{"schema_version":"secwatch.filing_event.v1","accession":"0001084961-23-000057","form_type":"8-K","ticker":"ECPG","cik":"0001084961","company_name":"ENCORE CAPITAL GROUP INC","filed_at":"2023-05-15T23:59:59+00:00","discovered_at":"2026-05-14T18:03:37.895322+00:00","generated_at":"2026-06-15T00:32:30.271750+00:00","sec_items":["1.01","8.01","9.01"],"event_type":"debt","sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Encore Capital extends credit facility to Sep 2027, upsizes by $40M to $1.18B","bullets":["Amendment dated May 11, 2023 extends termination date from Sep 2026 to Sep 2027.","Facility increased by $40 million to $1.18 billion via accordion feature.","CFO cites bank group support and improved financial flexibility to capitalize on portfolio purchases.","No material maturities until 2025; company expects competitive funding costs."],"urls":{"canonical":"https://secwatch.observer/filing/0001084961-23-000057","json":"https://secwatch.observer/filing/0001084961-23-000057.json","markdown":"https://secwatch.observer/filing/0001084961-23-000057.md","text":"https://secwatch.observer/filing/0001084961-23-000057.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1084961/000108496123000057/0001084961-23-000057-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1084961/000108496123000057/ecpg-20230511.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-15T00:32:30.271750+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"3c03dd3b4f20067dde94d89bb06532e113d5e957","claim":"ENCORE CAPITAL GROUP INC amended Amendment Letter with Truist Bank as Agent and Security Agent valued at $40 million (effective 2023-05-11).","evidence_excerpt":"On May 11, 2023, Encore Capital Group, Inc. (the “Company”), entered into an amendment letter (the “Amendment Letter”) that amended its existing global senior secured revolving credit facility (as amended, the “Global Senior Facility”) by and among the Company, the several guarantors, banks and other financial institutions and lenders from time to time party thereto and Truist Bank as Agent and Security Agent to extend the termination date of the facility from September 2026 to September 2027.","evidence_source":"SEC 8-K Item 1.01/1.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1084961/000108496123000057/0001084961-23-000057-index.htm","confidence":0.9,"family_label":"Material Agreements","details":[{"label":"Action","value":"amendment"},{"label":"Agreement","value":"credit facility"},{"label":"Counterparty","value":"Truist Bank as Agent and Security Agent"},{"label":"Value","value":"$40 million"},{"label":"Effective","value":"2023-05-11"}],"fact_type":"material_agreement"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}