInputsDiscountRateSpread" xlink:label="loc_ecpg_SeniorSecuredNotesPresentValueInputsDiscountRateSpread_A57630DE188D883B8E2AF9EC7CFC0FE4" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_F6EFFC9D9F786358C053F9EC7CFCACA1" xlink:to="loc_ecpg_SeniorSecuredNotesPresentValueInputsDiscountRateSpread_A57630DE188D883B8E2AF9EC7CFC0FE4" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_NumberofDebtAgreements" xlink:label="loc_ecpg_NumberofDebtAgreements_3BEE032A9BAA78EAAE8CF9EC7CFCD19C" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_F6EFFC9D9F786358C053F9EC7CFCACA1" xlink:to="loc_ecpg_NumberofDebtAgreements_3BEE032A9BAA78EAAE8CF9EC7CFCD19C" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/DebtInterestExpenseDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtDisclosureAbstract" xlink:label="loc_us-gaap_DebtDisclosureAbstract_01DE2AE16F0B1411DC13E4AAF507FD16" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="loc_us-gaap_DebtInstrumentTable_A672611651CDACD154B7E4AAF507E254" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_01DE2AE16F0B1411DC13E4AAF507FD16" xlink:to="loc_us-gaap_DebtInstrumentTable_A672611651CDACD154B7E4AAF507E254" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:label="loc_us-gaap_DebtInstrumentAxis_0C8A9999C8FF77282235E4AAF507EF58" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_A672611651CDACD154B7E4AAF507E254" xlink:to="loc_us-gaap_DebtInstrumentAxis_0C8A9999C8FF77282235E4AAF507EF58" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_5A5C7E3D65AE69FDEB79E4AAF5075AAD" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_0C8A9999C8FF77282235E4AAF507EF58" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_5A5C7E3D65AE69FDEB79E4AAF5075AAD" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ConvertibleNotesPayableMember" xlink:label="loc_us-gaap_ConvertibleNotesPayableMember_3C99F06674962DB84AD1E4AAF507A9BA" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_5A5C7E3D65AE69FDEB79E4AAF5075AAD" xlink:to="loc_us-gaap_ConvertibleNotesPayableMember_3C99F06674962DB84AD1E4AAF507A9BA" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CabotandMarlinAcquisitionsMember" xlink:label="loc_ecpg_CabotandMarlinAcquisitionsMember_84CC144C1F45A932AA6FE4AAF507ACFB" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_5A5C7E3D65AE69FDEB79E4AAF5075AAD" xlink:to="loc_ecpg_CabotandMarlinAcquisitionsMember_84CC144C1F45A932AA6FE4AAF507ACFB" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="loc_us-gaap_DebtInstrumentLineItems_CD76058C7ABADEFCD237E4AAF507CB90" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_A672611651CDACD154B7E4AAF507E254" xlink:to="loc_us-gaap_DebtInstrumentLineItems_CD76058C7ABADEFCD237E4AAF507CB90" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_InterestExpenseDebtExcludingAmortization" xlink:label="loc_us-gaap_InterestExpenseDebtExcludingAmortization_4B61150C7AB13D59DE0FE4AAF507FA57" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_CD76058C7ABADEFCD237E4AAF507CB90" xlink:to="loc_us-gaap_InterestExpenseDebtExcludingAmortization_4B61150C7AB13D59DE0FE4AAF507FA57" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AmortizationOfDebtDiscountPremium" xlink:label="loc_us-gaap_AmortizationOfDebtDiscountPremium_098E2D3247B062F14F0CE4AAF50735B0" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_CD76058C7ABADEFCD237E4AAF507CB90" xlink:to="loc_us-gaap_AmortizationOfDebtDiscountPremium_098E2D3247B062F14F0CE4AAF50735B0" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_InterestExpenseDebt" xlink:label="loc_us-gaap_InterestExpenseDebt_38C91619303F254DAB41E4AAF507B754" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_CD76058C7ABADEFCD237E4AAF507CB90" xlink:to="loc_us-gaap_InterestExpenseDebt_38C91619303F254DAB41E4AAF507B754" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/DebtPreferredEquityCertificatesAndCapitalLeaseObligationsDetails" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtDisclosureAbstract" xlink:label="loc_us-gaap_DebtDisclosureAbstract_8351F94557EE96F7C782F9EC7CCB49C1" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="loc_us-gaap_DebtInstrumentTable_BFA7D9CA69DA99DB2A53F9EC7CCB492D" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_8351F94557EE96F7C782F9EC7CCB49C1" xlink:to="loc_us-gaap_DebtInstrumentTable_BFA7D9CA69DA99DB2A53F9EC7CCB492D" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessAcquisitionAxis" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_5ACF78CD1624C83784A7F9EC7CCB2A84" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_BFA7D9CA69DA99DB2A53F9EC7CCB492D" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_5ACF78CD1624C83784A7F9EC7CCB2A84" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessAcquisitionAcquireeDomain" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_14737834F5CAA23C0822F9EC7CCB301F" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_5ACF78CD1624C83784A7F9EC7CCB2A84" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_14737834F5CAA23C0822F9EC7CCB301F" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CabotAcquisitionMember" xlink:label="loc_ecpg_CabotAcquisitionMember_6AD0FD9D4CB7D3B7281BF9EC7CCB19B8" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_14737834F5CAA23C0822F9EC7CCB301F" xlink:to="loc_ecpg_CabotAcquisitionMember_6AD0FD9D4CB7D3B7281BF9EC7CCB19B8" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_JanusHoldingsMember" xlink:label="loc_ecpg_JanusHoldingsMember_99CDFD2B19FD244507B2F9EC7CCCA1B5" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_14737834F5CAA23C0822F9EC7CCB301F" xlink:to="loc_ecpg_JanusHoldingsMember_99CDFD2B19FD244507B2F9EC7CCCA1B5" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAxis" xlink:label="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAxis_5E8BF71F3442C4D88F24F9EC7CCCAA90" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_BFA7D9CA69DA99DB2A53F9EC7CCB492D" xlink:to="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAxis_5E8BF71F3442C4D88F24F9EC7CCCAA90" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsDomain" xlink:label="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsDomain_DFAF17B80E24334A1270F9EC7CCC510C" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAxis_5E8BF71F3442C4D88F24F9EC7CCCAA90" xlink:to="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsDomain_DFAF17B80E24334A1270F9EC7CCC510C" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CabotHoldingsMember" xlink:label="loc_ecpg_CabotHoldingsMember_1F14397F8955E19D2558F9EC7CCCD815" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsDomain_DFAF17B80E24334A1270F9EC7CCC510C" xlink:to="loc_ecpg_CabotHoldingsMember_1F14397F8955E19D2558F9EC7CCCD815" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CabotCreditManagementMember" xlink:label="loc_ecpg_CabotCreditManagementMember_DD9882384BDE6C6AD62AF9EC7CCCC54E" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsDomain_DFAF17B80E24334A1270F9EC7CCC510C" xlink:to="loc_ecpg_CabotCreditManagementMember_DD9882384BDE6C6AD62AF9EC7CCCC54E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:label="loc_us-gaap_DebtInstrumentAxis_12EF67C43BA419C5E0DEF9EC7CCCD97A" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_BFA7D9CA69DA99DB2A53F9EC7CCB492D" xlink:to="loc_us-gaap_DebtInstrumentAxis_12EF67C43BA419C5E0DEF9EC7CCCD97A" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_1151143D6CA383DB34B6F9EC7CCC58E6" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_12EF67C43BA419C5E0DEF9EC7CCCD97A" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_1151143D6CA383DB34B6F9EC7CCC58E6" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_EBridgePreferredEquityCertificatesMember" xlink:label="loc_ecpg_EBridgePreferredEquityCertificatesMember_671BCB5E11AD3D43847AF9EC7CCC262A" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_1151143D6CA383DB34B6F9EC7CCC58E6" xlink:to="loc_ecpg_EBridgePreferredEquityCertificatesMember_671BCB5E11AD3D43847AF9EC7CCC262A" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_EPreferredEquityCertificatesMember" xlink:label="loc_ecpg_EPreferredEquityCertificatesMember_015669A2B2B80950844FF9EC7CCC4D15" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_1151143D6CA383DB34B6F9EC7CCC58E6" xlink:to="loc_ecpg_EPreferredEquityCertificatesMember_015669A2B2B80950844FF9EC7CCC4D15" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_JBridgePreferredEquityCertificatesMember" xlink:label="loc_ecpg_JBridgePreferredEquityCertificatesMember_92EC6059E245F187DE65F9EC7CCC1747" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_1151143D6CA383DB34B6F9EC7CCC58E6" xlink:to="loc_ecpg_JBridgePreferredEquityCertificatesMember_92EC6059E245F187DE65F9EC7CCC1747" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_JPreferredEquityCertificatesMember" xlink:label="loc_ecpg_JPreferredEquityCertificatesMember_D9FB091604A591D513F3F9EC7CCC0CE6" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_1151143D6CA383DB34B6F9EC7CCC58E6" xlink:to="loc_ecpg_JPreferredEquityCertificatesMember_D9FB091604A591D513F3F9EC7CCC0CE6" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:label="loc_us-gaap_StatementClassOfStockAxis_2607FF25947D65023962F9EC7CCC177E" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_BFA7D9CA69DA99DB2A53F9EC7CCB492D" xlink:to="loc_us-gaap_StatementClassOfStockAxis_2607FF25947D65023962F9EC7CCC177E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:label="loc_us-gaap_ClassOfStockDomain_5855D82DFEB1DC982E74F9EC7CCC9CD7" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_2607FF25947D65023962F9EC7CCC177E" xlink:to="loc_us-gaap_ClassOfStockDomain_5855D82DFEB1DC982E74F9EC7CCC9CD7" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CommonClassEMember" xlink:label="loc_ecpg_CommonClassEMember_0ADC93D1C2215271E3E6F9EC7CCC38D9" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_5855D82DFEB1DC982E74F9EC7CCC9CD7" xlink:to="loc_ecpg_CommonClassEMember_0ADC93D1C2215271E3E6F9EC7CCC38D9" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CommonClassAMember" xlink:label="loc_us-gaap_CommonClassAMember_CE29AF3C688A984C008DF9EC7CCC8285" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_5855D82DFEB1DC982E74F9EC7CCC9CD7" xlink:to="loc_us-gaap_CommonClassAMember_CE29AF3C688A984C008DF9EC7CCC8285" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CommonClassJMember" xlink:label="loc_ecpg_CommonClassJMember_0E7411FFAAE21FCA1EEBF9EC7CCC413D" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_5855D82DFEB1DC982E74F9EC7CCC9CD7" xlink:to="loc_ecpg_CommonClassJMember_0E7411FFAAE21FCA1EEBF9EC7CCC413D" xlink:type="arc" />
    <loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_LegalEntityAxis" xlink:label="loc_dei_LegalEntityAxis_9DCA15D734ED890B606BF9EC7CCDBF3A" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_BFA7D9CA69DA99DB2A53F9EC7CCB492D" xlink:to="loc_dei_LegalEntityAxis_9DCA15D734ED890B606BF9EC7CCDBF3A" xlink:type="arc" />
    <loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityDomain" xlink:label="loc_dei_EntityDomain_F3F1C3A0038870342CA1F9EC7CCD6075" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_9DCA15D734ED890B606BF9EC7CCDBF3A" xlink:to="loc_dei_EntityDomain_F3F1C3A0038870342CA1F9EC7CCD6075" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_JCFlowersAndCompanyLimitedLiabilityCompanyMember" xlink:label="loc_ecpg_JCFlowersAndCompanyLimitedLiabilityCompanyMember_5F1B2FDB18D46D42C6D0F9EC7CCDD88A" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_F3F1C3A0038870342CA1F9EC7CCD6075" xlink:to="loc_ecpg_JCFlowersAndCompanyLimitedLiabilityCompanyMember_5F1B2FDB18D46D42C6D0F9EC7CCDD88A" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongtermDebtTypeAxis" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_C5B97FC4158025AC15DCF9EC7CCD3BAF" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_BFA7D9CA69DA99DB2A53F9EC7CCB492D" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_C5B97FC4158025AC15DCF9EC7CCD3BAF" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongtermDebtTypeDomain" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_AE4537DAD61C41FB33D1F9EC7CCDE194" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_C5B97FC4158025AC15DCF9EC7CCD3BAF" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_AE4537DAD61C41FB33D1F9EC7CCDE194" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_PreferredEquityCertificateMember" xlink:label="loc_ecpg_PreferredEquityCertificateMember_8DCD64D25E3B5D908208F9EC7CCD4EBA" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_AE4537DAD61C41FB33D1F9EC7CCDE194" xlink:to="loc_ecpg_PreferredEquityCertificateMember_8DCD64D25E3B5D908208F9EC7CCD4EBA" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="loc_us-gaap_DebtInstrumentLineItems_B725C4E6AADE3D5CFEE6F9EC7CCDAD39" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_BFA7D9CA69DA99DB2A53F9EC7CCB492D" xlink:to="loc_us-gaap_DebtInstrumentLineItems_B725C4E6AADE3D5CFEE6F9EC7CCDAD39" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_BusinessAcquisitionPercentageOfEquityInterestsAcquired" xlink:label="loc_ecpg_BusinessAcquisitionPercentageOfEquityInterestsAcquired_930210BDBE1670D0D67AF9EC7CCD4FD8" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_B725C4E6AADE3D5CFEE6F9EC7CCDAD39" xlink:to="loc_ecpg_BusinessAcquisitionPercentageOfEquityInterestsAcquired_930210BDBE1670D0D67AF9EC7CCD4FD8" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancialLiabilities" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancialLiabilities_0B73A809D3E9A6CB43DEF9EC7CCDD3D3" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_B725C4E6AADE3D5CFEE6F9EC7CCDAD39" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancialLiabilities_0B73A809D3E9A6CB43DEF9EC7CCDD3D3" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_BusinessCombinationNumberOfSharesAcquired" xlink:label="loc_ecpg_BusinessCombinationNumberOfSharesAcquired_48B9F4578B3CEAD4BBD1F9EC7CCD066D" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_B725C4E6AADE3D5CFEE6F9EC7CCDAD39" xlink:to="loc_ecpg_BusinessCombinationNumberOfSharesAcquired_48B9F4578B3CEAD4BBD1F9EC7CCD066D" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationConsiderationTransferred1" xlink:label="loc_us-gaap_BusinessCombinationConsiderationTransferred1_25D9869BD9A17C7FC981F9EC7CCDC112" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_B725C4E6AADE3D5CFEE6F9EC7CCDAD39" xlink:to="loc_us-gaap_BusinessCombinationConsiderationTransferred1_25D9869BD9A17C7FC981F9EC7CCDC112" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_MinorityInterestOwnershipPercentageByNoncontrollingOwners" xlink:label="loc_us-gaap_MinorityInterestOwnershipPercentageByNoncontrollingOwners_E7F1D334487F30CCEBA7F9EC7CCD78DB" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_B725C4E6AADE3D5CFEE6F9EC7CCDAD39" xlink:to="loc_us-gaap_MinorityInterestOwnershipPercentageByNoncontrollingOwners_E7F1D334487F30CCEBA7F9EC7CCD78DB" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancialLiabilitiesStillHeldByMinorityInterest" xlink:label="loc_ecpg_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancialLiabilitiesStillHeldByMinorityInterest_87F7E3355CE693E5CFA6F9EC7CCDC46E" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_B725C4E6AADE3D5CFEE6F9EC7CCDAD39" xlink:to="loc_ecpg_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancialLiabilitiesStillHeldByMinorityInterest_87F7E3355CE693E5CFA6F9EC7CCDC46E" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_BusinessCombinationNumberOfSharesStillHeldByMinorityInterest" xlink:label="loc_ecpg_BusinessCombinationNumberOfSharesStillHeldByMinorityInterest_F7465014DFBE62C1D279F9EC7CCD7CFC" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_B725C4E6AADE3D5CFEE6F9EC7CCDAD39" xlink:to="loc_ecpg_BusinessCombinationNumberOfSharesStillHeldByMinorityInterest_F7465014DFBE62C1D279F9EC7CCD7CFC" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_744C1B923D555673A6FDF9EC7CCDF523" xlink:type="locator" />
    <presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_B725C4E6AADE3D5CFEE6F9EC7CCDAD39" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_744C1B923D555673A6FDF9EC7CCDF523" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_PreferredEquityCertificates" xlink:label="loc_ecpg_PreferredEquityCertificates_0344F36EDAC6B85B0567F9EC7CCD09E1" xlink:type="locator" />
    <presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_B725C4E6AADE3D5CFEE6F9EC7CCDAD39" xlink:to="loc_ecpg_PreferredEquityCertificates_0344F36EDAC6B85B0567F9EC7CCD09E1" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CapitalLeaseObligations" xlink:label="loc_us-gaap_CapitalLeaseObligations_B79D9C0FA489D3E49B43F9EC7CCDFB54" xlink:type="locator" />
    <presentationArc order="10" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_B725C4E6AADE3D5CFEE6F9EC7CCDAD39" xlink:to="loc_us-gaap_CapitalLeaseObligations_B79D9C0FA489D3E49B43F9EC7CCDFB54" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentageRateRangeMinimum" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentageRateRangeMinimum_F7A9A88F51DB3A02AA89F9EC7CCDEDA1" xlink:type="locator" />
    <presentationArc order="11" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_B725C4E6AADE3D5CFEE6F9EC7CCDAD39" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentageRateRangeMinimum_F7A9A88F51DB3A02AA89F9EC7CCDEDA1" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentageRateRangeMaximum" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentageRateRangeMaximum_D664DBDF96FFB0E85956F9EC7CCED92A" xlink:type="locator" />
    <presentationArc order="12" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_B725C4E6AADE3D5CFEE6F9EC7CCDAD39" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentageRateRangeMaximum_D664DBDF96FFB0E85956F9EC7CCED92A" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/DebtPropelFacilitiesDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtDisclosureAbstract" xlink:label="loc_us-gaap_DebtDisclosureAbstract_09157A1991B37909B174F9EC7CE29DAD" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="loc_us-gaap_DebtInstrumentTable_01C384A14B39EB5B9FE7F9EC7CE29C1B" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_09157A1991B37909B174F9EC7CE29DAD" xlink:to="loc_us-gaap_DebtInstrumentTable_01C384A14B39EB5B9FE7F9EC7CE29C1B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LineOfCreditFacilityAxis" xlink:label="loc_us-gaap_LineOfCreditFacilityAxis_CBAC4D8C24C4DB361362F9EC7CE2EEE8" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_01C384A14B39EB5B9FE7F9EC7CE29C1B" xlink:to="loc_us-gaap_LineOfCreditFacilityAxis_CBAC4D8C24C4DB361362F9EC7CE2EEE8" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LineOfCreditFacilityLenderDomain" xlink:label="loc_us-gaap_LineOfCreditFacilityLenderDomain_F0D0E7A10DBC3EDC7F8AF9EC7CE2E08D" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityAxis_CBAC4D8C24C4DB361362F9EC7CE2EEE8" xlink:to="loc_us-gaap_LineOfCreditFacilityLenderDomain_F0D0E7A10DBC3EDC7F8AF9EC7CE2E08D" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_PropelFacilityIMember" xlink:label="loc_ecpg_PropelFacilityIMember_36327233E3DC2FB7EF6EF9EC7CE2EE98" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityLenderDomain_F0D0E7A10DBC3EDC7F8AF9EC7CE2E08D" xlink:to="loc_ecpg_PropelFacilityIMember_36327233E3DC2FB7EF6EF9EC7CE2EE98" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_PropelFacilityIIAmendedMember" xlink:label="loc_ecpg_PropelFacilityIIAmendedMember_69797CA179D95FA90AA5F9EC7CE2317B" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityLenderDomain_F0D0E7A10DBC3EDC7F8AF9EC7CE2E08D" xlink:to="loc_ecpg_PropelFacilityIIAmendedMember_69797CA179D95FA90AA5F9EC7CE2317B" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_PropelFacilityIIMember" xlink:label="loc_ecpg_PropelFacilityIIMember_F5C6C00AADFBC4097CD2F9EC7CE2161D" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityLenderDomain_F0D0E7A10DBC3EDC7F8AF9EC7CE2E08D" xlink:to="loc_ecpg_PropelFacilityIIMember_F5C6C00AADFBC4097CD2F9EC7CE2161D" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_PropelSecuritizedFinancingFacilityMember" xlink:label="loc_ecpg_PropelSecuritizedFinancingFacilityMember_FA88D5A69476507AA05BF9EC7CE3C8D5" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityLenderDomain_F0D0E7A10DBC3EDC7F8AF9EC7CE2E08D" xlink:to="loc_ecpg_PropelSecuritizedFinancingFacilityMember_FA88D5A69476507AA05BF9EC7CE3C8D5" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:label="loc_us-gaap_DebtInstrumentAxis_80E459F05FBE3FEC7CE6F9EC7CE31892" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_01C384A14B39EB5B9FE7F9EC7CE29C1B" xlink:to="loc_us-gaap_DebtInstrumentAxis_80E459F05FBE3FEC7CE6F9EC7CE31892" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_54DCF06EEDD2A7F406CBF9EC7CE3B28C" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_80E459F05FBE3FEC7CE6F9EC7CE31892" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_54DCF06EEDD2A7F406CBF9EC7CE3B28C" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_AccordionFeatureMember" xlink:label="loc_ecpg_AccordionFeatureMember_F8D7EE416ED13DEF10BCF9EC7CE338F6" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_54DCF06EEDD2A7F406CBF9EC7CE3B28C" xlink:to="loc_ecpg_AccordionFeatureMember_F8D7EE416ED13DEF10BCF9EC7CE338F6" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RangeAxis" xlink:label="loc_us-gaap_RangeAxis_0FA5AB4EF397C95DE171F9EC7CE3EE5A" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_01C384A14B39EB5B9FE7F9EC7CE29C1B" xlink:to="loc_us-gaap_RangeAxis_0FA5AB4EF397C95DE171F9EC7CE3EE5A" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RangeMember" xlink:label="loc_us-gaap_RangeMember_DB75BEA581B0D08EB20DF9EC7CE3F08E" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RangeAxis_0FA5AB4EF397C95DE171F9EC7CE3EE5A" xlink:to="loc_us-gaap_RangeMember_DB75BEA581B0D08EB20DF9EC7CE3F08E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_MinimumMember" xlink:label="loc_us-gaap_MinimumMember_6F79523462A9796ADFB6F9EC7CE3178F" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RangeMember_DB75BEA581B0D08EB20DF9EC7CE3F08E" xlink:to="loc_us-gaap_MinimumMember_6F79523462A9796ADFB6F9EC7CE3178F" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_MaximumMember" xlink:label="loc_us-gaap_MaximumMember_E1BD69A929F104504C4DF9EC7CE34F6A" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RangeMember_DB75BEA581B0D08EB20DF9EC7CE3F08E" xlink:to="loc_us-gaap_MaximumMember_E1BD69A929F104504C4DF9EC7CE34F6A" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_VariableRateAxis" xlink:label="loc_us-gaap_VariableRateAxis_225FE87401E47281832FF9EC7CE3C4DF" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_01C384A14B39EB5B9FE7F9EC7CE29C1B" xlink:to="loc_us-gaap_VariableRateAxis_225FE87401E47281832FF9EC7CE3C4DF" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_VariableRateDomain" xlink:label="loc_us-gaap_VariableRateDomain_9E9EBA5E25509A97DFA9F9EC7CE3DD6C" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableRateAxis_225FE87401E47281832FF9EC7CE3C4DF" xlink:to="loc_us-gaap_VariableRateDomain_9E9EBA5E25509A97DFA9F9EC7CE3DD6C" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LondonInterbankOfferedRateLIBORMember" xlink:label="loc_us-gaap_LondonInterbankOfferedRateLIBORMember_EB4A4ABCDB29D124FD45F9EC7CE36BE0" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableRateDomain_9E9EBA5E25509A97DFA9F9EC7CE3DD6C" xlink:to="loc_us-gaap_LondonInterbankOfferedRateLIBORMember_EB4A4ABCDB29D124FD45F9EC7CE36BE0" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_FederalFundsRateMember" xlink:label="loc_ecpg_FederalFundsRateMember_75D34FE2CD03F8629F0AF9EC7CE3CF85" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableRateDomain_9E9EBA5E25509A97DFA9F9EC7CE3DD6C" xlink:to="loc_ecpg_FederalFundsRateMember_75D34FE2CD03F8629F0AF9EC7CE3CF85" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_OneMonthLIBORMember" xlink:label="loc_ecpg_OneMonthLIBORMember_F6EE3F37925C4AA12158F9EC7CE38A32" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableRateDomain_9E9EBA5E25509A97DFA9F9EC7CE3DD6C" xlink:to="loc_ecpg_OneMonthLIBORMember_F6EE3F37925C4AA12158F9EC7CE38A32" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentRedemptionPeriodAxis" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPeriodAxis_86E4EBB7DB69781F51A0F9EC7CE383AA" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_01C384A14B39EB5B9FE7F9EC7CE29C1B" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPeriodAxis_86E4EBB7DB69781F51A0F9EC7CE383AA" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentRedemptionPeriodDomain" xlink:label="loc_us-gaap_DebtInstrumentRedemptionPeriodDomain_008BD82CD9D44C96648FF9EC7CE3CD51" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentRedemptionPeriodAxis_86E4EBB7DB69781F51A0F9EC7CE383AA" xlink:to="loc_us-gaap_DebtInstrumentRedemptionPeriodDomain_008BD82CD9D44C96648FF9EC7CE3CD51" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_FollowingExpirationDateMember" xlink:label="loc_ecpg_FollowingExpirationDateMember_C5C0BF205235B20B16C4F9EC7CE3CBBA" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentRedemptionPeriodDomain_008BD82CD9D44C96648FF9EC7CE3CD51" xlink:to="loc_ecpg_FollowingExpirationDateMember_C5C0BF205235B20B16C4F9EC7CE3CBBA" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongtermDebtTypeAxis" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_544D6870365775E6FFF9F9EC7CE46FA8" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_01C384A14B39EB5B9FE7F9EC7CE29C1B" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_544D6870365775E6FFF9F9EC7CE46FA8" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongtermDebtTypeDomain" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_88B3CB71EF2C6CDA5778F9EC7CE4005B" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_544D6870365775E6FFF9F9EC7CE46FA8" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_88B3CB71EF2C6CDA5778F9EC7CE4005B" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_PropelTermLoanFacilityMember" xlink:label="loc_ecpg_PropelTermLoanFacilityMember_C9D1547585BB9464B2AFF9EC7CE4FBA5" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_88B3CB71EF2C6CDA5778F9EC7CE4005B" xlink:to="loc_ecpg_PropelTermLoanFacilityMember_C9D1547585BB9464B2AFF9EC7CE4FBA5" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SecuredDebtMember" xlink:label="loc_us-gaap_SecuredDebtMember_776BD1CE514F9FAA7D2AF9EC7CE46669" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_88B3CB71EF2C6CDA5778F9EC7CE4005B" xlink:to="loc_us-gaap_SecuredDebtMember_776BD1CE514F9FAA7D2AF9EC7CE46669" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementGeographicalAxis" xlink:label="loc_us-gaap_StatementGeographicalAxis_DD5D43FB086AAEF224F7F9EC7CE43FA9" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_01C384A14B39EB5B9FE7F9EC7CE29C1B" xlink:to="loc_us-gaap_StatementGeographicalAxis_DD5D43FB086AAEF224F7F9EC7CE43FA9" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SegmentGeographicalDomain" xlink:label="loc_us-gaap_SegmentGeographicalDomain_615EB1E3445044744488F9EC7CE4DB86" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementGeographicalAxis_DD5D43FB086AAEF224F7F9EC7CE43FA9" xlink:to="loc_us-gaap_SegmentGeographicalDomain_615EB1E3445044744488F9EC7CE4DB86" xlink:type="arc" />
    <loc xlink:href="http://xbrl.sec.gov/stpr/2011/stpr-2011-01-31.xsd#stpr_TX" xlink:label="loc_stpr_TX_AF46408DBB431F15AD64F9EC7CE45A98" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentGeographicalDomain_615EB1E3445044744488F9EC7CE4DB86" xlink:to="loc_stpr_TX_AF46408DBB431F15AD64F9EC7CE45A98" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="loc_us-gaap_DebtInstrumentLineItems_E05887E68E173773ACE6F9EC7CE49E87" xlink:type="locator" />
    <presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_01C384A14B39EB5B9FE7F9EC7CE29C1B" xlink:to="loc_us-gaap_DebtInstrumentLineItems_E05887E68E173773ACE6F9EC7CE49E87" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:label="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_2D9F67A33C8A01676268F9EC7CE4DAB3" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_E05887E68E173773ACE6F9EC7CE49E87" xlink:to="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_2D9F67A33C8A01676268F9EC7CE4DAB3" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:label="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_DA57A9E71A15E640E061F9EC7CE4FE19" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_E05887E68E173773ACE6F9EC7CE49E87" xlink:to="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_DA57A9E71A15E640E061F9EC7CE4FE19" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_BorrowingBaseOfFaceValueOfTaxLienCollateralizedNotes" xlink:label="loc_ecpg_BorrowingBaseOfFaceValueOfTaxLienCollateralizedNotes_97DDA0CE0F6ACDDB1FB7F9EC7CE43F05" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_E05887E68E173773ACE6F9EC7CE49E87" xlink:to="loc_ecpg_BorrowingBaseOfFaceValueOfTaxLienCollateralizedNotes_97DDA0CE0F6ACDDB1FB7F9EC7CE43F05" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LineOfCredit" xlink:label="loc_us-gaap_LineOfCredit_0EB449BF203A4FCF374BF9EC7CE44677" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_E05887E68E173773ACE6F9EC7CE49E87" xlink:to="loc_us-gaap_LineOfCredit_0EB449BF203A4FCF374BF9EC7CE44677" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentInterestRateDuringPeriod" xlink:label="loc_us-gaap_DebtInstrumentInterestRateDuringPeriod_B533083D83F1831679B7F9EC7CE48B0A" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_E05887E68E173773ACE6F9EC7CE49E87" xlink:to="loc_us-gaap_DebtInstrumentInterestRateDuringPeriod_B533083D83F1831679B7F9EC7CE48B0A" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_AdditionalLoanAmountDrawn" xlink:label="loc_ecpg_AdditionalLoanAmountDrawn_D2BEDD2E469025683D3AF9EC7CE44085" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_E05887E68E173773ACE6F9EC7CE49E87" xlink:to="loc_ecpg_AdditionalLoanAmountDrawn_D2BEDD2E469025683D3AF9EC7CE44085" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_DebtInstrumentTermExtensionPeriod" xlink:label="loc_ecpg_DebtInstrumentTermExtensionPeriod_C90AF47076E228B87D86FA13671F3F4C" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_E05887E68E173773ACE6F9EC7CE49E87" xlink:to="loc_ecpg_DebtInstrumentTermExtensionPeriod_C90AF47076E228B87D86FA13671F3F4C" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_2381B8E65E52D8541E55F9EC7CE40CF2" xlink:type="locator" />
    <presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_E05887E68E173773ACE6F9EC7CE49E87" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_2381B8E65E52D8541E55F9EC7CE40CF2" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentFaceAmount" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_80B662551D3B7CACB3CEF9EC7CE4668B" xlink:type="locator" />
    <presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_E05887E68E173773ACE6F9EC7CE49E87" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_80B662551D3B7CACB3CEF9EC7CE4668B" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_PropertyTaxPaymentAgreementsReceivableNet" xlink:label="loc_ecpg_PropertyTaxPaymentAgreementsReceivableNet_6B338CB8FE8AE7AC7BDBF9EC7CE4A05F" xlink:type="locator" />
    <presentationArc order="10" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_E05887E68E173773ACE6F9EC7CE49E87" xlink:to="loc_ecpg_PropertyTaxPaymentAgreementsReceivableNet_6B338CB8FE8AE7AC7BDBF9EC7CE4A05F" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherLongTermDebt" xlink:label="loc_us-gaap_OtherLongTermDebt_96251EFF9738F10B5590F9EC7CE51693" xlink:type="locator" />
    <presentationArc order="11" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_E05887E68E173773ACE6F9EC7CE49E87" xlink:to="loc_us-gaap_OtherLongTermDebt_96251EFF9738F10B5590F9EC7CE51693" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_PropertyTaxPaymentAgreementsReceivablePrincipalBalance" xlink:label="loc_ecpg_PropertyTaxPaymentAgreementsReceivablePrincipalBalance_51C3C8C229BFF8397816F9EC7CE51038" xlink:type="locator" />
    <presentationArc order="12" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_E05887E68E173773ACE6F9EC7CE49E87" xlink:to="loc_ecpg_PropertyTaxPaymentAgreementsReceivablePrincipalBalance_51C3C8C229BFF8397816F9EC7CE51038" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SeniorNotes" xlink:label="loc_us-gaap_SeniorNotes_243CC6FC6B998B921FE9F9EC7CE5E8F5" xlink:type="locator" />
    <presentationArc order="13" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_E05887E68E173773ACE6F9EC7CE49E87" xlink:to="loc_us-gaap_SeniorNotes_243CC6FC6B998B921FE9F9EC7CE5E8F5" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentCollateralAmount" xlink:label="loc_us-gaap_DebtInstrumentCollateralAmount_B74F0300EF1106149178F9EC7CE538A5" xlink:type="locator" />
    <presentationArc order="14" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_E05887E68E173773ACE6F9EC7CE49E87" xlink:to="loc_us-gaap_DebtInstrumentCollateralAmount_B74F0300EF1106149178F9EC7CE538A5" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/DebtTables" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtDisclosureAbstract" xlink:label="loc_us-gaap_DebtDisclosureAbstract_86592D8C9007357F56BAF9EC7D14867E" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="loc_us-gaap_DebtInstrumentTable_3F37E23C2F0A8A9D5935F9EC7D14A717" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_86592D8C9007357F56BAF9EC7D14867E" xlink:to="loc_us-gaap_DebtInstrumentTable_3F37E23C2F0A8A9D5935F9EC7D14A717" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:label="loc_us-gaap_DebtInstrumentAxis_B1050ADAAD428432315CF9EC7D143903" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_3F37E23C2F0A8A9D5935F9EC7D14A717" xlink:to="loc_us-gaap_DebtInstrumentAxis_B1050ADAAD428432315CF9EC7D143903" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_7182F582D4707043849BF9EC7D14AF1D" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_B1050ADAAD428432315CF9EC7D143903" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_7182F582D4707043849BF9EC7D14AF1D" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ConvertibleNotesPayableMember" xlink:label="loc_us-gaap_ConvertibleNotesPayableMember_4EC157D09A56F3F627CAF9EC7D1477BC" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_7182F582D4707043849BF9EC7D14AF1D" xlink:to="loc_us-gaap_ConvertibleNotesPayableMember_4EC157D09A56F3F627CAF9EC7D1477BC" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessAcquisitionAxis" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_D636C108A1EBF1B87EF8F9EC7D142A24" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_3F37E23C2F0A8A9D5935F9EC7D14A717" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_D636C108A1EBF1B87EF8F9EC7D142A24" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessAcquisitionAcquireeDomain" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_1D5B0CF2DE76B446ED0FF9EC7D1440B9" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_D636C108A1EBF1B87EF8F9EC7D142A24" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_1D5B0CF2DE76B446ED0FF9EC7D1440B9" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CabotandMarlinAcquisitionsMember" xlink:label="loc_ecpg_CabotandMarlinAcquisitionsMember_5552C367B03BD0CDE320F9EC7D14D4F2" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_1D5B0CF2DE76B446ED0FF9EC7D1440B9" xlink:to="loc_ecpg_CabotandMarlinAcquisitionsMember_5552C367B03BD0CDE320F9EC7D14D4F2" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="loc_us-gaap_DebtInstrumentLineItems_6B25D61A3C0C9E6791E8F9EC7D14B824" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_3F37E23C2F0A8A9D5935F9EC7D14A717" xlink:to="loc_us-gaap_DebtInstrumentLineItems_6B25D61A3C0C9E6791E8F9EC7D14B824" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfDebtTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfDebtTableTextBlock_EA9CC40A2D617FC61B68F9EC7D14D796" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6B25D61A3C0C9E6791E8F9EC7D14B824" xlink:to="loc_us-gaap_ScheduleOfDebtTableTextBlock_EA9CC40A2D617FC61B68F9EC7D14D796" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ConvertibleDebtTableTextBlock" xlink:label="loc_us-gaap_ConvertibleDebtTableTextBlock_0C3B7B231E9E1FD2F9F8F9EC7D143672" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6B25D61A3C0C9E6791E8F9EC7D14B824" xlink:to="loc_us-gaap_ConvertibleDebtTableTextBlock_0C3B7B231E9E1FD2F9F8F9EC7D143672" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfOtherNonoperatingIncomeExpenseTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfOtherNonoperatingIncomeExpenseTableTextBlock_7CD1F2537C1EFA01E05DF9EC7D147D1B" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6B25D61A3C0C9E6791E8F9EC7D14B824" xlink:to="loc_us-gaap_ScheduleOfOtherNonoperatingIncomeExpenseTableTextBlock_7CD1F2537C1EFA01E05DF9EC7D147D1B" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/DeferredCourtCostsNet" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract" xlink:label="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_3AA44BAD827DDD6561A8E4AAF4CBE9BD" xlink:type="locator" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_DeferredCourtCostsTextBlock" xlink:label="loc_ecpg_DeferredCourtCostsTextBlock_68EF07AD0558A8048A6EE4AAF4CB0DD0" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_3AA44BAD827DDD6561A8E4AAF4CBE9BD" xlink:to="loc_ecpg_DeferredCourtCostsTextBlock_68EF07AD0558A8048A6EE4AAF4CB0DD0" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/DeferredCourtCostsNetScheduleOfCourtCostReserveDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract" xlink:label="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_D8733F2D52832C8D7FCD047A07D6BBE9" xlink:type="locator" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_DeferredCostsCapitalizedPrepaidandOtherAssetsRollForward" xlink:label="loc_ecpg_DeferredCostsCapitalizedPrepaidandOtherAssetsRollForward_E2ADFA3D8996224B5ACE047A07D67D55" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_D8733F2D52832C8D7FCD047A07D6BBE9" xlink:to="loc_ecpg_DeferredCostsCapitalizedPrepaidandOtherAssetsRollForward_E2ADFA3D8996224B5ACE047A07D67D55" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_DeferredCourtCostsReserve" xlink:label="loc_ecpg_DeferredCourtCostsReserve_C90E24A52EC5089D2028047A07D60500" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_DeferredCostsCapitalizedPrepaidandOtherAssetsRollForward_E2ADFA3D8996224B5ACE047A07D67D55" xlink:to="loc_ecpg_DeferredCourtCostsReserve_C90E24A52EC5089D2028047A07D60500" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_ProvisionForCourtCostSpent" xlink:label="loc_ecpg_ProvisionForCourtCostSpent_355F77E7E16E3942383F047A07D6D146" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_DeferredCostsCapitalizedPrepaidandOtherAssetsRollForward_E2ADFA3D8996224B5ACE047A07D67D55" xlink:to="loc_ecpg_ProvisionForCourtCostSpent_355F77E7E16E3942383F047A07D6D146" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_WriteOffOfReserveAfterSixtyMonths" xlink:label="loc_ecpg_WriteOffOfReserveAfterSixtyMonths_65FC7C43095A867CA39A047A07D66B09" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_DeferredCostsCapitalizedPrepaidandOtherAssetsRollForward_E2ADFA3D8996224B5ACE047A07D67D55" xlink:to="loc_ecpg_WriteOffOfReserveAfterSixtyMonths_65FC7C43095A867CA39A047A07D66B09" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_DeferredCourtCostsForeignCurrencyTranslation" xlink:label="loc_ecpg_DeferredCourtCostsForeignCurrencyTranslation_5267BCDD36F624062DD4047A07D673AE" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_DeferredCostsCapitalizedPrepaidandOtherAssetsRollForward_E2ADFA3D8996224B5ACE047A07D67D55" xlink:to="loc_ecpg_DeferredCourtCostsForeignCurrencyTranslation_5267BCDD36F624062DD4047A07D673AE" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_DeferredCourtCostsReserve" xlink:label="loc_ecpg_DeferredCourtCostsReserve_41F43E13FAA42AE1A21D047A07D62A30" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_DeferredCostsCapitalizedPrepaidandOtherAssetsRollForward_E2ADFA3D8996224B5ACE047A07D67D55" xlink:to="loc_ecpg_DeferredCourtCostsReserve_41F43E13FAA42AE1A21D047A07D62A30" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/DeferredCourtCostsNetScheduleOfDeferredCourtCostsDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract" xlink:label="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_DB81E6836FB9B8FDC98BE4AAF47BA27B" xlink:type="locator" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_DeferredCourtCostsNotRecoveredWriteOffYears" xlink:label="loc_ecpg_DeferredCourtCostsNotRecoveredWriteOffYears_87173EFA6CCED157BCF3E4AAF47B4C87" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_DB81E6836FB9B8FDC98BE4AAF47BA27B" xlink:to="loc_ecpg_DeferredCourtCostsNotRecoveredWriteOffYears_87173EFA6CCED157BCF3E4AAF47B4C87" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_DeferredCourtCostsAdvanced" xlink:label="loc_ecpg_DeferredCourtCostsAdvanced_6DE4108697545AFAB801E4AAF47B770E" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_DB81E6836FB9B8FDC98BE4AAF47BA27B" xlink:to="loc_ecpg_DeferredCourtCostsAdvanced_6DE4108697545AFAB801E4AAF47B770E" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_DeferredCourtCostsRecovered" xlink:label="loc_ecpg_DeferredCourtCostsRecovered_8383F9828EC6DE3E643CE4AAF47B1C8D" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_DB81E6836FB9B8FDC98BE4AAF47BA27B" xlink:to="loc_ecpg_DeferredCourtCostsRecovered_8383F9828EC6DE3E643CE4AAF47B1C8D" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_DeferredCourtCostsReserve" xlink:label="loc_ecpg_DeferredCourtCostsReserve_622C0AC31D298CBBDBAAE4AAF47B55DC" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_DB81E6836FB9B8FDC98BE4AAF47BA27B" xlink:to="loc_ecpg_DeferredCourtCostsReserve_622C0AC31D298CBBDBAAE4AAF47B55DC" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherDeferredCostsNet" xlink:label="loc_us-gaap_OtherDeferredCostsNet_F0C4B46FFF90A64FD038E4AAF47B5DA1" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_DB81E6836FB9B8FDC98BE4AAF47BA27B" xlink:to="loc_us-gaap_OtherDeferredCostsNet_F0C4B46FFF90A64FD038E4AAF47B5DA1" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/DeferredCourtCostsNetTables" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract" xlink:label="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_06B2E8403F272DDFDDFEE4AAF56174DA" xlink:type="locator" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_ScheduleOfDeferredCourtCostsTableTextBlock" xlink:label="loc_ecpg_ScheduleOfDeferredCourtCostsTableTextBlock_79C86EA3382DA7B0CE02E4AAF561AD61" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_06B2E8403F272DDFDDFEE4AAF56174DA" xlink:to="loc_ecpg_ScheduleOfDeferredCourtCostsTableTextBlock_79C86EA3382DA7B0CE02E4AAF561AD61" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_ScheduleOfCourtCostReserveTableTextBlock" xlink:label="loc_ecpg_ScheduleOfCourtCostReserveTableTextBlock_70FAB59B09FA00E2689AE4AAF561E38F" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_06B2E8403F272DDFDDFEE4AAF56174DA" xlink:to="loc_ecpg_ScheduleOfCourtCostReserveTableTextBlock_70FAB59B09FA00E2689AE4AAF561E38F" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/DerivativesAndHedgingInstruments" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_74A5CD3CC21EA81A8A45E4AAF57F12D5" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock_1682027B8DF40014C023E4AAF57F2488" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_74A5CD3CC21EA81A8A45E4AAF57F12D5" xlink:to="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock_1682027B8DF40014C023E4AAF57F2488" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/DerivativesAndHedgingInstrumentsAdditionalInformationDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_70D56243E7F562099A5EFB4313DDC165" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeTable" xlink:label="loc_us-gaap_DerivativeTable_A98A6CCD6BF6DEA2FB32FB4313DDE415" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_70D56243E7F562099A5EFB4313DDC165" xlink:to="loc_us-gaap_DerivativeTable_A98A6CCD6BF6DEA2FB32FB4313DDE415" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAxis" xlink:label="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAxis_EB53FC341BE87CB89792FB4313DDD2DB" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeTable_A98A6CCD6BF6DEA2FB32FB4313DDE415" xlink:to="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAxis_EB53FC341BE87CB89792FB4313DDD2DB" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsDomain" xlink:label="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsDomain_F8EF9FED6EBE80830E7CFB4313DD4626" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAxis_EB53FC341BE87CB89792FB4313DDD2DB" xlink:to="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsDomain_F8EF9FED6EBE80830E7CFB4313DD4626" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CabotAcquisitionMember" xlink:label="loc_ecpg_CabotAcquisitionMember_5DA6045140C567881D4DFB4313DEFC76" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsDomain_F8EF9FED6EBE80830E7CFB4313DD4626" xlink:to="loc_ecpg_CabotAcquisitionMember_5DA6045140C567881D4DFB4313DEFC76" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_323CA2281ED4C3796B19FB4313DE1DA5" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeTable_A98A6CCD6BF6DEA2FB32FB4313DDE415" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_323CA2281ED4C3796B19FB4313DE1DA5" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_C9FDB456D23285300F82FB4313DE2259" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_323CA2281ED4C3796B19FB4313DE1DA5" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_C9FDB456D23285300F82FB4313DE2259" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ForeignExchangeForwardMember" xlink:label="loc_us-gaap_ForeignExchangeForwardMember_87F38C5F99C4EC7E92EEFB4313DEA0DE" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_C9FDB456D23285300F82FB4313DE2259" xlink:to="loc_us-gaap_ForeignExchangeForwardMember_87F38C5F99C4EC7E92EEFB4313DEA0DE" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="loc_us-gaap_DerivativeLineItems_52E3B556A3D1BD06AAEEFB4313DE3D68" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeTable_A98A6CCD6BF6DEA2FB32FB4313DDE415" xlink:to="loc_us-gaap_DerivativeLineItems_52E3B556A3D1BD06AAEEFB4313DE3D68" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NumberOfInterestRateDerivativesHeld" xlink:label="loc_us-gaap_NumberOfInterestRateDerivativesHeld_CF77968074F84AD18FDEFB4313DEA001" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLineItems_52E3B556A3D1BD06AAEEFB4313DE3D68" xlink:to="loc_us-gaap_NumberOfInterestRateDerivativesHeld_CF77968074F84AD18FDEFB4313DEA001" xlink:type="arc" />
    <loc xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_DerivativeNotionalAmount" xlink:label="loc_invest_DerivativeNotionalAmount_502F37A1FC178E8E46B9FB4313DE2FCA" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLineItems_52E3B556A3D1BD06AAEEFB4313DE3D68" xlink:to="loc_invest_DerivativeNotionalAmount_502F37A1FC178E8E46B9FB4313DE2FCA" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossReclassificationFromAccumulatedOCIToIncomeEstimatedNetAmountToBeTransferred" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossReclassificationFromAccumulatedOCIToIncomeEstimatedNetAmountToBeTransferred_E3E4442296A3E08AB467FB44D3A6445E" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLineItems_52E3B556A3D1BD06AAEEFB4313DE3D68" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossReclassificationFromAccumulatedOCIToIncomeEstimatedNetAmountToBeTransferred_E3E4442296A3E08AB467FB44D3A6445E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeInstrumentsLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortion" xlink:label="loc_us-gaap_DerivativeInstrumentsLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortion_B19762FED52F278FD8C6FB4313DED371" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLineItems_52E3B556A3D1BD06AAEEFB4313DE3D68" xlink:to="loc_us-gaap_DerivativeInstrumentsLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortion_B19762FED52F278FD8C6FB4313DED371" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/DerivativesAndHedgingInstrumentsSummaryOfEffectsOfDerivativesOnCashFlowHedgingRelationshipsInCompanysStatementsOfIncomeDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_4437E5FE863BC549B38DE4AAF4A3A3D2" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeTable" xlink:label="loc_us-gaap_DerivativeTable_0A641D9C63E510FA6391E4AAF4A3CA5C" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_4437E5FE863BC549B38DE4AAF4A3A3D2" xlink:to="loc_us-gaap_DerivativeTable_0A641D9C63E510FA6391E4AAF4A3CA5C" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncomeStatementLocationAxis" xlink:label="loc_us-gaap_IncomeStatementLocationAxis_87DD53BDCA98F076D1B5E4AAF4A3AB41" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeTable_0A641D9C63E510FA6391E4AAF4A3CA5C" xlink:to="loc_us-gaap_IncomeStatementLocationAxis_87DD53BDCA98F076D1B5E4AAF4A3AB41" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncomeStatementLocationDomain" xlink:label="loc_us-gaap_IncomeStatementLocationDomain_6A07A18CD5ECE4E8D499E4AAF4A3DC33" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationAxis_87DD53BDCA98F076D1B5E4AAF4A3AB41" xlink:to="loc_us-gaap_IncomeStatementLocationDomain_6A07A18CD5ECE4E8D499E4AAF4A3DC33" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_SalariesAndEmployeeBenefitsMember" xlink:label="loc_ecpg_SalariesAndEmployeeBenefitsMember_69DAF3AD682B3622E70FE4AAF4A3E5B4" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_6A07A18CD5ECE4E8D499E4AAF4A3DC33" xlink:to="loc_ecpg_SalariesAndEmployeeBenefitsMember_69DAF3AD682B3622E70FE4AAF4A3E5B4" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_GeneralAndAdministrativeExpensesMember" xlink:label="loc_ecpg_GeneralAndAdministrativeExpensesMember_56B7177CCB77CE539F19E4AAF4A34A3D" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_6A07A18CD5ECE4E8D499E4AAF4A3DC33" xlink:to="loc_ecpg_GeneralAndAdministrativeExpensesMember_56B7177CCB77CE539F19E4AAF4A34A3D" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_OtherExpenseIncomeMember" xlink:label="loc_ecpg_OtherExpenseIncomeMember_06C5313BAE94797AC599E4AAF4A30C35" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_6A07A18CD5ECE4E8D499E4AAF4A3DC33" xlink:to="loc_ecpg_OtherExpenseIncomeMember_06C5313BAE94797AC599E4AAF4A30C35" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_F75608F8A00AE3095C9FE4AAF4A32AF0" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeTable_0A641D9C63E510FA6391E4AAF4A3CA5C" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_F75608F8A00AE3095C9FE4AAF4A32AF0" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_7E0A854419D79C819E6AE4AAF4A3C68B" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_F75608F8A00AE3095C9FE4AAF4A32AF0" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_7E0A854419D79C819E6AE4AAF4A3C68B" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_ForeignExchangeContractsOneMember" xlink:label="loc_ecpg_ForeignExchangeContractsOneMember_8B698B3D45C423E99ED9E4AAF4A360F4" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_7E0A854419D79C819E6AE4AAF4A3C68B" xlink:to="loc_ecpg_ForeignExchangeContractsOneMember_8B698B3D45C423E99ED9E4AAF4A360F4" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_ForeignExchangeContractsTwoMember" xlink:label="loc_ecpg_ForeignExchangeContractsTwoMember_67C9A5F33BABBA54BEB1E4AAF4A32406" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_7E0A854419D79C819E6AE4AAF4A3C68B" xlink:to="loc_ecpg_ForeignExchangeContractsTwoMember_67C9A5F33BABBA54BEB1E4AAF4A32406" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="loc_us-gaap_DerivativeLineItems_90F3F55726BF47353B13E4AAF4A36E38" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeTable_0A641D9C63E510FA6391E4AAF4A3CA5C" xlink:to="loc_us-gaap_DerivativeLineItems_90F3F55726BF47353B13E4AAF4A36E38" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossRecognizedInOtherComprehensiveIncomeEffectivePortionNet" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossRecognizedInOtherComprehensiveIncomeEffectivePortionNet_36E3390277A51A92FA2EE4AAF4A3331A" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLineItems_90F3F55726BF47353B13E4AAF4A36E38" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossRecognizedInOtherComprehensiveIncomeEffectivePortionNet_36E3390277A51A92FA2EE4AAF4A3331A" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet_4B7CE1BA7C4563FADAC9E4AAF4A312C1" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLineItems_90F3F55726BF47353B13E4AAF4A36E38" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet_4B7CE1BA7C4563FADAC9E4AAF4A312C1" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeInstrumentsGainLossRecognizedInIncomeIneffectivePortionAndAmountExcludedFromEffectivenessTestingNet" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossRecognizedInIncomeIneffectivePortionAndAmountExcludedFromEffectivenessTestingNet_7D5F838476C73ED13836E4AAF4A3CD82" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLineItems_90F3F55726BF47353B13E4AAF4A36E38" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossRecognizedInIncomeIneffectivePortionAndAmountExcludedFromEffectivenessTestingNet_7D5F838476C73ED13836E4AAF4A3CD82" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/DerivativesAndHedgingInstrumentsSummaryOfFairValueOfDerivativeInstrumentsAsRecordedInCompanysConsolidatedStatementsOfFinancialConditionDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_1A02E33871A29F249069E4AAF51B7A07" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeTable" xlink:label="loc_us-gaap_DerivativeTable_4670779AE9AF509FAD85E4AAF51BE8DF" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_1A02E33871A29F249069E4AAF51B7A07" xlink:to="loc_us-gaap_DerivativeTable_4670779AE9AF509FAD85E4AAF51BE8DF" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_D2F81F3B1A372807EC5EE4AAF51B48C5" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeTable_4670779AE9AF509FAD85E4AAF51BE8DF" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_D2F81F3B1A372807EC5EE4AAF51B48C5" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_E47BE630DFB5FE0C82CBE4AAF51B996B" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_D2F81F3B1A372807EC5EE4AAF51B48C5" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_E47BE630DFB5FE0C82CBE4AAF51B996B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueMeasurementsRecurringMember" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember_5CDC32B12F74A5AACE81E4AAF51BF5B6" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_E47BE630DFB5FE0C82CBE4AAF51B996B" xlink:to="loc_us-gaap_FairValueMeasurementsRecurringMember_5CDC32B12F74A5AACE81E4AAF51BF5B6" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_6C7F0631ECBA8E1C0CDCE4AAF51BA28E" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeTable_4670779AE9AF509FAD85E4AAF51BE8DF" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_6C7F0631ECBA8E1C0CDCE4AAF51BA28E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_05E9F93C0CFF18D42730E4AAF51B3D68" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_6C7F0631ECBA8E1C0CDCE4AAF51BA28E" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_05E9F93C0CFF18D42730E4AAF51B3D68" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_1F5A3DB5A0C215821E6BE4AAF51BDF7E" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_05E9F93C0CFF18D42730E4AAF51B3D68" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_1F5A3DB5A0C215821E6BE4AAF51BDF7E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BalanceSheetLocationAxis" xlink:label="loc_us-gaap_BalanceSheetLocationAxis_C0739E60538E8F462D86E4AAF51BEE2A" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeTable_4670779AE9AF509FAD85E4AAF51BE8DF" xlink:to="loc_us-gaap_BalanceSheetLocationAxis_C0739E60538E8F462D86E4AAF51BEE2A" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BalanceSheetLocationDomain" xlink:label="loc_us-gaap_BalanceSheetLocationDomain_6FA11B21A3B68F51F066E4AAF51B7E97" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BalanceSheetLocationAxis_C0739E60538E8F462D86E4AAF51BEE2A" xlink:to="loc_us-gaap_BalanceSheetLocationDomain_6FA11B21A3B68F51F066E4AAF51B7E97" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherLiabilitiesMember" xlink:label="loc_us-gaap_OtherLiabilitiesMember_2A69AA1CE09FBB2A9F1DE4AAF51BABF9" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BalanceSheetLocationDomain_6FA11B21A3B68F51F066E4AAF51B7E97" xlink:to="loc_us-gaap_OtherLiabilitiesMember_2A69AA1CE09FBB2A9F1DE4AAF51BABF9" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherAssetsMember" xlink:label="loc_us-gaap_OtherAssetsMember_5CDBA9FCAAEF22219295E4AAF51B912B" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BalanceSheetLocationDomain_6FA11B21A3B68F51F066E4AAF51B7E97" xlink:to="loc_us-gaap_OtherAssetsMember_5CDBA9FCAAEF22219295E4AAF51B912B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_9A21B26F53A436B19574E4AAF51B8E5E" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeTable_4670779AE9AF509FAD85E4AAF51BE8DF" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_9A21B26F53A436B19574E4AAF51B8E5E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_88F28F0D7BD4E8E8C2BEE4AAF51BD39E" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_9A21B26F53A436B19574E4AAF51B8E5E" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_88F28F0D7BD4E8E8C2BEE4AAF51BD39E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ForeignExchangeContractMember" xlink:label="loc_us-gaap_ForeignExchangeContractMember_8BDEA4D1B2F6C4264ED0E4AAF51B04A1" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_88F28F0D7BD4E8E8C2BEE4AAF51BD39E" xlink:to="loc_us-gaap_ForeignExchangeContractMember_8BDEA4D1B2F6C4264ED0E4AAF51B04A1" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeLineItems" xlink:label="loc_us-gaap_DerivativeLineItems_DA963CD351568331D234E4AAF51B44E7" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeTable_4670779AE9AF509FAD85E4AAF51BE8DF" xlink:to="loc_us-gaap_DerivativeLineItems_DA963CD351568331D234E4AAF51B44E7" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ForeignCurrencyContractsLiabilityFairValueDisclosure" xlink:label="loc_us-gaap_ForeignCurrencyContractsLiabilityFairValueDisclosure_3AFA85FA3FE885B88753E4AAF51BC893" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLineItems_DA963CD351568331D234E4AAF51B44E7" xlink:to="loc_us-gaap_ForeignCurrencyContractsLiabilityFairValueDisclosure_3AFA85FA3FE885B88753E4AAF51BC893" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ForeignCurrencyContractAssetFairValueDisclosure" xlink:label="loc_us-gaap_ForeignCurrencyContractAssetFairValueDisclosure_A3A734C2D7AAB69119CDE4AAF5257561" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLineItems_DA963CD351568331D234E4AAF51B44E7" xlink:to="loc_us-gaap_ForeignCurrencyContractAssetFairValueDisclosure_A3A734C2D7AAB69119CDE4AAF5257561" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/DerivativesAndHedgingInstrumentsTables" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_D0369FEA36C01DE8A1BBE4AAF575B09B" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock" xlink:label="loc_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock_0F2A0610DF4E60226F17E4AAF57536F9" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_D0369FEA36C01DE8A1BBE4AAF575B09B" xlink:to="loc_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock_0F2A0610DF4E60226F17E4AAF57536F9" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xlink:label="loc_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock_F355747D51C754CE801CE4AAF5754D4F" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_D0369FEA36C01DE8A1BBE4AAF575B09B" xlink:to="loc_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock_F355747D51C754CE801CE4AAF5754D4F" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/DocumentAndEntityInformation" xlink:type="extended">
    <loc xlink:href="ecpg-20150630.xsd#ecpg_DocumentAndEntityInformationAbstract" xlink:label="loc_ecpg_DocumentAndEntityInformationAbstract_1A49167E3673F517F0C7E4AAF511E964" xlink:type="locator" />
    <loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_DocumentType" xlink:label="loc_dei_DocumentType_663AA2E1AF9A0A2DF502E4AAF511E6A2" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_DocumentAndEntityInformationAbstract_1A49167E3673F517F0C7E4AAF511E964" xlink:to="loc_dei_DocumentType_663AA2E1AF9A0A2DF502E4AAF511E6A2" xlink:type="arc" />
    <loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_AmendmentFlag" xlink:label="loc_dei_AmendmentFlag_83ED5462798422F9A97DE4AAF511E8FC" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_DocumentAndEntityInformationAbstract_1A49167E3673F517F0C7E4AAF511E964" xlink:to="loc_dei_AmendmentFlag_83ED5462798422F9A97DE4AAF511E8FC" xlink:type="arc" />
    <loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_DocumentPeriodEndDate" xlink:label="loc_dei_DocumentPeriodEndDate_5F6648F93C71F47646C3E4AAF5115A6B" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_DocumentAndEntityInformationAbstract_1A49167E3673F517F0C7E4AAF511E964" xlink:to="loc_dei_DocumentPeriodEndDate_5F6648F93C71F47646C3E4AAF5115A6B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_DocumentFiscalYearFocus" xlink:label="loc_dei_DocumentFiscalYearFocus_FEBAA258D480CA09FE20E4AAF511BD04" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_DocumentAndEntityInformationAbstract_1A49167E3673F517F0C7E4AAF511E964" xlink:to="loc_dei_DocumentFiscalYearFocus_FEBAA258D480CA09FE20E4AAF511BD04" xlink:type="arc" />
    <loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="loc_dei_DocumentFiscalPeriodFocus_C97566291E304AFEE401E4AAF511A7E8" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_DocumentAndEntityInformationAbstract_1A49167E3673F517F0C7E4AAF511E964" xlink:to="loc_dei_DocumentFiscalPeriodFocus_C97566291E304AFEE401E4AAF511A7E8" xlink:type="arc" />
    <loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_TradingSymbol" xlink:label="loc_dei_TradingSymbol_809FA48B53C3F4A6DD6EE4AAF511F41F" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_DocumentAndEntityInformationAbstract_1A49167E3673F517F0C7E4AAF511E964" xlink:to="loc_dei_TradingSymbol_809FA48B53C3F4A6DD6EE4AAF511F41F" xlink:type="arc" />
    <loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityRegistrantName" xlink:label="loc_dei_EntityRegistrantName_D0483555ADD71A3DFA82E4AAF511DF6A" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_DocumentAndEntityInformationAbstract_1A49167E3673F517F0C7E4AAF511E964" xlink:to="loc_dei_EntityRegistrantName_D0483555ADD71A3DFA82E4AAF511DF6A" xlink:type="arc" />
    <loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityCentralIndexKey" xlink:label="loc_dei_EntityCentralIndexKey_696CC65AEE588B1818C6E4AAF51126E0" xlink:type="locator" />
    <presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_DocumentAndEntityInformationAbstract_1A49167E3673F517F0C7E4AAF511E964" xlink:to="loc_dei_EntityCentralIndexKey_696CC65AEE588B1818C6E4AAF51126E0" xlink:type="arc" />
    <loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_CurrentFiscalYearEndDate" xlink:label="loc_dei_CurrentFiscalYearEndDate_C26576A25EA6A01E9654E4AAF51112B1" xlink:type="locator" />
    <presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_DocumentAndEntityInformationAbstract_1A49167E3673F517F0C7E4AAF511E964" xlink:to="loc_dei_CurrentFiscalYearEndDate_C26576A25EA6A01E9654E4AAF51112B1" xlink:type="arc" />
    <loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityFilerCategory" xlink:label="loc_dei_EntityFilerCategory_9EAD0ECA38DC0E6D71AFE4AAF5115990" xlink:type="locator" />
    <presentationArc order="10" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_DocumentAndEntityInformationAbstract_1A49167E3673F517F0C7E4AAF511E964" xlink:to="loc_dei_EntityFilerCategory_9EAD0ECA38DC0E6D71AFE4AAF5115990" xlink:type="arc" />
    <loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="loc_dei_EntityCommonStockSharesOutstanding_761CB44490D19B55A101E4AAF51184A1" xlink:type="locator" />
    <presentationArc order="11" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_DocumentAndEntityInformationAbstract_1A49167E3673F517F0C7E4AAF511E964" xlink:to="loc_dei_EntityCommonStockSharesOutstanding_761CB44490D19B55A101E4AAF51184A1" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/EarningsPerShare" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="loc_us-gaap_EarningsPerShareAbstract_7260D2888D77D821DE50E4AAF4D5E45A" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EarningsPerShareTextBlock" xlink:label="loc_us-gaap_EarningsPerShareTextBlock_81682E28B6D17F050563E4AAF4D5DE9D" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_7260D2888D77D821DE50E4AAF4D5E45A" xlink:to="loc_us-gaap_EarningsPerShareTextBlock_81682E28B6D17F050563E4AAF4D5DE9D" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/EarningsPerShareAdditionalInformationDetails" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="loc_us-gaap_EarningsPerShareAbstract_3FCEF154EE5B6A6A36C6F913A4C90112" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable" xlink:label="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_D972DC10044214CA0C79F913A4C923F3" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_3FCEF154EE5B6A6A36C6F913A4C90112" xlink:to="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_D972DC10044214CA0C79F913A4C923F3" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongtermDebtTypeAxis" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_4D29D1B4A1EA03B7BA55F913A4C9132D" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_D972DC10044214CA0C79F913A4C923F3" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_4D29D1B4A1EA03B7BA55F913A4C9132D" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongtermDebtTypeDomain" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_F41DDC777774650FAA13F913A4C92BBC" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_4D29D1B4A1EA03B7BA55F913A4C9132D" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_F41DDC777774650FAA13F913A4C92BBC" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_TwoThousandSeventeenConvertibleSeniorNotesMember" xlink:label="loc_ecpg_TwoThousandSeventeenConvertibleSeniorNotesMember_F2FB23C70352BE076DDFF913A4C99404" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_F41DDC777774650FAA13F913A4C92BBC" xlink:to="loc_ecpg_TwoThousandSeventeenConvertibleSeniorNotesMember_F2FB23C70352BE076DDFF913A4C99404" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_TwoThousandTwentyConvertibleSeniorNotesMember" xlink:label="loc_ecpg_TwoThousandTwentyConvertibleSeniorNotesMember_23C81575481FB16BE52FF913A4C977BF" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_F41DDC777774650FAA13F913A4C92BBC" xlink:to="loc_ecpg_TwoThousandTwentyConvertibleSeniorNotesMember_23C81575481FB16BE52FF913A4C977BF" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_TwoThousandTwentyOneConvertibleSeniorNotesMember" xlink:label="loc_ecpg_TwoThousandTwentyOneConvertibleSeniorNotesMember_4ADA5E10BD2AB4C8165DF913A4C947ED" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_F41DDC777774650FAA13F913A4C92BBC" xlink:to="loc_ecpg_TwoThousandTwentyOneConvertibleSeniorNotesMember_4ADA5E10BD2AB4C8165DF913A4C947ED" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_DebtInstrumentsAffectedbyHedgingActivitiesAxis" xlink:label="loc_ecpg_DebtInstrumentsAffectedbyHedgingActivitiesAxis_B9E4ED75B148C4A6121AF913A4C976BA" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_D972DC10044214CA0C79F913A4C923F3" xlink:to="loc_ecpg_DebtInstrumentsAffectedbyHedgingActivitiesAxis_B9E4ED75B148C4A6121AF913A4C976BA" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_DebtInstrumentsAffectedbyHedgingActivitiesDomain" xlink:label="loc_ecpg_DebtInstrumentsAffectedbyHedgingActivitiesDomain_C0881ED2ADDAF25307DBF913A4C9EBD2" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_DebtInstrumentsAffectedbyHedgingActivitiesAxis_B9E4ED75B148C4A6121AF913A4C976BA" xlink:to="loc_ecpg_DebtInstrumentsAffectedbyHedgingActivitiesDomain_C0881ED2ADDAF25307DBF913A4C9EBD2" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_AdjustedDebtConversionRateFollowingHedgeTransactionsMember" xlink:label="loc_ecpg_AdjustedDebtConversionRateFollowingHedgeTransactionsMember_6F8A0F6D3C17841493BBF913A4C90833" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_DebtInstrumentsAffectedbyHedgingActivitiesDomain_C0881ED2ADDAF25307DBF913A4C9EBD2" xlink:to="loc_ecpg_AdjustedDebtConversionRateFollowingHedgeTransactionsMember_6F8A0F6D3C17841493BBF913A4C90833" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:label="loc_us-gaap_DebtInstrumentAxis_84E3576CB4D6F417BEDCF913A4C91E91" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_D972DC10044214CA0C79F913A4C923F3" xlink:to="loc_us-gaap_DebtInstrumentAxis_84E3576CB4D6F417BEDCF913A4C91E91" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_9F942B9963A511EA3CFBF913A4C9D509" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_84E3576CB4D6F417BEDCF913A4C91E91" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_9F942B9963A511EA3CFBF913A4C9D509" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_BeforeAmendmentMember" xlink:label="loc_ecpg_BeforeAmendmentMember_33B6E24DC3CB1A85C880F913A4CAF677" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_9F942B9963A511EA3CFBF913A4C9D509" xlink:to="loc_ecpg_BeforeAmendmentMember_33B6E24DC3CB1A85C880F913A4CAF677" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_AfterAmendmentMember" xlink:label="loc_ecpg_AfterAmendmentMember_579B1216E5E271E1DEEDF913A4CA9E34" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_9F942B9963A511EA3CFBF913A4C9D509" xlink:to="loc_ecpg_AfterAmendmentMember_579B1216E5E271E1DEEDF913A4CA9E34" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_713B8EDD990BB676B2D8F913A4CA9558" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_D972DC10044214CA0C79F913A4C923F3" xlink:to="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_713B8EDD990BB676B2D8F913A4CA9558" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StockRepurchaseProgramAuthorizedAmount1" xlink:label="loc_us-gaap_StockRepurchaseProgramAuthorizedAmount1_04701CAA95AB37971AD3F913A4CA4A99" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_713B8EDD990BB676B2D8F913A4CA9558" xlink:to="loc_us-gaap_StockRepurchaseProgramAuthorizedAmount1_04701CAA95AB37971AD3F913A4CA4A99" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StockRepurchasedDuringPeriodShares" xlink:label="loc_us-gaap_StockRepurchasedDuringPeriodShares_C17EF7999FBE5A5FF196F913A4CAB5BF" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_713B8EDD990BB676B2D8F913A4CA9558" xlink:to="loc_us-gaap_StockRepurchasedDuringPeriodShares_C17EF7999FBE5A5FF196F913A4CAB5BF" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StockRepurchasedDuringPeriodValue" xlink:label="loc_us-gaap_StockRepurchasedDuringPeriodValue_D0BCB84BCB8213FB6B1CF913A4CA3F0B" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_713B8EDD990BB676B2D8F913A4CA9558" xlink:to="loc_us-gaap_StockRepurchasedDuringPeriodValue_D0BCB84BCB8213FB6B1CF913A4CA3F0B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_072D9D88138114382C6AF913A4CAFCA8" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_713B8EDD990BB676B2D8F913A4CA9558" xlink:to="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_072D9D88138114382C6AF913A4CAFCA8" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ConvertibleDebt" xlink:label="loc_us-gaap_ConvertibleDebt_548296B156A0F2A3BE10F913A4CAB6FF" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_713B8EDD990BB676B2D8F913A4CA9558" xlink:to="loc_us-gaap_ConvertibleDebt_548296B156A0F2A3BE10F913A4CAB6FF" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentConvertibleConversionPrice1" xlink:label="loc_us-gaap_DebtInstrumentConvertibleConversionPrice1_A903D6A3B28965C30A1AF913A4CA800B" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_713B8EDD990BB676B2D8F913A4CA9558" xlink:to="loc_us-gaap_DebtInstrumentConvertibleConversionPrice1_A903D6A3B28965C30A1AF913A4CA800B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights" xlink:label="loc_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights_166CCE0E520924C3F355F913A4CAC5AF" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_713B8EDD990BB676B2D8F913A4CA9558" xlink:to="loc_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights_166CCE0E520924C3F355F913A4CAC5AF" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1" xlink:label="loc_us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1_FDBDFA1D6860D959EED6F913A4CA7504" xlink:type="locator" />
    <presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_713B8EDD990BB676B2D8F913A4CA9558" xlink:to="loc_us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1_FDBDFA1D6860D959EED6F913A4CA7504" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/EarningsPerShareReconciliationOfSharesUsedInCalculatingEarningsPerBasicAndDilutedSharesDetails" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="loc_us-gaap_EarningsPerShareAbstract_1F9D05E28788E3FF67F6F913A4CD740E" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_110CF38253DC7D6AD604F913A4CD973C" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_1F9D05E28788E3FF67F6F913A4CD740E" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_110CF38253DC7D6AD604F913A4CD973C" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_1593B7252A432D87D186F913A4CDC1C5" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_1F9D05E28788E3FF67F6F913A4CD740E" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_1593B7252A432D87D186F913A4CDC1C5" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncrementalCommonSharesAttributableToConversionOfDebtSecurities" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToConversionOfDebtSecurities_71FD450002880DF1807FF913A4CD2CC0" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_1F9D05E28788E3FF67F6F913A4CD740E" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToConversionOfDebtSecurities_71FD450002880DF1807FF913A4CD2CC0" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants_754974FF34E0973FDACCF913A4CD8774" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_1F9D05E28788E3FF67F6F913A4CD740E" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants_754974FF34E0973FDACCF913A4CD8774" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_D4613675DE49E489716BF913A4CD5610" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_1F9D05E28788E3FF67F6F913A4CD740E" xlink:to="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_D4613675DE49E489716BF913A4CD5610" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/EarningsPerShareTables" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="loc_us-gaap_EarningsPerShareAbstract_3747A21D061C629564E7E4AAF5755C2D" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_3397801798C0A49C3C13E4AAF575CFA9" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_3747A21D061C629564E7E4AAF5755C2D" xlink:to="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_3397801798C0A49C3C13E4AAF575CFA9" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/FairValueMeasurements" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueDisclosuresAbstract" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_305883B82B005F0A1AE3E4AAF4C1F827" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueDisclosuresTextBlock" xlink:label="loc_us-gaap_FairValueDisclosuresTextBlock_983506553D3C0ABDBC1FE4AAF4C1A95E" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_305883B82B005F0A1AE3E4AAF4C1F827" xlink:to="loc_us-gaap_FairValueDisclosuresTextBlock_983506553D3C0ABDBC1FE4AAF4C1A95E" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/FairValueMeasurementsAdditionalInformationDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueDisclosuresAbstract" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_6EA31FA55101724345C4F9EC7D5667FD" xlink:type="locator" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_FairValueMeasurementsOfFinancialInstrumentsTable" xlink:label="loc_ecpg_FairValueMeasurementsOfFinancialInstrumentsTable_104D32687E40D93E4C07F9EC7D56006F" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_6EA31FA55101724345C4F9EC7D5667FD" xlink:to="loc_ecpg_FairValueMeasurementsOfFinancialInstrumentsTable_104D32687E40D93E4C07F9EC7D56006F" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementGeographicalAxis" xlink:label="loc_us-gaap_StatementGeographicalAxis_6711808CFEEFC2DEE37AF9EC7D56AEB9" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_FairValueMeasurementsOfFinancialInstrumentsTable_104D32687E40D93E4C07F9EC7D56006F" xlink:to="loc_us-gaap_StatementGeographicalAxis_6711808CFEEFC2DEE37AF9EC7D56AEB9" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SegmentGeographicalDomain" xlink:label="loc_us-gaap_SegmentGeographicalDomain_A7017D0436C3962F200EF9EC7D568FFD" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementGeographicalAxis_6711808CFEEFC2DEE37AF9EC7D56AEB9" xlink:to="loc_us-gaap_SegmentGeographicalDomain_A7017D0436C3962F200EF9EC7D568FFD" xlink:type="arc" />
    <loc xlink:href="http://xbrl.sec.gov/country/2013/country-2013-01-31.xsd#country_US" xlink:label="loc_country_US_FD9D2B657080D9489FEEF9EC7D57D5DE" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentGeographicalDomain_A7017D0436C3962F200EF9EC7D568FFD" xlink:to="loc_country_US_FD9D2B657080D9489FEEF9EC7D57D5DE" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EuropeMember" xlink:label="loc_us-gaap_EuropeMember_F6B806775F808EB34081F9EC7D57CD43" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentGeographicalDomain_A7017D0436C3962F200EF9EC7D568FFD" xlink:to="loc_us-gaap_EuropeMember_F6B806775F808EB34081F9EC7D57CD43" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_B343A5D9C9BF073C91F7F9EC7D57E9E1" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_FairValueMeasurementsOfFinancialInstrumentsTable_104D32687E40D93E4C07F9EC7D56006F" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_B343A5D9C9BF073C91F7F9EC7D57E9E1" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_6385804A4E80FB16C77BF9EC7D576A26" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_B343A5D9C9BF073C91F7F9EC7D57E9E1" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_6385804A4E80FB16C77BF9EC7D576A26" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CostToCollectMember" xlink:label="loc_ecpg_CostToCollectMember_E05DC9800FD178D19F8FF9EC7D572641" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_6385804A4E80FB16C77BF9EC7D576A26" xlink:to="loc_ecpg_CostToCollectMember_E05DC9800FD178D19F8FF9EC7D572641" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_DiscountRateMember" xlink:label="loc_ecpg_DiscountRateMember_E182970DC4FC859F70FAF9EC7D570FEA" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_6385804A4E80FB16C77BF9EC7D576A26" xlink:to="loc_ecpg_DiscountRateMember_E182970DC4FC859F70FAF9EC7D570FEA" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAxis" xlink:label="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAxis_CA9656323ED214342EDEF9EC7D57C7FA" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_FairValueMeasurementsOfFinancialInstrumentsTable_104D32687E40D93E4C07F9EC7D56006F" xlink:to="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAxis_CA9656323ED214342EDEF9EC7D57C7FA" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsDomain" xlink:label="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsDomain_348AAF7BBA458E3DDEE2F9EC7D57D5F9" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAxis_CA9656323ED214342EDEF9EC7D57C7FA" xlink:to="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsDomain_348AAF7BBA458E3DDEE2F9EC7D57D5F9" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CabotandMarlinAcquisitionsMember" xlink:label="loc_ecpg_CabotandMarlinAcquisitionsMember_BC026DF33953FDF0122FF9EC7D578A04" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsDomain_348AAF7BBA458E3DDEE2F9EC7D57D5F9" xlink:to="loc_ecpg_CabotandMarlinAcquisitionsMember_BC026DF33953FDF0122FF9EC7D578A04" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_FairValueMeasurementsOfFinancialInstrumentsLineItems" xlink:label="loc_ecpg_FairValueMeasurementsOfFinancialInstrumentsLineItems_B520390DDE5E20CA1DF8F9EC7D57581D" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_FairValueMeasurementsOfFinancialInstrumentsTable_104D32687E40D93E4C07F9EC7D56006F" xlink:to="loc_ecpg_FairValueMeasurementsOfFinancialInstrumentsLineItems_B520390DDE5E20CA1DF8F9EC7D57581D" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_FairValueOfEstimatedMarketParticipantRate" xlink:label="loc_ecpg_FairValueOfEstimatedMarketParticipantRate_750D613BE0845CB01316F9EC7D576959" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_FairValueMeasurementsOfFinancialInstrumentsLineItems_B520390DDE5E20CA1DF8F9EC7D57581D" xlink:to="loc_ecpg_FairValueOfEstimatedMarketParticipantRate_750D613BE0845CB01316F9EC7D576959" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueInputsDiscountRate" xlink:label="loc_us-gaap_FairValueInputsDiscountRate_539A78CD45AE9F8F6B5FF9EC7D576F53" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_FairValueMeasurementsOfFinancialInstrumentsLineItems_B520390DDE5E20CA1DF8F9EC7D57581D" xlink:to="loc_us-gaap_FairValueInputsDiscountRate_539A78CD45AE9F8F6B5FF9EC7D576F53" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AssetAtFairValueChangesInFairValueResultingFromChangesInAssumptions" xlink:label="loc_us-gaap_AssetAtFairValueChangesInFairValueResultingFromChangesInAssumptions_2AB158A30920E6682397F9EC7D57111A" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_FairValueMeasurementsOfFinancialInstrumentsLineItems_B520390DDE5E20CA1DF8F9EC7D57581D" xlink:to="loc_us-gaap_AssetAtFairValueChangesInFairValueResultingFromChangesInAssumptions_2AB158A30920E6682397F9EC7D57111A" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet" xlink:label="loc_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet_FD6DA44419F36F1C772DF9EC7D571346" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_FairValueMeasurementsOfFinancialInstrumentsLineItems_B520390DDE5E20CA1DF8F9EC7D57581D" xlink:to="loc_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet_FD6DA44419F36F1C772DF9EC7D571346" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ConvertibleNotesPayable" xlink:label="loc_us-gaap_ConvertibleNotesPayable_403F11583257CCDD8936F9EC7D584AE1" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/positiveLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_FairValueMeasurementsOfFinancialInstrumentsLineItems_B520390DDE5E20CA1DF8F9EC7D57581D" xlink:to="loc_us-gaap_ConvertibleNotesPayable_403F11583257CCDD8936F9EC7D584AE1" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentUnamortizedDiscount" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscount_479B0C6176FA478FDE6CF9EC7D585B19" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_FairValueMeasurementsOfFinancialInstrumentsLineItems_B520390DDE5E20CA1DF8F9EC7D57581D" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedDiscount_479B0C6176FA478FDE6CF9EC7D585B19" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ConvertibleDebtFairValueDisclosures" xlink:label="loc_us-gaap_ConvertibleDebtFairValueDisclosures_20DA893AA69A70A48D57F9EC7D587035" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_FairValueMeasurementsOfFinancialInstrumentsLineItems_B520390DDE5E20CA1DF8F9EC7D57581D" xlink:to="loc_us-gaap_ConvertibleDebtFairValueDisclosures_20DA893AA69A70A48D57F9EC7D587035" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SeniorNotes" xlink:label="loc_us-gaap_SeniorNotes_3B92C8A04AEEBB74B474F9EC7D584F1C" xlink:type="locator" />
    <presentationArc order="8" preferredLabel="http://www.xbrl.org/2009/role/netLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_FairValueMeasurementsOfFinancialInstrumentsLineItems_B520390DDE5E20CA1DF8F9EC7D57581D" xlink:to="loc_us-gaap_SeniorNotes_3B92C8A04AEEBB74B474F9EC7D584F1C" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentUnamortizedPremium" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedPremium_A339AEBE045CBFF72A04F9EC7D5827C2" xlink:type="locator" />
    <presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_FairValueMeasurementsOfFinancialInstrumentsLineItems_B520390DDE5E20CA1DF8F9EC7D57581D" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedPremium_A339AEBE045CBFF72A04F9EC7D5827C2" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/FairValueMeasurementsChangeInRedeemableNoncontrollingInterestsDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueDisclosuresAbstract" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_D708198C60D573E28CD0C3030421A2EC" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_MovementInMinorityInterestRollForward" xlink:label="loc_us-gaap_MovementInMinorityInterestRollForward_9BB03BE5586CF25E439BC3030421FA1D" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_D708198C60D573E28CD0C3030421A2EC" xlink:to="loc_us-gaap_MovementInMinorityInterestRollForward_9BB03BE5586CF25E439BC3030421FA1D" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount" xlink:label="loc_us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount_F9032420BD1302CF6BEAC30304213B35" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MovementInMinorityInterestRollForward_9BB03BE5586CF25E439BC3030421FA1D" xlink:to="loc_us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount_F9032420BD1302CF6BEAC30304213B35" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_RedeemableNoncontrollingInterestIncreaseFromBusinessCombination" xlink:label="loc_ecpg_RedeemableNoncontrollingInterestIncreaseFromBusinessCombination_410B26D7C6C9AC71ACE0C303042128B1" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MovementInMinorityInterestRollForward_9BB03BE5586CF25E439BC3030421FA1D" xlink:to="loc_ecpg_RedeemableNoncontrollingInterestIncreaseFromBusinessCombination_410B26D7C6C9AC71ACE0C303042128B1" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetIncomeLossAttributableToRedeemableNoncontrollingInterest" xlink:label="loc_us-gaap_NetIncomeLossAttributableToRedeemableNoncontrollingInterest_C969341BF8AA59B4C11AC30304216548" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MovementInMinorityInterestRollForward_9BB03BE5586CF25E439BC3030421FA1D" xlink:to="loc_us-gaap_NetIncomeLossAttributableToRedeemableNoncontrollingInterest_C969341BF8AA59B4C11AC30304216548" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_MinorityInterestChangeInRedemptionValue" xlink:label="loc_us-gaap_MinorityInterestChangeInRedemptionValue_E2DF6ABECC4C04C5B962C30304218F62" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MovementInMinorityInterestRollForward_9BB03BE5586CF25E439BC3030421FA1D" xlink:to="loc_us-gaap_MinorityInterestChangeInRedemptionValue_E2DF6ABECC4C04C5B962C30304218F62" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_NoncontrollingInterestForeignCurrencyTransactionandTranslationAdjustment" xlink:label="loc_ecpg_NoncontrollingInterestForeignCurrencyTransactionandTranslationAdjustment_F87580FDB67CBBFBB2F5C3030421F52D" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MovementInMinorityInterestRollForward_9BB03BE5586CF25E439BC3030421FA1D" xlink:to="loc_ecpg_NoncontrollingInterestForeignCurrencyTransactionandTranslationAdjustment_F87580FDB67CBBFBB2F5C3030421F52D" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount" xlink:label="loc_us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount_01A9115FE3066A66F5E1C3030421BF60" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MovementInMinorityInterestRollForward_9BB03BE5586CF25E439BC3030421FA1D" xlink:to="loc_us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount_01A9115FE3066A66F5E1C3030421BF60" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/FairValueMeasurementsSummaryOfFinancialAssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueDisclosuresAbstract" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_ABC673761000F205013BE4AAF3EFD724" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_4D06474D404B1CD8CABEE4AAF3EF9A1C" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_ABC673761000F205013BE4AAF3EFD724" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_4D06474D404B1CD8CABEE4AAF3EF9A1C" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_C2C1E608192E20779773E4AAF3EF536B" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_4D06474D404B1CD8CABEE4AAF3EF9A1C" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_C2C1E608192E20779773E4AAF3EF536B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_442E3AB6065FC879E131E4AAF3EF0073" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_C2C1E608192E20779773E4AAF3EF536B" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_442E3AB6065FC879E131E4AAF3EF0073" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueMeasurementsRecurringMember" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember_00241A52E2AC5D6C640DE4AAF3EF8BD6" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_442E3AB6065FC879E131E4AAF3EF0073" xlink:to="loc_us-gaap_FairValueMeasurementsRecurringMember_00241A52E2AC5D6C640DE4AAF3EF8BD6" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_F0C2775A655E86283DADE4AAF3EF49FE" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_4D06474D404B1CD8CABEE4AAF3EF9A1C" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_F0C2775A655E86283DADE4AAF3EF49FE" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_91F90DCE04E825B3BD92E4AAF3EFB1FD" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_F0C2775A655E86283DADE4AAF3EF49FE" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_91F90DCE04E825B3BD92E4AAF3EFB1FD" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_21BCD69072068EDB1268E4AAF3EF3EF7" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_91F90DCE04E825B3BD92E4AAF3EFB1FD" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_21BCD69072068EDB1268E4AAF3EF3EF7" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_60E07C3D18650725E4C6E4AAF3EF3324" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_91F90DCE04E825B3BD92E4AAF3EFB1FD" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_60E07C3D18650725E4C6E4AAF3EF3324" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_560C55715F7658BCF078E4AAF3EFF569" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_91F90DCE04E825B3BD92E4AAF3EFB1FD" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_560C55715F7658BCF078E4AAF3EFF569" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeInstrumentRiskAxis" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_B1B482089BE0A47B4833E4AAF3EFA5EB" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_4D06474D404B1CD8CABEE4AAF3EF9A1C" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_B1B482089BE0A47B4833E4AAF3EFA5EB" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DerivativeContractTypeDomain" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_5FF451A9B9CD0DABAEBBE4AAF3EF82FD" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_B1B482089BE0A47B4833E4AAF3EFA5EB" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_5FF451A9B9CD0DABAEBBE4AAF3EF82FD" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ForeignExchangeContractMember" xlink:label="loc_us-gaap_ForeignExchangeContractMember_08D56C682A10E69E7702E4AAF3EF2265" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_5FF451A9B9CD0DABAEBBE4AAF3EF82FD" xlink:to="loc_us-gaap_ForeignExchangeContractMember_08D56C682A10E69E7702E4AAF3EF2265" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BalanceSheetLocationAxis" xlink:label="loc_us-gaap_BalanceSheetLocationAxis_DF7403C94E39A558C296E4AAF3EF29AD" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_4D06474D404B1CD8CABEE4AAF3EF9A1C" xlink:to="loc_us-gaap_BalanceSheetLocationAxis_DF7403C94E39A558C296E4AAF3EF29AD" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BalanceSheetLocationDomain" xlink:label="loc_us-gaap_BalanceSheetLocationDomain_1106E7D6063B7CF0454EE4AAF3EFBA11" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BalanceSheetLocationAxis_DF7403C94E39A558C296E4AAF3EF29AD" xlink:to="loc_us-gaap_BalanceSheetLocationDomain_1106E7D6063B7CF0454EE4AAF3EFBA11" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherAssetsMember" xlink:label="loc_us-gaap_OtherAssetsMember_B2F120242E82493E3966E4AAF3EF7DF2" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BalanceSheetLocationDomain_1106E7D6063B7CF0454EE4AAF3EFBA11" xlink:to="loc_us-gaap_OtherAssetsMember_B2F120242E82493E3966E4AAF3EF7DF2" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherLiabilitiesMember" xlink:label="loc_us-gaap_OtherLiabilitiesMember_7865B8BABF3ECF98CCA3E4AAF3EF0E4E" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BalanceSheetLocationDomain_1106E7D6063B7CF0454EE4AAF3EFBA11" xlink:to="loc_us-gaap_OtherLiabilitiesMember_7865B8BABF3ECF98CCA3E4AAF3EF0E4E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_4CD1A6C874A47F10421FE4AAF3EF7E2E" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_4D06474D404B1CD8CABEE4AAF3EF9A1C" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_4CD1A6C874A47F10421FE4AAF3EF7E2E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="loc_us-gaap_AssetsAbstract_DD68FE850A43B7A3C412E4AAF3EF5D3A" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_4CD1A6C874A47F10421FE4AAF3EF7E2E" xlink:to="loc_us-gaap_AssetsAbstract_DD68FE850A43B7A3C412E4AAF3EF5D3A" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ForeignCurrencyContractAssetFairValueDisclosure" xlink:label="loc_us-gaap_ForeignCurrencyContractAssetFairValueDisclosure_CB2F7449B0AF9B8418FAE4AAF3EFD129" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_DD68FE850A43B7A3C412E4AAF3EF5D3A" xlink:to="loc_us-gaap_ForeignCurrencyContractAssetFairValueDisclosure_CB2F7449B0AF9B8418FAE4AAF3EFD129" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="loc_us-gaap_LiabilitiesAbstract_2815CA9E26B17F0E683CE4AAF3EF0D0B" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_4CD1A6C874A47F10421FE4AAF3EF7E2E" xlink:to="loc_us-gaap_LiabilitiesAbstract_2815CA9E26B17F0E683CE4AAF3EF0D0B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ForeignCurrencyContractsLiabilityFairValueDisclosure" xlink:label="loc_us-gaap_ForeignCurrencyContractsLiabilityFairValueDisclosure_937D29BFB925EE5F71E8E4AAF3EF074E" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAbstract_2815CA9E26B17F0E683CE4AAF3EF0D0B" xlink:to="loc_us-gaap_ForeignCurrencyContractsLiabilityFairValueDisclosure_937D29BFB925EE5F71E8E4AAF3EF074E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_TemporaryEquityAbstract" xlink:label="loc_us-gaap_TemporaryEquityAbstract_72A3AC1E68B7D300AE83E4AAF3EF99B6" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_4CD1A6C874A47F10421FE4AAF3EF7E2E" xlink:to="loc_us-gaap_TemporaryEquityAbstract_72A3AC1E68B7D300AE83E4AAF3EF99B6" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RedeemableNoncontrollingInterestEquityFairValue" xlink:label="loc_us-gaap_RedeemableNoncontrollingInterestEquityFairValue_96EEE185794A6EE01E12E4AAF3EF0A23" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TemporaryEquityAbstract_72A3AC1E68B7D300AE83E4AAF3EF99B6" xlink:to="loc_us-gaap_RedeemableNoncontrollingInterestEquityFairValue_96EEE185794A6EE01E12E4AAF3EF0A23" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/FairValueMeasurementsTables" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueDisclosuresAbstract" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_68F4F342101E4CD4520DE4AAF4859385" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_A1551A302508A27A3EACE4AAF485C73E" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_68F4F342101E4CD4520DE4AAF4859385" xlink:to="loc_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_A1551A302508A27A3EACE4AAF485C73E" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_RedeemableNoncontrollingInterestRollforwardTableTextBlock" xlink:label="loc_ecpg_RedeemableNoncontrollingInterestRollforwardTableTextBlock_703F25BEEEEFFE59CB71E4AAF485139E" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_68F4F342101E4CD4520DE4AAF4859385" xlink:to="loc_ecpg_RedeemableNoncontrollingInterestRollforwardTableTextBlock_703F25BEEEEFFE59CB71E4AAF485139E" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/GoodwillAndIdentifiableIntangibleAssets" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_7A5FAB2AD0C0F6A91147E4AAF3C70134" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock_6BCE6FAF2A82C049C45AE4AAF3C750ED" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_7A5FAB2AD0C0F6A91147E4AAF3C70134" xlink:to="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock_6BCE6FAF2A82C049C45AE4AAF3C750ED" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/GoodwillAndIdentifiableIntangibleAssetsScheduleOfReportableSegmentsByReportingUnitsDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_F1099E6AC9360CAD98F3F517F404941C" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfGoodwillTable" xlink:label="loc_us-gaap_ScheduleOfGoodwillTable_91DB6E2E5DE432F4F1E6F517F4049657" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_F1099E6AC9360CAD98F3F517F404941C" xlink:to="loc_us-gaap_ScheduleOfGoodwillTable_91DB6E2E5DE432F4F1E6F517F4049657" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="loc_us-gaap_StatementBusinessSegmentsAxis_4C4326A49B80A29994F7F517F4049F78" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfGoodwillTable_91DB6E2E5DE432F4F1E6F517F4049657" xlink:to="loc_us-gaap_StatementBusinessSegmentsAxis_4C4326A49B80A29994F7F517F4049F78" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SegmentDomain" xlink:label="loc_us-gaap_SegmentDomain_3EA8666C5BE3CCB97EF0F517F4057821" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementBusinessSegmentsAxis_4C4326A49B80A29994F7F517F4049F78" xlink:to="loc_us-gaap_SegmentDomain_3EA8666C5BE3CCB97EF0F517F4057821" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_PortfolioPurchasingAndRecoveryMember" xlink:label="loc_ecpg_PortfolioPurchasingAndRecoveryMember_D8884B9BCE91C4F90C5DF517F405D044" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_3EA8666C5BE3CCB97EF0F517F4057821" xlink:to="loc_ecpg_PortfolioPurchasingAndRecoveryMember_D8884B9BCE91C4F90C5DF517F405D044" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_TaxLienBusinessMember" xlink:label="loc_ecpg_TaxLienBusinessMember_FF6CE9BB75C39E910D3BF517F405177F" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_3EA8666C5BE3CCB97EF0F517F4057821" xlink:to="loc_ecpg_TaxLienBusinessMember_FF6CE9BB75C39E910D3BF517F405177F" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessAcquisitionAxis" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_E38D8460B329E1BD5809F517F405C7EA" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfGoodwillTable_91DB6E2E5DE432F4F1E6F517F4049657" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_E38D8460B329E1BD5809F517F405C7EA" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessAcquisitionAcquireeDomain" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_6B60F12308336F11E6B2F517F405571B" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_E38D8460B329E1BD5809F517F405C7EA" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_6B60F12308336F11E6B2F517F405571B" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_AtlanticCreditandFinanceInc.Member" xlink:label="loc_ecpg_AtlanticCreditandFinanceInc.Member_EB826FE2AC17760A401FF517F405C8B6" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_6B60F12308336F11E6B2F517F405571B" xlink:to="loc_ecpg_AtlanticCreditandFinanceInc.Member_EB826FE2AC17760A401FF517F405C8B6" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_GoodwillLineItems" xlink:label="loc_us-gaap_GoodwillLineItems_65ABA5AD2F813DE1A4D1F517F4053706" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfGoodwillTable_91DB6E2E5DE432F4F1E6F517F4049657" xlink:to="loc_us-gaap_GoodwillLineItems_65ABA5AD2F813DE1A4D1F517F4053706" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_GoodwillRollForward" xlink:label="loc_us-gaap_GoodwillRollForward_17D6A591D352F957B86DF517F4055530" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillLineItems_65ABA5AD2F813DE1A4D1F517F4053706" xlink:to="loc_us-gaap_GoodwillRollForward_17D6A591D352F957B86DF517F4055530" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_Goodwill" xlink:label="loc_us-gaap_Goodwill_A1B6051B69D92F627F25F517F4056553" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillRollForward_17D6A591D352F957B86DF517F4055530" xlink:to="loc_us-gaap_Goodwill_A1B6051B69D92F627F25F517F4056553" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_GoodwillAcquiredDuringPeriod" xlink:label="loc_us-gaap_GoodwillAcquiredDuringPeriod_B80E28848BC05E887F9EF5320CDA5EED" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillRollForward_17D6A591D352F957B86DF517F4055530" xlink:to="loc_us-gaap_GoodwillAcquiredDuringPeriod_B80E28848BC05E887F9EF5320CDA5EED" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_GoodwillPurchaseAccountingAdjustments" xlink:label="loc_us-gaap_GoodwillPurchaseAccountingAdjustments_1596C8230619F733B15DF517F4057D0B" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillRollForward_17D6A591D352F957B86DF517F4055530" xlink:to="loc_us-gaap_GoodwillPurchaseAccountingAdjustments_1596C8230619F733B15DF517F4057D0B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_GoodwillTranslationAdjustments" xlink:label="loc_us-gaap_GoodwillTranslationAdjustments_31AB706FAB06914DC86EF517F4059D56" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillRollForward_17D6A591D352F957B86DF517F4055530" xlink:to="loc_us-gaap_GoodwillTranslationAdjustments_31AB706FAB06914DC86EF517F4059D56" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_Goodwill" xlink:label="loc_us-gaap_Goodwill_F48F994C55B0BCB439ACF517F405DC08" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillRollForward_17D6A591D352F957B86DF517F4055530" xlink:to="loc_us-gaap_Goodwill_F48F994C55B0BCB439ACF517F405DC08" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/GoodwillAndIdentifiableIntangibleAssetsSummaryOfAcquiredIntangibleAssetsDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_6C35D4B42164A954635B98521270DA8F" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_DF2393E5286DC10C305B9852127184E5" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_6C35D4B42164A954635B98521270DA8F" xlink:to="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_DF2393E5286DC10C305B9852127184E5" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_B060BB889F184483864E98521271D841" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_DF2393E5286DC10C305B9852127184E5" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_B060BB889F184483864E98521271D841" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_C83E32619A2989D7C9D098521271F8C7" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_B060BB889F184483864E98521271D841" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_C83E32619A2989D7C9D098521271F8C7" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CustomerRelationshipsMember" xlink:label="loc_us-gaap_CustomerRelationshipsMember_D72F86E53230359872219852127145B7" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_C83E32619A2989D7C9D098521271F8C7" xlink:to="loc_us-gaap_CustomerRelationshipsMember_D72F86E53230359872219852127145B7" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DevelopedTechnologyRightsMember" xlink:label="loc_us-gaap_DevelopedTechnologyRightsMember_A8E231877DCC991F6BFE98521271C84D" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_C83E32619A2989D7C9D098521271F8C7" xlink:to="loc_us-gaap_DevelopedTechnologyRightsMember_A8E231877DCC991F6BFE98521271C84D" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_TradeNameAndOtherMember" xlink:label="loc_ecpg_TradeNameAndOtherMember_3D758C72C761BCAEC40F985212718F81" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_C83E32619A2989D7C9D098521271F8C7" xlink:to="loc_ecpg_TradeNameAndOtherMember_3D758C72C761BCAEC40F985212718F81" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_9D171D45084430507108985212710309" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_DF2393E5286DC10C305B9852127184E5" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_9D171D45084430507108985212710309" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsGross" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsGross_B66C88E6B37E6F00206C98521271CA3E" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_9D171D45084430507108985212710309" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsGross_B66C88E6B37E6F00206C98521271CA3E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_6F02F5260E9713DA6148985212714EA5" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_9D171D45084430507108985212710309" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_6F02F5260E9713DA6148985212714EA5" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsNet" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_8D7239B2C55DE56DAEEA98521271A004" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_9D171D45084430507108985212710309" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsNet_8D7239B2C55DE56DAEEA98521271A004" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill" xlink:label="loc_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill_AD6750C529F72DEFD6D5985212716D5A" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_9D171D45084430507108985212710309" xlink:to="loc_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill_AD6750C529F72DEFD6D5985212716D5A" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IntangibleAssetsGrossExcludingGoodwill" xlink:label="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_2A8F4E6BB5C936BC0EBE98B5184A7453" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_9D171D45084430507108985212710309" xlink:to="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_2A8F4E6BB5C936BC0EBE98B5184A7453" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_67BB82EE30FB8D16E470985212717539" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_9D171D45084430507108985212710309" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_67BB82EE30FB8D16E470985212717539" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/GoodwillAndIdentifiableIntangibleAssetsTables" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_3D608CDFABD3A77756A6E4AAF52567A8" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfGoodwillTextBlock" xlink:label="loc_us-gaap_ScheduleOfGoodwillTextBlock_923C02AFFC50949A2A15E4AAF5255F13" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_3D608CDFABD3A77756A6E4AAF52567A8" xlink:to="loc_us-gaap_ScheduleOfGoodwillTextBlock_923C02AFFC50949A2A15E4AAF5255F13" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfIntangibleAssetsAndGoodwillTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfIntangibleAssetsAndGoodwillTableTextBlock_C57DBE7D5A3C1D512DBFE4AAF525DB92" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_3D608CDFABD3A77756A6E4AAF52567A8" xlink:to="loc_us-gaap_ScheduleOfIntangibleAssetsAndGoodwillTableTextBlock_C57DBE7D5A3C1D512DBFE4AAF525DB92" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/IncomeTaxes" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_1F4444C83646786A1D67E4AAF52591E0" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncomeTaxDisclosureTextBlock" xlink:label="loc_us-gaap_IncomeTaxDisclosureTextBlock_B86F41977ADECDD1073FE4AAF52552B0" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_1F4444C83646786A1D67E4AAF52591E0" xlink:to="loc_us-gaap_IncomeTaxDisclosureTextBlock_B86F41977ADECDD1073FE4AAF52552B0" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/IncomeTaxesAdditionalInformationDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_776BD11ACB3AA5DB3AEF98521296F0F9" xlink:type="locator" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_IncomeTaxesTable" xlink:label="loc_ecpg_IncomeTaxesTable_5CFF41AA9C26D25D2BFF98521296992D" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_776BD11ACB3AA5DB3AEF98521296F0F9" xlink:to="loc_ecpg_IncomeTaxesTable_5CFF41AA9C26D25D2BFF98521296992D" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementGeographicalAxis" xlink:label="loc_us-gaap_StatementGeographicalAxis_4B2F87F1C93BFB50E1C598521296434E" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_IncomeTaxesTable_5CFF41AA9C26D25D2BFF98521296992D" xlink:to="loc_us-gaap_StatementGeographicalAxis_4B2F87F1C93BFB50E1C598521296434E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SegmentGeographicalDomain" xlink:label="loc_us-gaap_SegmentGeographicalDomain_E890E9E796634453965F98521296A953" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementGeographicalAxis_4B2F87F1C93BFB50E1C598521296434E" xlink:to="loc_us-gaap_SegmentGeographicalDomain_E890E9E796634453965F98521296A953" xlink:type="arc" />
    <loc xlink:href="http://xbrl.sec.gov/country/2013/country-2013-01-31.xsd#country_CR" xlink:label="loc_country_CR_CF2B10B72700E8217607985212966ECE" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentGeographicalDomain_E890E9E796634453965F98521296A953" xlink:to="loc_country_CR_CF2B10B72700E8217607985212966ECE" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncomeTaxAuthorityAxis" xlink:label="loc_us-gaap_IncomeTaxAuthorityAxis_1607693D5CD5D4EBEFF6985212967294" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_IncomeTaxesTable_5CFF41AA9C26D25D2BFF98521296992D" xlink:to="loc_us-gaap_IncomeTaxAuthorityAxis_1607693D5CD5D4EBEFF6985212967294" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncomeTaxAuthorityDomain" xlink:label="loc_us-gaap_IncomeTaxAuthorityDomain_BFC033D39479AF600EB398521296ECD3" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxAuthorityAxis_1607693D5CD5D4EBEFF6985212967294" xlink:to="loc_us-gaap_IncomeTaxAuthorityDomain_BFC033D39479AF600EB398521296ECD3" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_TaxHolidayThroughDecemberThirtyFirstAndTwoThousandEighteenMember" xlink:label="loc_ecpg_TaxHolidayThroughDecemberThirtyFirstAndTwoThousandEighteenMember_34BC4361FF03CE866696985212970C68" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxAuthorityDomain_BFC033D39479AF600EB398521296ECD3" xlink:to="loc_ecpg_TaxHolidayThroughDecemberThirtyFirstAndTwoThousandEighteenMember_34BC4361FF03CE866696985212970C68" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_SubsequentFourYearsFromDecemberThirtyFirstAndTwoThousandEighteenMember" xlink:label="loc_ecpg_SubsequentFourYearsFromDecemberThirtyFirstAndTwoThousandEighteenMember_EAB5D5CBC3DB2317E563985212978EA6" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxAuthorityDomain_BFC033D39479AF600EB398521296ECD3" xlink:to="loc_ecpg_SubsequentFourYearsFromDecemberThirtyFirstAndTwoThousandEighteenMember_EAB5D5CBC3DB2317E563985212978EA6" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAxis" xlink:label="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAxis_62A37BE6C44EFE1442C49852129772AA" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_IncomeTaxesTable_5CFF41AA9C26D25D2BFF98521296992D" xlink:to="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAxis_62A37BE6C44EFE1442C49852129772AA" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsDomain" xlink:label="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsDomain_6BEC28041D5C91D359AC98521297CA8A" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAxis_62A37BE6C44EFE1442C49852129772AA" xlink:to="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsDomain_6BEC28041D5C91D359AC98521297CA8A" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_OtherBusinessCombinationsMember" xlink:label="loc_ecpg_OtherBusinessCombinationsMember_98EADD5692560D4A358E9852129710B0" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsDomain_6BEC28041D5C91D359AC98521297CA8A" xlink:to="loc_ecpg_OtherBusinessCombinationsMember_98EADD5692560D4A358E9852129710B0" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_IncomeTaxesLineItems" xlink:label="loc_ecpg_IncomeTaxesLineItems_5BEFF24D8140D742038A985212972992" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_IncomeTaxesTable_5CFF41AA9C26D25D2BFF98521296992D" xlink:to="loc_ecpg_IncomeTaxesLineItems_5BEFF24D8140D742038A985212972992" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_11A6C7AA387680D278D398521297D4EE" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_IncomeTaxesLineItems_5BEFF24D8140D742038A985212972992" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_11A6C7AA387680D278D398521297D4EE" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationTaxHolidays" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationTaxHolidays_A01C32BF8AF6158D7EC498521297355A" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_IncomeTaxesLineItems_5BEFF24D8140D742038A985212972992" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationTaxHolidays_A01C32BF8AF6158D7EC498521297355A" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_IncomeTaxHolidayTerm" xlink:label="loc_ecpg_IncomeTaxHolidayTerm_7B020881541F6377F80698521297794F" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_IncomeTaxesLineItems_5BEFF24D8140D742038A985212972992" xlink:to="loc_ecpg_IncomeTaxHolidayTerm_7B020881541F6377F80698521297794F" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_UnrecognizedTaxBenefits" xlink:label="loc_us-gaap_UnrecognizedTaxBenefits_FECFA023EDA27F2ECBB6985212979809" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_IncomeTaxesLineItems_5BEFF24D8140D742038A985212972992" xlink:to="loc_us-gaap_UnrecognizedTaxBenefits_FECFA023EDA27F2ECBB6985212979809" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate_0FB6EA846E6B6945C4F5985212975498" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_IncomeTaxesLineItems_5BEFF24D8140D742038A985212972992" xlink:to="loc_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate_0FB6EA846E6B6945C4F5985212975498" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromAcquisition" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromAcquisition_77D2177EE2857FC08FA3985212978CE3" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_IncomeTaxesLineItems_5BEFF24D8140D742038A985212972992" xlink:to="loc_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromAcquisition_77D2177EE2857FC08FA3985212978CE3" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_UndistributedEarnings" xlink:label="loc_us-gaap_UndistributedEarnings_B7BC0364F502E41EF48E98521297FF39" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_IncomeTaxesLineItems_5BEFF24D8140D742038A985212972992" xlink:to="loc_us-gaap_UndistributedEarnings_B7BC0364F502E41EF48E98521297FF39" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/IncomeTaxesScheduleOfEffectiveTaxRatesDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_818C40D8C7DC7D9726BCE4F32322108B" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_BA83D00818EB0A902BD5E4F3232203CE" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_818C40D8C7DC7D9726BCE4F32322108B" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_BA83D00818EB0A902BD5E4F3232203CE" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_40EA19563E7FCAC10069E4F32322577C" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_818C40D8C7DC7D9726BCE4F32322108B" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_40EA19563E7FCAC10069E4F32322577C" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_BenefitForStateTaxes" xlink:label="loc_ecpg_BenefitForStateTaxes_4882A736328BD4188555E4F3232234D7" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_818C40D8C7DC7D9726BCE4F32322108B" xlink:to="loc_ecpg_BenefitForStateTaxes_4882A736328BD4188555E4F3232234D7" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRateDifferential" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRateDifferential_25CA1CDCD209BB431A99E4F323239D12" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_818C40D8C7DC7D9726BCE4F32322108B" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRateDifferential_25CA1CDCD209BB431A99E4F323239D12" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpense" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpense_2399F34A5CF13411933FE4F323234470" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_818C40D8C7DC7D9726BCE4F32322108B" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpense_2399F34A5CF13411933FE4F323234470" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationOtherReconcilingItemsPercent" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationOtherReconcilingItemsPercent_76F6E683F7E801428863E4F32323B2AE" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_818C40D8C7DC7D9726BCE4F32322108B" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationOtherReconcilingItemsPercent_76F6E683F7E801428863E4F32323B2AE" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_BBC051C6942F5B9AFCB4E4F32323F2F8" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_818C40D8C7DC7D9726BCE4F32322108B" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_BBC051C6942F5B9AFCB4E4F32323F2F8" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/IncomeTaxesTables" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_3E576A051AB9E1E90616E4AAF4A318B5" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_F3BE79945AD7DA039656E4AAF4A3FBAD" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_3E576A051AB9E1E90616E4AAF4A318B5" xlink:to="loc_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_F3BE79945AD7DA039656E4AAF4A3FBAD" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/InvestmentInReceivablePortfoliosNet" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="loc_us-gaap_ReceivablesAbstract_AB45D5CC79F15C3BC223E4AAF4D53237" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:label="loc_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_859BA556EA45F28DCA00E4AAF4D5FB81" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_AB45D5CC79F15C3BC223E4AAF4D53237" xlink:to="loc_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_859BA556EA45F28DCA00E4AAF4D5FB81" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/InvestmentInReceivablePortfoliosNetAdditionalInformationDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="loc_us-gaap_ReceivablesAbstract_75B182F2BD659BA85806FEF3188D2B1A" xlink:type="locator" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetTable" xlink:label="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetTable_1F87241611369FEFF701FEF3188D6D2D" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_75B182F2BD659BA85806FEF3188D2B1A" xlink:to="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetTable_1F87241611369FEFF701FEF3188D6D2D" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RangeAxis" xlink:label="loc_us-gaap_RangeAxis_4A2CB0673A167C0CD9D1FEF3188D4A59" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetTable_1F87241611369FEFF701FEF3188D6D2D" xlink:to="loc_us-gaap_RangeAxis_4A2CB0673A167C0CD9D1FEF3188D4A59" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RangeMember" xlink:label="loc_us-gaap_RangeMember_6DF768AC27965AD5E1F7FEF3188EE020" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RangeAxis_4A2CB0673A167C0CD9D1FEF3188D4A59" xlink:to="loc_us-gaap_RangeMember_6DF768AC27965AD5E1F7FEF3188EE020" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_MinimumMember" xlink:label="loc_us-gaap_MinimumMember_CE25BB791BC4ACC03624FEF3188EFEE5" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RangeMember_6DF768AC27965AD5E1F7FEF3188EE020" xlink:to="loc_us-gaap_MinimumMember_CE25BB791BC4ACC03624FEF3188EFEE5" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_MaximumMember" xlink:label="loc_us-gaap_MaximumMember_B2BDB91F23E627F4BA84FEF3188EE3EB" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RangeMember_6DF768AC27965AD5E1F7FEF3188EE020" xlink:to="loc_us-gaap_MaximumMember_B2BDB91F23E627F4BA84FEF3188EE3EB" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAxis" xlink:label="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAxis_638C122D1CDD049F0C79FEF3188E8919" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetTable_1F87241611369FEFF701FEF3188D6D2D" xlink:to="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAxis_638C122D1CDD049F0C79FEF3188E8919" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsDomain" xlink:label="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsDomain_5C8E89E418B85F8E8748FEF3188ED3D4" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAxis_638C122D1CDD049F0C79FEF3188E8919" xlink:to="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsDomain_5C8E89E418B85F8E8748FEF3188ED3D4" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_HillesdenSecuritiesLtddlcMember" xlink:label="loc_ecpg_HillesdenSecuritiesLtddlcMember_89D5B4356F810EF486FAFEF3188E5DB1" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsDomain_5C8E89E418B85F8E8748FEF3188ED3D4" xlink:to="loc_ecpg_HillesdenSecuritiesLtddlcMember_89D5B4356F810EF486FAFEF3188E5DB1" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_MarlinMember" xlink:label="loc_ecpg_MarlinMember_E15E2FA42CEE94D75F2CFEF3188EF103" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsDomain_5C8E89E418B85F8E8748FEF3188ED3D4" xlink:to="loc_ecpg_MarlinMember_E15E2FA42CEE94D75F2CFEF3188EF103" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_A37C220ABE4F026D66F3FEF3188E8638" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetTable_1F87241611369FEFF701FEF3188D6D2D" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_A37C220ABE4F026D66F3FEF3188E8638" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_EC81CE7AF2CC7E3CF073FEF3188E9C7D" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_A37C220ABE4F026D66F3FEF3188E8638" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_EC81CE7AF2CC7E3CF073FEF3188E9C7D" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_AccrualBasisPortfoliosMember" xlink:label="loc_ecpg_AccrualBasisPortfoliosMember_B4C5BD0F2F0E85CA7AF5FEF3188E5D66" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_EC81CE7AF2CC7E3CF073FEF3188E9C7D" xlink:to="loc_ecpg_AccrualBasisPortfoliosMember_B4C5BD0F2F0E85CA7AF5FEF3188E5D66" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_EstimateOfZeroBasisCashFlowsMember" xlink:label="loc_ecpg_EstimateOfZeroBasisCashFlowsMember_3FED62C71149BA979A60FEF3188E90B8" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_EC81CE7AF2CC7E3CF073FEF3188E9C7D" xlink:to="loc_ecpg_EstimateOfZeroBasisCashFlowsMember_3FED62C71149BA979A60FEF3188E90B8" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetLineItems" xlink:label="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetLineItems_B86E3DB46960FB9567A8FEF3188E815C" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetTable_1F87241611369FEFF701FEF3188D6D2D" xlink:to="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetLineItems_B86E3DB46960FB9567A8FEF3188E815C" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsReceivables" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsReceivables_BF064BC6452287EAA7E3FEF3188E0DA0" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetLineItems_B86E3DB46960FB9567A8FEF3188E815C" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsReceivables_BF064BC6452287EAA7E3FEF3188E0DA0" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetCollectionForecastEstimatedPeriod" xlink:label="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetCollectionForecastEstimatedPeriod_5C006BEDEB113E2026A1FEF3188EFE64" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetLineItems_B86E3DB46960FB9567A8FEF3188E815C" xlink:to="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetCollectionForecastEstimatedPeriod_5C006BEDEB113E2026A1FEF3188EFE64" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_IncomeRecognizedUnderCostRecoveryMethod" xlink:label="loc_ecpg_IncomeRecognizedUnderCostRecoveryMethod_E38B08C2876D454E3C95FEF3188F4211" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetLineItems_B86E3DB46960FB9567A8FEF3188E815C" xlink:to="loc_ecpg_IncomeRecognizedUnderCostRecoveryMethod_E38B08C2876D454E3C95FEF3188F4211" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesPurchasesOfReceivablePortfolios" xlink:label="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesPurchasesOfReceivablePortfolios_B52F5BCFFDDC717BEC97FEF3188F0F98" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetLineItems_B86E3DB46960FB9567A8FEF3188E815C" xlink:to="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesPurchasesOfReceivablePortfolios_B52F5BCFFDDC717BEC97FEF3188F0F98" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_FaceValueOfReceivablePortfolios" xlink:label="loc_ecpg_FaceValueOfReceivablePortfolios_B5F6B171D4C586ADF254FEF3188FBDB6" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetLineItems_B86E3DB46960FB9567A8FEF3188E815C" xlink:to="loc_ecpg_FaceValueOfReceivablePortfolios_B5F6B171D4C586ADF254FEF3188FBDB6" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_ReceivablePortfoliosPercentageOfFaceValueOnPurchaseCost" xlink:label="loc_ecpg_ReceivablePortfoliosPercentageOfFaceValueOnPurchaseCost_410307CB3F8028119868FEF3188FCAE8" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetLineItems_B86E3DB46960FB9567A8FEF3188E815C" xlink:to="loc_ecpg_ReceivablePortfoliosPercentageOfFaceValueOnPurchaseCost_410307CB3F8028119868FEF3188FCAE8" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_EstimatedFutureCollectionsAtAcquisitionForReceivablePortfolios" xlink:label="loc_ecpg_EstimatedFutureCollectionsAtAcquisitionForReceivablePortfolios_5290EABA2293CE6FB4D2FEF3188F5860" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetLineItems_B86E3DB46960FB9567A8FEF3188E815C" xlink:to="loc_ecpg_EstimatedFutureCollectionsAtAcquisitionForReceivablePortfolios_5290EABA2293CE6FB4D2FEF3188F5860" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion" xlink:label="loc_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion_ABE24F8C60CC526D655CFEF3188FB36A" xlink:type="locator" />
    <presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetLineItems_B86E3DB46960FB9567A8FEF3188E815C" xlink:to="loc_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion_ABE24F8C60CC526D655CFEF3188FB36A" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/InvestmentInReceivablePortfoliosNetSummaryOfAccretableYieldAndEstimateOfZeroBasisFutureCashFlowsDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="loc_us-gaap_ReceivablesAbstract_A755897A4AEB72A90787F913A48CBDF4" xlink:type="locator" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetTable" xlink:label="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetTable_FD967EDD442306187AEBF913A48D936A" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_A755897A4AEB72A90787F913A48CBDF4" xlink:to="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetTable_FD967EDD442306187AEBF913A48D936A" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_6F12EF94F588A051E1B9F913A48DA80F" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetTable_FD967EDD442306187AEBF913A48D936A" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_6F12EF94F588A051E1B9F913A48DA80F" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4FDE86493DE8EAD7311FF913A48D076D" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_6F12EF94F588A051E1B9F913A48DA80F" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4FDE86493DE8EAD7311FF913A48D076D" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_AccretableYieldMember" xlink:label="loc_ecpg_AccretableYieldMember_120E88EC472DCC45A7F9F913A48D735A" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4FDE86493DE8EAD7311FF913A48D076D" xlink:to="loc_ecpg_AccretableYieldMember_120E88EC472DCC45A7F9F913A48D735A" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_EstimateOfZeroBasisCashFlowsMember" xlink:label="loc_ecpg_EstimateOfZeroBasisCashFlowsMember_153A552B617CC86B2D32F913A48D2BEB" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4FDE86493DE8EAD7311FF913A48D076D" xlink:to="loc_ecpg_EstimateOfZeroBasisCashFlowsMember_153A552B617CC86B2D32F913A48D2BEB" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetLineItems" xlink:label="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetLineItems_083343580A6CD71A2D86F913A48D0412" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetTable_FD967EDD442306187AEBF913A48D936A" xlink:to="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetLineItems_083343580A6CD71A2D86F913A48D0412" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_InvestmentinReceivablesPortfolioRollForward" xlink:label="loc_ecpg_InvestmentinReceivablesPortfolioRollForward_9973B2B80655C37DD7A8F913A48DD1C2" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetLineItems_083343580A6CD71A2D86F913A48D0412" xlink:to="loc_ecpg_InvestmentinReceivablesPortfolioRollForward_9973B2B80655C37DD7A8F913A48DD1C2" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield" xlink:label="loc_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield_6E9AC2B9860FC91CBB69F913A48D3E08" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_InvestmentinReceivablesPortfolioRollForward_9973B2B80655C37DD7A8F913A48DD1C2" xlink:to="loc_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield_6E9AC2B9860FC91CBB69F913A48D3E08" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion" xlink:label="loc_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion_903DF60F324F4BC77B09F913A48DE75D" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_InvestmentinReceivablesPortfolioRollForward_9973B2B80655C37DD7A8F913A48DD1C2" xlink:to="loc_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion_903DF60F324F4BC77B09F913A48DE75D" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNetAdditionsToExistingPortfoliosAccretableYield" xlink:label="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNetAdditionsToExistingPortfoliosAccretableYield_384183983E620A18A0CAF913A48DB0EE" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_InvestmentinReceivablesPortfolioRollForward_9973B2B80655C37DD7A8F913A48DD1C2" xlink:to="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesNetAdditionsToExistingPortfoliosAccretableYield_384183983E620A18A0CAF913A48DB0EE" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAdditionsForCurrentPurchasesAccretableYield" xlink:label="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAdditionsForCurrentPurchasesAccretableYield_460F48544A26E0252362F913A48D66BA" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_InvestmentinReceivablesPortfolioRollForward_9973B2B80655C37DD7A8F913A48DD1C2" xlink:to="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAdditionsForCurrentPurchasesAccretableYield_460F48544A26E0252362F913A48D66BA" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield" xlink:label="loc_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield_8250A11978A598593DF9F913A48D0A9D" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_InvestmentinReceivablesPortfolioRollForward_9973B2B80655C37DD7A8F913A48DD1C2" xlink:to="loc_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield_8250A11978A598593DF9F913A48D0A9D" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/InvestmentInReceivablePortfoliosNetSummaryOfChangeInValuationAllowanceForInvestmentInReceivablePortfoliosDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="loc_us-gaap_ReceivablesAbstract_B505A3D5CE7D861D9152E4AAF4E9DF67" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_14164FE88344B55092BDE4AAF4E9B7DF" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_B505A3D5CE7D861D9152E4AAF4E9DF67" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_14164FE88344B55092BDE4AAF4E9B7DF" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAllowanceForLoanLosses" xlink:label="loc_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAllowanceForLoanLosses_F7DC00274491F5FF4BAAE4AAF4E956FB" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_14164FE88344B55092BDE4AAF4E9B7DF" xlink:to="loc_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAllowanceForLoanLosses_F7DC00274491F5FF4BAAE4AAF4E956FB" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAllowanceForLoanLossesDecreases1" xlink:label="loc_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAllowanceForLoanLossesDecreases1_79F1D62B13B83BD0A092E4AAF4E9864B" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_14164FE88344B55092BDE4AAF4E9B7DF" xlink:to="loc_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAllowanceForLoanLossesDecreases1_79F1D62B13B83BD0A092E4AAF4E9864B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAllowanceForLoanLosses" xlink:label="loc_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAllowanceForLoanLosses_DF5B6FB64BDB3ADF6499E4AAF4E9ED24" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_14164FE88344B55092BDE4AAF4E9B7DF" xlink:to="loc_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAllowanceForLoanLosses_DF5B6FB64BDB3ADF6499E4AAF4E9ED24" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/InvestmentInReceivablePortfoliosNetSummaryOfChangesInBalanceOfInvestmentInReceivablePortfoliosDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="loc_us-gaap_ReceivablesAbstract_447E9B17E95E44C35F59F9EC7D33265C" xlink:type="locator" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetTable" xlink:label="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetTable_F14351C2EF8E259F76B3F9EC7D33AC1E" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_447E9B17E95E44C35F59F9EC7D33265C" xlink:to="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetTable_F14351C2EF8E259F76B3F9EC7D33AC1E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_EDDA354CDD392B005C27F9EC7D33634F" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetTable_F14351C2EF8E259F76B3F9EC7D33AC1E" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_EDDA354CDD392B005C27F9EC7D33634F" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_BB7478D27157BA5009ABF9EC7D33C07F" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_EDDA354CDD392B005C27F9EC7D33634F" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_BB7478D27157BA5009ABF9EC7D33C07F" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_AccrualBasisPortfoliosMember" xlink:label="loc_ecpg_AccrualBasisPortfoliosMember_437CC64A2F155B16A0AFF9EC7D331391" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_BB7478D27157BA5009ABF9EC7D33C07F" xlink:to="loc_ecpg_AccrualBasisPortfoliosMember_437CC64A2F155B16A0AFF9EC7D331391" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CostRecoveryPortfoliosMember" xlink:label="loc_ecpg_CostRecoveryPortfoliosMember_ACC630F2E316C6A925FAF9EC7D338D22" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_BB7478D27157BA5009ABF9EC7D33C07F" xlink:to="loc_ecpg_CostRecoveryPortfoliosMember_ACC630F2E316C6A925FAF9EC7D338D22" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_ZeroBasisPortfoliosMember" xlink:label="loc_ecpg_ZeroBasisPortfoliosMember_BB1A577286BD4307945BF9EC7D33D2FB" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_BB7478D27157BA5009ABF9EC7D33C07F" xlink:to="loc_ecpg_ZeroBasisPortfoliosMember_BB1A577286BD4307945BF9EC7D33D2FB" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAxis" xlink:label="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAxis_79C28AF5005080066CC9F9EC7D349948" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetTable_F14351C2EF8E259F76B3F9EC7D33AC1E" xlink:to="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAxis_79C28AF5005080066CC9F9EC7D349948" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsDomain" xlink:label="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsDomain_B449CF264D5D0139731EF9EC7D348559" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsAxis_79C28AF5005080066CC9F9EC7D349948" xlink:to="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsDomain_B449CF264D5D0139731EF9EC7D348559" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_MarlinMember" xlink:label="loc_ecpg_MarlinMember_170D4360CE0F04834188F9EC7D349FFA" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationSeparatelyRecognizedTransactionsDomain_B449CF264D5D0139731EF9EC7D348559" xlink:to="loc_ecpg_MarlinMember_170D4360CE0F04834188F9EC7D349FFA" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetLineItems" xlink:label="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetLineItems_D43F13A01F913C0C092AF9EC7D34CA8F" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetTable_F14351C2EF8E259F76B3F9EC7D33AC1E" xlink:to="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetLineItems_D43F13A01F913C0C092AF9EC7D34CA8F" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_InvestmentinReceivablesPortfolioRollForward" xlink:label="loc_ecpg_InvestmentinReceivablesPortfolioRollForward_E1B8CA8DBBAC94294772F9EC7D34C231" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNetLineItems_D43F13A01F913C0C092AF9EC7D34CA8F" xlink:to="loc_ecpg_InvestmentinReceivablesPortfolioRollForward_E1B8CA8DBBAC94294772F9EC7D34C231" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet" xlink:label="loc_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet_23BBED7FD9CDD5E09FECF9EC7D34C163" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_InvestmentinReceivablesPortfolioRollForward_E1B8CA8DBBAC94294772F9EC7D34C231" xlink:to="loc_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet_23BBED7FD9CDD5E09FECF9EC7D34C163" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesPurchasesOfReceivablePortfolios" xlink:label="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesPurchasesOfReceivablePortfolios_9E65AACE1369292AB69BF9EC7D34C599" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_InvestmentinReceivablesPortfolioRollForward_E1B8CA8DBBAC94294772F9EC7D34C231" xlink:to="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesPurchasesOfReceivablePortfolios_9E65AACE1369292AB69BF9EC7D34C599" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesTransfersOfReceivablePortfoliosNet" xlink:label="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesTransfersOfReceivablePortfoliosNet_CB6BDDA16226E98AB5D7F9EC7D340CDC" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_InvestmentinReceivablesPortfolioRollForward_E1B8CA8DBBAC94294772F9EC7D34C231" xlink:to="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesTransfersOfReceivablePortfoliosNet_CB6BDDA16226E98AB5D7F9EC7D340CDC" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesGrossCollections" xlink:label="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesGrossCollections_A9FA2402DC79746E8C8DF9EC7D3468B6" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_InvestmentinReceivablesPortfolioRollForward_E1B8CA8DBBAC94294772F9EC7D34C231" xlink:to="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesGrossCollections_A9FA2402DC79746E8C8DF9EC7D3468B6" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesPutBacksAndRecalls" xlink:label="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesPutBacksAndRecalls_E3EE13052D9223FDA9A5F9EC7D3483C9" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_InvestmentinReceivablesPortfolioRollForward_E1B8CA8DBBAC94294772F9EC7D34C231" xlink:to="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesPutBacksAndRecalls_E3EE13052D9223FDA9A5F9EC7D3483C9" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesForeignCurrencyTranslationAdjustment" xlink:label="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesForeignCurrencyTranslationAdjustment_402DD71BCAB4AE6F8A94F9EC7D34150B" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_InvestmentinReceivablesPortfolioRollForward_E1B8CA8DBBAC94294772F9EC7D34C231" xlink:to="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesForeignCurrencyTranslationAdjustment_402DD71BCAB4AE6F8A94F9EC7D34150B" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesRevenueRecognized" xlink:label="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesRevenueRecognized_FA9FCE7889143324DB4CF9EC7D34FE6A" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_InvestmentinReceivablesPortfolioRollForward_E1B8CA8DBBAC94294772F9EC7D34C231" xlink:to="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesRevenueRecognized_FA9FCE7889143324DB4CF9EC7D34FE6A" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesPortfolioAllowancesPortfolioAllowanceReversalsNet" xlink:label="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesPortfolioAllowancesPortfolioAllowanceReversalsNet_72AE9C3FE0611A52C4C5F9EC7D34E627" xlink:type="locator" />
    <presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_InvestmentinReceivablesPortfolioRollForward_E1B8CA8DBBAC94294772F9EC7D34C231" xlink:to="loc_ecpg_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesPortfolioAllowancesPortfolioAllowanceReversalsNet_72AE9C3FE0611A52C4C5F9EC7D34E627" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet" xlink:label="loc_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet_9D61D64715C0EDA0DACDF9EC7D3444C2" xlink:type="locator" />
    <presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_InvestmentinReceivablesPortfolioRollForward_E1B8CA8DBBAC94294772F9EC7D34C231" xlink:to="loc_us-gaap_CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet_9D61D64715C0EDA0DACDF9EC7D3444C2" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_RevenueAsPercentageOfCollections" xlink:label="loc_ecpg_RevenueAsPercentageOfCollections_0FD5452FB949C0856ED4F9EC7D349582" xlink:type="locator" />
    <presentationArc order="10" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_InvestmentinReceivablesPortfolioRollForward_E1B8CA8DBBAC94294772F9EC7D34C231" xlink:to="loc_ecpg_RevenueAsPercentageOfCollections_0FD5452FB949C0856ED4F9EC7D349582" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/InvestmentInReceivablePortfoliosNetTables" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="loc_us-gaap_ReceivablesAbstract_5E9E89315F00122D6E19E4AAF3D1EC3F" xlink:type="locator" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_ScheduleOfAccretableYieldAndEstimateOfZeroBasisFutureCashFlowsTableTextBlock" xlink:label="loc_ecpg_ScheduleOfAccretableYieldAndEstimateOfZeroBasisFutureCashFlowsTableTextBlock_D894DD09CD4D948011CAE4AAF3D117AE" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_5E9E89315F00122D6E19E4AAF3D1EC3F" xlink:to="loc_ecpg_ScheduleOfAccretableYieldAndEstimateOfZeroBasisFutureCashFlowsTableTextBlock_D894DD09CD4D948011CAE4AAF3D117AE" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_ScheduleOfChangesInBalanceOfInvestmentInReceivablePortfoliosTableTextBlock" xlink:label="loc_ecpg_ScheduleOfChangesInBalanceOfInvestmentInReceivablePortfoliosTableTextBlock_6DB0A46505A89A23F67DE4AAF3D162C3" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_5E9E89315F00122D6E19E4AAF3D1EC3F" xlink:to="loc_ecpg_ScheduleOfChangesInBalanceOfInvestmentInReceivablePortfoliosTableTextBlock_6DB0A46505A89A23F67DE4AAF3D162C3" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_ScheduleOfChangeInValuationAllowanceForInvestmentInReceivablePortfolioTableTextBlock" xlink:label="loc_ecpg_ScheduleOfChangeInValuationAllowanceForInvestmentInReceivablePortfolioTableTextBlock_82233883CF0BAE73040AE4AAF3D15C64" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_5E9E89315F00122D6E19E4AAF3D1EC3F" xlink:to="loc_ecpg_ScheduleOfChangeInValuationAllowanceForInvestmentInReceivablePortfolioTableTextBlock_82233883CF0BAE73040AE4AAF3D15C64" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/OtherAssets" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract" xlink:label="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_C66EDFFA707E971A39F7E4AAF55738BC" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherAssetsDisclosureTextBlock" xlink:label="loc_us-gaap_OtherAssetsDisclosureTextBlock_1F0B27EF1DC60950D098E4AAF5578685" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_C66EDFFA707E971A39F7E4AAF55738BC" xlink:to="loc_us-gaap_OtherAssetsDisclosureTextBlock_1F0B27EF1DC60950D098E4AAF5578685" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/OtherAssetsComponentsOfOtherAssetsDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract" xlink:label="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_3C8FE5D176CE9F9EEEFCE4F3237E402F" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DeferredFinanceCostsNet" xlink:label="loc_us-gaap_DeferredFinanceCostsNet_9539E09CBC13CEAA4C8FE4F3237FEC0F" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_3C8FE5D176CE9F9EEEFCE4F3237E402F" xlink:to="loc_us-gaap_DeferredFinanceCostsNet_9539E09CBC13CEAA4C8FE4F3237FEC0F" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_D0C66D5D20434AAD3179E4F3237F30A6" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_3C8FE5D176CE9F9EEEFCE4F3237E402F" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_D0C66D5D20434AAD3179E4F3237F30A6" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PrepaidExpenseCurrentAndNoncurrent" xlink:label="loc_us-gaap_PrepaidExpenseCurrentAndNoncurrent_7D98EE60A3557C6B1C98E4F3237FD73D" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_3C8FE5D176CE9F9EEEFCE4F3237E402F" xlink:to="loc_us-gaap_PrepaidExpenseCurrentAndNoncurrent_7D98EE60A3557C6B1C98E4F3237FD73D" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PrepaidTaxes" xlink:label="loc_us-gaap_PrepaidTaxes_F55FA877E1991C573C05E4F6B0207906" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_3C8FE5D176CE9F9EEEFCE4F3237E402F" xlink:to="loc_us-gaap_PrepaidTaxes_F55FA877E1991C573C05E4F6B0207906" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_InterestReceivable" xlink:label="loc_us-gaap_InterestReceivable_89D473B7F37B9D12611CE4F3237F3479" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_3C8FE5D176CE9F9EEEFCE4F3237E402F" xlink:to="loc_us-gaap_InterestReceivable_89D473B7F37B9D12611CE4F3237F3479" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_ServiceFeeReceivable" xlink:label="loc_ecpg_ServiceFeeReceivable_2BB24051AC11E85A3DE6E4F3237FE1E0" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_3C8FE5D176CE9F9EEEFCE4F3237E402F" xlink:to="loc_ecpg_ServiceFeeReceivable_2BB24051AC11E85A3DE6E4F3237FE1E0" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DeferredTaxAssetsOther" xlink:label="loc_us-gaap_DeferredTaxAssetsOther_9832A682DE2B4C9D4B7AE4F3237F4619" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_3C8FE5D176CE9F9EEEFCE4F3237E402F" xlink:to="loc_us-gaap_DeferredTaxAssetsOther_9832A682DE2B4C9D4B7AE4F3237F4619" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherReceivables" xlink:label="loc_us-gaap_OtherReceivables_CBBF9CBACC1E4EC5869BE4F3237FACCA" xlink:type="locator" />
    <presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_3C8FE5D176CE9F9EEEFCE4F3237E402F" xlink:to="loc_us-gaap_OtherReceivables_CBBF9CBACC1E4EC5869BE4F3237FACCA" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_OtherReceivableDuefromSeller" xlink:label="loc_ecpg_OtherReceivableDuefromSeller_9D99B823391A5D1490BDE4F3237FCB66" xlink:type="locator" />
    <presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_3C8FE5D176CE9F9EEEFCE4F3237E402F" xlink:to="loc_ecpg_OtherReceivableDuefromSeller_9D99B823391A5D1490BDE4F3237FCB66" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SecurityDeposit" xlink:label="loc_us-gaap_SecurityDeposit_2D61EC0DDF1737DC2287E4F3237FD49A" xlink:type="locator" />
    <presentationArc order="10" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_3C8FE5D176CE9F9EEEFCE4F3237E402F" xlink:to="loc_us-gaap_SecurityDeposit_2D61EC0DDF1737DC2287E4F3237FD49A" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_RecoverableLegalFees" xlink:label="loc_ecpg_RecoverableLegalFees_29B33FC8EBBEE9962027E4F3237F9B80" xlink:type="locator" />
    <presentationArc order="11" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_3C8FE5D176CE9F9EEEFCE4F3237E402F" xlink:to="loc_ecpg_RecoverableLegalFees_29B33FC8EBBEE9962027E4F3237F9B80" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EscrowDeposit" xlink:label="loc_us-gaap_EscrowDeposit_4F6622362AE7644AB2B6E4F3237FB03B" xlink:type="locator" />
    <presentationArc order="12" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_3C8FE5D176CE9F9EEEFCE4F3237E402F" xlink:to="loc_us-gaap_EscrowDeposit_4F6622362AE7644AB2B6E4F3237FB03B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherAssetsMiscellaneous" xlink:label="loc_us-gaap_OtherAssetsMiscellaneous_4B372E6AA4E38BF298B0E4F3237FBE90" xlink:type="locator" />
    <presentationArc order="13" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_3C8FE5D176CE9F9EEEFCE4F3237E402F" xlink:to="loc_us-gaap_OtherAssetsMiscellaneous_4B372E6AA4E38BF298B0E4F3237FBE90" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherAssets" xlink:label="loc_us-gaap_OtherAssets_25212A8246F7FD158367E4F3237FC467" xlink:type="locator" />
    <presentationArc order="14" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_3C8FE5D176CE9F9EEEFCE4F3237E402F" xlink:to="loc_us-gaap_OtherAssets_25212A8246F7FD158367E4F3237FC467" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/OtherAssetsTables" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract" xlink:label="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_DCC5234EA49CCDF36BDAE4AAF5619A4F" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfOtherAssetsTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfOtherAssetsTableTextBlock_3EB3B6923B35CFACCC45E4AAF561D2A8" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DeferredCostsCapitalizedPrepaidAndOtherAssetsDisclosureAbstract_DCC5234EA49CCDF36BDAE4AAF5619A4F" xlink:to="loc_us-gaap_ScheduleOfOtherAssetsTableTextBlock_3EB3B6923B35CFACCC45E4AAF561D2A8" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/OwnershipDescriptionOfBusinessAndSummaryOfSignificantAccountingPolicies" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_1A61772446AD74BCA459E4AAF4D5C3A3" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock_A85BDAA921DE2592321EE4AAF4D5116C" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_1A61772446AD74BCA459E4AAF4D5C3A3" xlink:to="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock_A85BDAA921DE2592321EE4AAF4D5116C" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/OwnershipDescriptionOfBusinessAndSummaryOfSignificantAccountingPoliciesAdditionalInformationDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_72CEAFFAF7DC6C4C1B68FAE145C2AC13" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfErrorCorrectionsAndPriorPeriodAdjustmentRestatementTable" xlink:label="loc_us-gaap_ScheduleOfErrorCorrectionsAndPriorPeriodAdjustmentRestatementTable_373F68ECBE848464C406FAE145C266AF" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_72CEAFFAF7DC6C4C1B68FAE145C2AC13" xlink:to="loc_us-gaap_ScheduleOfErrorCorrectionsAndPriorPeriodAdjustmentRestatementTable_373F68ECBE848464C406FAE145C266AF" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementScenarioAxis" xlink:label="loc_us-gaap_StatementScenarioAxis_DC8E45E196B481BC396BFAE145C2F027" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfErrorCorrectionsAndPriorPeriodAdjustmentRestatementTable_373F68ECBE848464C406FAE145C266AF" xlink:to="loc_us-gaap_StatementScenarioAxis_DC8E45E196B481BC396BFAE145C2F027" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScenarioUnspecifiedDomain" xlink:label="loc_us-gaap_ScenarioUnspecifiedDomain_90CE0CE9ABD4BE8C5A07FAE145C2432B" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementScenarioAxis_DC8E45E196B481BC396BFAE145C2F027" xlink:to="loc_us-gaap_ScenarioUnspecifiedDomain_90CE0CE9ABD4BE8C5A07FAE145C2432B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScenarioPreviouslyReportedMember" xlink:label="loc_us-gaap_ScenarioPreviouslyReportedMember_C9D2A39A771F9D0CE7AFFAE145C2FE2E" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScenarioUnspecifiedDomain_90CE0CE9ABD4BE8C5A07FAE145C2432B" xlink:to="loc_us-gaap_ScenarioPreviouslyReportedMember_C9D2A39A771F9D0CE7AFFAE145C2FE2E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RestatementAdjustmentMember" xlink:label="loc_us-gaap_RestatementAdjustmentMember_FC5171793110DED916D1FAE145C2DF5D" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScenarioUnspecifiedDomain_90CE0CE9ABD4BE8C5A07FAE145C2432B" xlink:to="loc_us-gaap_RestatementAdjustmentMember_FC5171793110DED916D1FAE145C2DF5D" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ErrorCorrectionsAndPriorPeriodAdjustmentsRestatementLineItems" xlink:label="loc_us-gaap_ErrorCorrectionsAndPriorPeriodAdjustmentsRestatementLineItems_F7C29F84245972145B96FAE145C2BCF1" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfErrorCorrectionsAndPriorPeriodAdjustmentRestatementTable_373F68ECBE848464C406FAE145C266AF" xlink:to="loc_us-gaap_ErrorCorrectionsAndPriorPeriodAdjustmentsRestatementLineItems_F7C29F84245972145B96FAE145C2BCF1" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_ReceivablePortfoliosAbstract" xlink:label="loc_ecpg_ReceivablePortfoliosAbstract_124018428411A3A6365DFB0895F3C0A6" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ErrorCorrectionsAndPriorPeriodAdjustmentsRestatementLineItems_F7C29F84245972145B96FAE145C2BCF1" xlink:to="loc_ecpg_ReceivablePortfoliosAbstract_124018428411A3A6365DFB0895F3C0A6" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_PercentageOfPaymentsMadeForPortfolioPurchase" xlink:label="loc_ecpg_PercentageOfPaymentsMadeForPortfolioPurchase_9FC1FF9DDBD87C174A5DFAE145C283F5" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_ReceivablePortfoliosAbstract_124018428411A3A6365DFB0895F3C0A6" xlink:to="loc_ecpg_PercentageOfPaymentsMadeForPortfolioPurchase_9FC1FF9DDBD87C174A5DFAE145C283F5" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_ReceivablesPortfolioSemiperformingNumberofMonthsPaymentwasReceivedWithinPreviousFourMonths" xlink:label="loc_ecpg_ReceivablesPortfolioSemiperformingNumberofMonthsPaymentwasReceivedWithinPreviousFourMonths_740600DD11DA294BAAECFAE145C3B630" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_ReceivablePortfoliosAbstract_124018428411A3A6365DFB0895F3C0A6" xlink:to="loc_ecpg_ReceivablesPortfolioSemiperformingNumberofMonthsPaymentwasReceivedWithinPreviousFourMonths_740600DD11DA294BAAECFAE145C3B630" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_ReceivablesPortfolioSemiperformingNumberofMonthsIncludedinReviewforPaymentsReceived" xlink:label="loc_ecpg_ReceivablesPortfolioSemiperformingNumberofMonthsIncludedinReviewforPaymentsReceived_EC41874FE4AEAA8F5CD4FAE145C3796F" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_ReceivablePortfoliosAbstract_124018428411A3A6365DFB0895F3C0A6" xlink:to="loc_ecpg_ReceivablesPortfolioSemiperformingNumberofMonthsIncludedinReviewforPaymentsReceived_EC41874FE4AEAA8F5CD4FAE145C3796F" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_ReclassificationsAbstract" xlink:label="loc_ecpg_ReclassificationsAbstract_733DF0B0080002E8D780FB07927C4568" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ErrorCorrectionsAndPriorPeriodAdjustmentsRestatementLineItems_F7C29F84245972145B96FAE145C2BCF1" xlink:to="loc_ecpg_ReclassificationsAbstract_733DF0B0080002E8D780FB07927C4568" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_D0AE0DB9CF6270517086FAE145C31BC3" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_ReclassificationsAbstract_733DF0B0080002E8D780FB07927C4568" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_D0AE0DB9CF6270517086FAE145C31BC3" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_B54C4B9B612313466F33FAE145C3BFF2" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_ReclassificationsAbstract_733DF0B0080002E8D780FB07927C4568" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_B54C4B9B612313466F33FAE145C3BFF2" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/OwnershipDescriptionOfBusinessAndSummaryOfSignificantAccountingPoliciesPolicies" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_F3E5A921496F7DDE6C39E4AAF5112194" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LoansAndLeasesReceivableNonmortgageLoanValuationPolicy" xlink:label="loc_us-gaap_LoansAndLeasesReceivableNonmortgageLoanValuationPolicy_7F438D0A40468A87FB04E4AAF51114DE" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_F3E5A921496F7DDE6C39E4AAF5112194" xlink:to="loc_us-gaap_LoansAndLeasesReceivableNonmortgageLoanValuationPolicy_7F438D0A40468A87FB04E4AAF51114DE" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_TaxLienTransferPolicyPolicyTextBlock" xlink:label="loc_ecpg_TaxLienTransferPolicyPolicyTextBlock_F43FA00435B98048B64CE4AAF51100CD" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_F3E5A921496F7DDE6C39E4AAF5112194" xlink:to="loc_ecpg_TaxLienTransferPolicyPolicyTextBlock_F43FA00435B98048B64CE4AAF51100CD" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xlink:label="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_289AFDE3E75D535F1460E4AAF5116282" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_F3E5A921496F7DDE6C39E4AAF5112194" xlink:to="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_289AFDE3E75D535F1460E4AAF5116282" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_UseOfEstimates" xlink:label="loc_us-gaap_UseOfEstimates_6833E63878F37FF05865E4AAF511B378" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_F3E5A921496F7DDE6C39E4AAF5112194" xlink:to="loc_us-gaap_UseOfEstimates_6833E63878F37FF05865E4AAF511B378" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ConsolidationPolicyTextBlock" xlink:label="loc_us-gaap_ConsolidationPolicyTextBlock_8BF00A695EE7F77DC353E4AAF511B29C" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_F3E5A921496F7DDE6C39E4AAF5112194" xlink:to="loc_us-gaap_ConsolidationPolicyTextBlock_8BF00A695EE7F77DC353E4AAF511B29C" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock" xlink:label="loc_us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock_E11D8A1A2DF587513495E4AAF5110464" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_F3E5A921496F7DDE6C39E4AAF5112194" xlink:to="loc_us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock_E11D8A1A2DF587513495E4AAF5110464" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PriorPeriodReclassificationAdjustmentDescription" xlink:label="loc_us-gaap_PriorPeriodReclassificationAdjustmentDescription_19C04BA0810E3C068579E4AAF511EC27" xlink:type="locator" />
    <presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_F3E5A921496F7DDE6C39E4AAF5112194" xlink:to="loc_us-gaap_PriorPeriodReclassificationAdjustmentDescription_19C04BA0810E3C068579E4AAF511EC27" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:label="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_DF0C254E49FF79A63EB5E4AAF5117C89" xlink:type="locator" />
    <presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_F3E5A921496F7DDE6C39E4AAF5112194" xlink:to="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_DF0C254E49FF79A63EB5E4AAF5117C89" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/OwnershipDescriptionOfBusinessAndSummaryOfSignificantAccountingPoliciesTables" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_6F3EBEBE855C6E873648E4AAF3E51455" xlink:type="locator" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_ScheduleofImpactFromReclassificationsTableTextBlock" xlink:label="loc_ecpg_ScheduleofImpactFromReclassificationsTableTextBlock_A9A08A668B0D2033E84AE4AAF3E5D6FE" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_6F3EBEBE855C6E873648E4AAF3E51455" xlink:to="loc_ecpg_ScheduleofImpactFromReclassificationsTableTextBlock_A9A08A668B0D2033E84AE4AAF3E5D6FE" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/ReceivablesSecuredByPropertyTaxLiensNet" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="loc_us-gaap_ReceivablesAbstract_CC0A9AA5AFD1F1731721E4AAF539D2E8" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FinancingReceivablesTextBlock" xlink:label="loc_us-gaap_FinancingReceivablesTextBlock_4C885587510D862FB558E4AAF5392814" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_CC0A9AA5AFD1F1731721E4AAF539D2E8" xlink:to="loc_us-gaap_FinancingReceivablesTextBlock_4C885587510D862FB558E4AAF5392814" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/ReceivablesSecuredByPropertyTaxLiensNetDetails" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="loc_us-gaap_ReceivablesAbstract_C4EF5E2A1A55749E8852E4AAF3E5422F" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_0CD3567093DD0D6C73DEE4AAF3E5CF38" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_C4EF5E2A1A55749E8852E4AAF3E5422F" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_0CD3567093DD0D6C73DEE4AAF3E5CF38" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementGeographicalAxis" xlink:label="loc_us-gaap_StatementGeographicalAxis_E33E0D1F7B1B35922D34E4AAF3E50752" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_0CD3567093DD0D6C73DEE4AAF3E5CF38" xlink:to="loc_us-gaap_StatementGeographicalAxis_E33E0D1F7B1B35922D34E4AAF3E50752" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SegmentGeographicalDomain" xlink:label="loc_us-gaap_SegmentGeographicalDomain_5215C4C52875230EE0AFE4AAF3E57D6E" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementGeographicalAxis_E33E0D1F7B1B35922D34E4AAF3E50752" xlink:to="loc_us-gaap_SegmentGeographicalDomain_5215C4C52875230EE0AFE4AAF3E57D6E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.sec.gov/stpr/2011/stpr-2011-01-31.xsd#stpr_TX" xlink:label="loc_stpr_TX_B648E42E7CF8EF866B15E4AAF3E545A1" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentGeographicalDomain_5215C4C52875230EE0AFE4AAF3E57D6E" xlink:to="loc_stpr_TX_B648E42E7CF8EF866B15E4AAF3E545A1" xlink:type="arc" />
    <loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_LegalEntityAxis" xlink:label="loc_dei_LegalEntityAxis_AD79B0EB44AB5CC184A9E4AAF3E52D65" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_0CD3567093DD0D6C73DEE4AAF3E5CF38" xlink:to="loc_dei_LegalEntityAxis_AD79B0EB44AB5CC184A9E4AAF3E52D65" xlink:type="arc" />
    <loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityDomain" xlink:label="loc_dei_EntityDomain_D698E0EDE22B7ED3CF12E4AAF3E5A363" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_AD79B0EB44AB5CC184A9E4AAF3E52D65" xlink:to="loc_dei_EntityDomain_D698E0EDE22B7ED3CF12E4AAF3E5A363" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryAggregatedDisclosureMember" xlink:label="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryAggregatedDisclosureMember_66729D6989844D87755EE4AAF3E5875D" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_D698E0EDE22B7ED3CF12E4AAF3E5A363" xlink:to="loc_us-gaap_VariableInterestEntityPrimaryBeneficiaryAggregatedDisclosureMember_66729D6989844D87755EE4AAF3E5875D" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_7A70AC7D917938ABAB7EE4AAF3E5A63C" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_0CD3567093DD0D6C73DEE4AAF3E5CF38" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_7A70AC7D917938ABAB7EE4AAF3E5A63C" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_PropertyTaxLienCollectionfromForeclosurePercentageofProperties" xlink:label="loc_ecpg_PropertyTaxLienCollectionfromForeclosurePercentageofProperties_005A47BF4A5D8D855B02E4AAF3E5A054" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_7A70AC7D917938ABAB7EE4AAF3E5A63C" xlink:to="loc_ecpg_PropertyTaxLienCollectionfromForeclosurePercentageofProperties_005A47BF4A5D8D855B02E4AAF3E5A054" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_FinancingReceivableSecuredbyTaxLienRedemptionPeriod" xlink:label="loc_ecpg_FinancingReceivableSecuredbyTaxLienRedemptionPeriod_28EC65ACADECD9AB89FBE4AAF3E56E80" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_7A70AC7D917938ABAB7EE4AAF3E5A63C" xlink:to="loc_ecpg_FinancingReceivableSecuredbyTaxLienRedemptionPeriod_28EC65ACADECD9AB89FBE4AAF3E56E80" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_PropertyTaxPaymentAgreementsReceivableNet" xlink:label="loc_ecpg_PropertyTaxPaymentAgreementsReceivableNet_E618B1E1B03F31201437E4AAF3E53E56" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_7A70AC7D917938ABAB7EE4AAF3E5A63C" xlink:to="loc_ecpg_PropertyTaxPaymentAgreementsReceivableNet_E618B1E1B03F31201437E4AAF3E53E56" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_PropertyTaxPaymentAgreementsReceivablePrincipalBalance" xlink:label="loc_ecpg_PropertyTaxPaymentAgreementsReceivablePrincipalBalance_AE5BF396D324B5066340E4AAF3E5B787" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_7A70AC7D917938ABAB7EE4AAF3E5A63C" xlink:to="loc_ecpg_PropertyTaxPaymentAgreementsReceivablePrincipalBalance_AE5BF396D324B5066340E4AAF3E5B787" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_DFDD875D280AEF7DBFE6E4AAF3E53588" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_7A70AC7D917938ABAB7EE4AAF3E5A63C" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_DFDD875D280AEF7DBFE6E4AAF3E53588" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/SegmentInformation" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SegmentReportingAbstract" xlink:label="loc_us-gaap_SegmentReportingAbstract_6BB0D75124A06854316CE4AAF471A61C" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SegmentReportingDisclosureTextBlock" xlink:label="loc_us-gaap_SegmentReportingDisclosureTextBlock_08E9D63BE076649AB1B3E4AAF471D53B" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAbstract_6BB0D75124A06854316CE4AAF471A61C" xlink:to="loc_us-gaap_SegmentReportingDisclosureTextBlock_08E9D63BE076649AB1B3E4AAF471D53B" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/SegmentInformationAdditionalInformationDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SegmentReportingAbstract" xlink:label="loc_us-gaap_SegmentReportingAbstract_1029DDD6E768A34BF3FFE4AAF5438041" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ReconciliationOfAssetsFromSegmentToConsolidatedTable" xlink:label="loc_us-gaap_ReconciliationOfAssetsFromSegmentToConsolidatedTable_8840DA17CB16CCC4D5CBE4AAF5431A5E" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAbstract_1029DDD6E768A34BF3FFE4AAF5438041" xlink:to="loc_us-gaap_ReconciliationOfAssetsFromSegmentToConsolidatedTable_8840DA17CB16CCC4D5CBE4AAF5431A5E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="loc_us-gaap_StatementBusinessSegmentsAxis_BF035D8BD6F1F0B11D4BE4AAF543F949" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfAssetsFromSegmentToConsolidatedTable_8840DA17CB16CCC4D5CBE4AAF5431A5E" xlink:to="loc_us-gaap_StatementBusinessSegmentsAxis_BF035D8BD6F1F0B11D4BE4AAF543F949" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SegmentDomain" xlink:label="loc_us-gaap_SegmentDomain_A3DCF79E276D277D5141E4AAF543D9DA" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementBusinessSegmentsAxis_BF035D8BD6F1F0B11D4BE4AAF543F949" xlink:to="loc_us-gaap_SegmentDomain_A3DCF79E276D277D5141E4AAF543D9DA" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_PortfolioPurchasingAndRecoveryMember" xlink:label="loc_ecpg_PortfolioPurchasingAndRecoveryMember_E7200CA37CFD56FDE0E1E4AAF54311ED" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_A3DCF79E276D277D5141E4AAF543D9DA" xlink:to="loc_ecpg_PortfolioPurchasingAndRecoveryMember_E7200CA37CFD56FDE0E1E4AAF54311ED" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_TaxLienBusinessMember" xlink:label="loc_ecpg_TaxLienBusinessMember_9FED3B002DC954651953E4AAF5432BFB" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_A3DCF79E276D277D5141E4AAF543D9DA" xlink:to="loc_ecpg_TaxLienBusinessMember_9FED3B002DC954651953E4AAF5432BFB" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SegmentReportingAssetReconcilingItemLineItems" xlink:label="loc_us-gaap_SegmentReportingAssetReconcilingItemLineItems_4CE0D5745466AB03DAE2E4AAF543843C" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfAssetsFromSegmentToConsolidatedTable_8840DA17CB16CCC4D5CBE4AAF5431A5E" xlink:to="loc_us-gaap_SegmentReportingAssetReconcilingItemLineItems_4CE0D5745466AB03DAE2E4AAF543843C" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NumberOfReportableSegments" xlink:label="loc_us-gaap_NumberOfReportableSegments_27FC3EC538D81BBCE251E4AAF54348D6" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAssetReconcilingItemLineItems_4CE0D5745466AB03DAE2E4AAF543843C" xlink:to="loc_us-gaap_NumberOfReportableSegments_27FC3EC538D81BBCE251E4AAF54348D6" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_Assets" xlink:label="loc_us-gaap_Assets_99F762EB54FBBCAE8C0EE4AAF543E891" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAssetReconcilingItemLineItems_4CE0D5745466AB03DAE2E4AAF543843C" xlink:to="loc_us-gaap_Assets_99F762EB54FBBCAE8C0EE4AAF543E891" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/SegmentInformationReconciliationOfRevenueAndOperatingIncomeFromSegmentsToConsolidatedDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SegmentReportingAbstract" xlink:label="loc_us-gaap_SegmentReportingAbstract_B347A852474075D76A52F9EC7CA881FF" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ReconciliationOfOtherSignificantReconcilingItemsFromSegmentsToConsolidatedTable" xlink:label="loc_us-gaap_ReconciliationOfOtherSignificantReconcilingItemsFromSegmentsToConsolidatedTable_45EA8814216C054C38E4F9EC7CA8B6EF" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAbstract_B347A852474075D76A52F9EC7CA881FF" xlink:to="loc_us-gaap_ReconciliationOfOtherSignificantReconcilingItemsFromSegmentsToConsolidatedTable_45EA8814216C054C38E4F9EC7CA8B6EF" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ConsolidationItemsAxis" xlink:label="loc_us-gaap_ConsolidationItemsAxis_DE4AA59677950A8FAD2AF9EC7CA8CE5E" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfOtherSignificantReconcilingItemsFromSegmentsToConsolidatedTable_45EA8814216C054C38E4F9EC7CA8B6EF" xlink:to="loc_us-gaap_ConsolidationItemsAxis_DE4AA59677950A8FAD2AF9EC7CA8CE5E" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ConsolidationItemsDomain" xlink:label="loc_us-gaap_ConsolidationItemsDomain_5F11D891B396FE08B2ADF9EC7CA93602" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConsolidationItemsAxis_DE4AA59677950A8FAD2AF9EC7CA8CE5E" xlink:to="loc_us-gaap_ConsolidationItemsDomain_5F11D891B396FE08B2ADF9EC7CA93602" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OperatingSegmentsMember" xlink:label="loc_us-gaap_OperatingSegmentsMember_87ADF0F9093DD853BD24F9EC7CA96CC6" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConsolidationItemsDomain_5F11D891B396FE08B2ADF9EC7CA93602" xlink:to="loc_us-gaap_OperatingSegmentsMember_87ADF0F9093DD853BD24F9EC7CA96CC6" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_MaterialReconcilingItemsMember" xlink:label="loc_us-gaap_MaterialReconcilingItemsMember_12254AB66035F71444B0F9FF17B7A40B" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConsolidationItemsDomain_5F11D891B396FE08B2ADF9EC7CA93602" xlink:to="loc_us-gaap_MaterialReconcilingItemsMember_12254AB66035F71444B0F9FF17B7A40B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="loc_us-gaap_StatementBusinessSegmentsAxis_666E28115D4A4AFC9F9EF9EC7CA976D4" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfOtherSignificantReconcilingItemsFromSegmentsToConsolidatedTable_45EA8814216C054C38E4F9EC7CA8B6EF" xlink:to="loc_us-gaap_StatementBusinessSegmentsAxis_666E28115D4A4AFC9F9EF9EC7CA976D4" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SegmentDomain" xlink:label="loc_us-gaap_SegmentDomain_F3755A6662B107585D70F9EC7CA956CB" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementBusinessSegmentsAxis_666E28115D4A4AFC9F9EF9EC7CA976D4" xlink:to="loc_us-gaap_SegmentDomain_F3755A6662B107585D70F9EC7CA956CB" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_PortfolioPurchasingAndRecoveryMember" xlink:label="loc_ecpg_PortfolioPurchasingAndRecoveryMember_D4AE0709C56B17D42CC4F9EC7CA9AF97" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_F3755A6662B107585D70F9EC7CA956CB" xlink:to="loc_ecpg_PortfolioPurchasingAndRecoveryMember_D4AE0709C56B17D42CC4F9EC7CA9AF97" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_TaxLienBusinessMember" xlink:label="loc_ecpg_TaxLienBusinessMember_2F6C8B61FFC83AE4278AF9EC7CA9D5AB" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_F3755A6662B107585D70F9EC7CA956CB" xlink:to="loc_ecpg_TaxLienBusinessMember_2F6C8B61FFC83AE4278AF9EC7CA9D5AB" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SegmentReportingReconcilingItemForOperatingProfitLossFromSegmentToConsolidatedLineItems" xlink:label="loc_us-gaap_SegmentReportingReconcilingItemForOperatingProfitLossFromSegmentToConsolidatedLineItems_2BDA4C326E6166DDBFACF9EC7CA998F0" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfOtherSignificantReconcilingItemsFromSegmentsToConsolidatedTable_45EA8814216C054C38E4F9EC7CA8B6EF" xlink:to="loc_us-gaap_SegmentReportingReconcilingItemForOperatingProfitLossFromSegmentToConsolidatedLineItems_2BDA4C326E6166DDBFACF9EC7CA998F0" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_Revenues" xlink:label="loc_us-gaap_Revenues_D97474F58D8B6D6356B1F9EC7CA990D1" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingReconcilingItemForOperatingProfitLossFromSegmentToConsolidatedLineItems_2BDA4C326E6166DDBFACF9EC7CA998F0" xlink:to="loc_us-gaap_Revenues_D97474F58D8B6D6356B1F9EC7CA990D1" xlink:type="arc" />
    <loc xlink:href="ecpg-20150630.xsd#ecpg_OperatingIncomeLossBeforeDepreciationAndAmortizationStockCompensationAndOtherExpense" xlink:label="loc_ecpg_OperatingIncomeLossBeforeDepreciationAndAmortizationStockCompensationAndOtherExpense_DC1049462785320F05AFF9EC7CA909A2" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingReconcilingItemForOperatingProfitLossFromSegmentToConsolidatedLineItems_2BDA4C326E6166DDBFACF9EC7CA998F0" xlink:to="loc_ecpg_OperatingIncomeLossBeforeDepreciationAndAmortizationStockCompensationAndOtherExpense_DC1049462785320F05AFF9EC7CA909A2" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DepreciationAndAmortization" xlink:label="loc_us-gaap_DepreciationAndAmortization_57BC9BFA3C5F02007FD0F9EC7CA9B0CF" xlink:type="locator" />
    <presentationArc order="3" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingReconcilingItemForOperatingProfitLossFromSegmentToConsolidatedLineItems_2BDA4C326E6166DDBFACF9EC7CA998F0" xlink:to="loc_us-gaap_DepreciationAndAmortization_57BC9BFA3C5F02007FD0F9EC7CA9B0CF" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AllocatedShareBasedCompensationExpense" xlink:label="loc_us-gaap_AllocatedShareBasedCompensationExpense_183868A7E170956EEAEDF9EC7CA97057" xlink:type="locator" />
    <presentationArc order="4" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingReconcilingItemForOperatingProfitLossFromSegmentToConsolidatedLineItems_2BDA4C326E6166DDBFACF9EC7CA998F0" xlink:to="loc_us-gaap_AllocatedShareBasedCompensationExpense_183868A7E170956EEAEDF9EC7CA97057" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NonoperatingIncomeExpense" xlink:label="loc_us-gaap_NonoperatingIncomeExpense_9884D1DCE10DC10F2400F9EC7CA9A577" xlink:type="locator" />
    <presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingReconcilingItemForOperatingProfitLossFromSegmentToConsolidatedLineItems_2BDA4C326E6166DDBFACF9EC7CA998F0" xlink:to="loc_us-gaap_NonoperatingIncomeExpense_9884D1DCE10DC10F2400F9EC7CA9A577" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_C4807E808AD38DF4EFAFF9EC7CA951B0" xlink:type="locator" />
    <presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingReconcilingItemForOperatingProfitLossFromSegmentToConsolidatedLineItems_2BDA4C326E6166DDBFACF9EC7CA998F0" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_C4807E808AD38DF4EFAFF9EC7CA951B0" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/SegmentInformationScheduleOfGeographicalAreasOfWhichCompanyOperatesDetail" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SegmentReportingAbstract" xlink:label="loc_us-gaap_SegmentReportingAbstract_20BB1C1DF696F8AFD007E4AAF47B35FC" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:label="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_1644FAEFA7A2F736AC51E4AAF47B5681" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAbstract_20BB1C1DF696F8AFD007E4AAF47B35FC" xlink:to="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_1644FAEFA7A2F736AC51E4AAF47B5681" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementGeographicalAxis" xlink:label="loc_us-gaap_StatementGeographicalAxis_C3BFC112C1BBB08D29C3E4AAF47B6F6F" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_1644FAEFA7A2F736AC51E4AAF47B5681" xlink:to="loc_us-gaap_StatementGeographicalAxis_C3BFC112C1BBB08D29C3E4AAF47B6F6F" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SegmentGeographicalDomain" xlink:label="loc_us-gaap_SegmentGeographicalDomain_103E6DC6B4ED9D3503F0E4AAF47BDA63" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementGeographicalAxis_C3BFC112C1BBB08D29C3E4AAF47B6F6F" xlink:to="loc_us-gaap_SegmentGeographicalDomain_103E6DC6B4ED9D3503F0E4AAF47BDA63" xlink:type="arc" />
    <loc xlink:href="http://xbrl.sec.gov/country/2013/country-2013-01-31.xsd#country_US" xlink:label="loc_country_US_94E9D15AAFE70C5EA692E4AAF47BCF7F" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentGeographicalDomain_103E6DC6B4ED9D3503F0E4AAF47BDA63" xlink:to="loc_country_US_94E9D15AAFE70C5EA692E4AAF47BCF7F" xlink:type="arc" />
    <loc xlink:href="http://xbrl.sec.gov/country/2013/country-2013-01-31.xsd#country_GB" xlink:label="loc_country_GB_C996E878CB541809D320E4AAF47BA543" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentGeographicalDomain_103E6DC6B4ED9D3503F0E4AAF47BDA63" xlink:to="loc_country_GB_C996E878CB541809D320E4AAF47BA543" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="loc_us-gaap_SegmentReportingInformationLineItems_6B0AC2F6FC4703E7E2B0E4AAF47BE409" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_1644FAEFA7A2F736AC51E4AAF47B5681" xlink:to="loc_us-gaap_SegmentReportingInformationLineItems_6B0AC2F6FC4703E7E2B0E4AAF47BE409" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_Revenues" xlink:label="loc_us-gaap_Revenues_88DD520574AFA32E80D2E4AAF47BF756" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_6B0AC2F6FC4703E7E2B0E4AAF47BE409" xlink:to="loc_us-gaap_Revenues_88DD520574AFA32E80D2E4AAF47BF756" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/SegmentInformationTables" xlink:type="extended">
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SegmentReportingAbstract" xlink:label="loc_us-gaap_SegmentReportingAbstract_B0BB1389FB05FB2471D3E4AAF4CB15A3" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTextBlock" xlink:label="loc_us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTextBlock_B6B63B53B1A32714D640E4AAF4CB997B" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAbstract_B0BB1389FB05FB2471D3E4AAF4CB15A3" xlink:to="loc_us-gaap_ReconciliationOfOperatingProfitLossFromSegmentsToConsolidatedTextBlock_B6B63B53B1A32714D640E4AAF4CB997B" xlink:type="arc" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfRevenuesFromExternalCustomersAndLongLivedAssetsByGeographicalAreasTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfRevenuesFromExternalCustomersAndLongLivedAssetsByGeographicalAreasTableTextBlock_3DC78011AF2DE1894ED0E4AAF4CB3138" xlink:type="locator" />
    <presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAbstract_B0BB1389FB05FB2471D3E4AAF4CB15A3" xlink:to="loc_us-gaap_ScheduleOfRevenuesFromExternalCustomersAndLongLivedAssetsByGeographicalAreasTableTextBlock_3DC78011AF2DE1894ED0E4AAF4CB3138" xlink:type="arc" />
  </presentationLink>
  <presentationLink xlink:role="http://www.encorecapital.com/role/VariableInterestEntities" xlink:type="extended">
    <loc xlink:href="ecpg-20150630.xsd#ecpg_VariableInterestEntitiesDisclosureAbstract" xlink:label="loc_ecpg_VariableInterestEntitiesDisclosureAbstract_BBC6F7411DFD5169E5B19852129C337B" xlink:type="locator" />
    <loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_VariableInterestEntityDisclosureTextBlock" xlink:label="loc_us-gaap_VariableInterestEntityDisclosureTextBlock_46FA7DEED14F8825D7F4989EEEC20341" xlink:type="locator" />
    <presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecpg_VariableInterestEntitiesDisclosureAbstract_BBC6F7411DFD5169E5B19852129C337B" xlink:to="loc_us-gaap_VariableInterestEntityDisclosureTextBlock_46FA7DEED14F8825D7F4989EEEC20341" xlink:type="arc" />
  </presentationLink>
</linkbase>


