{"schema_version":"secwatch.filing_event.v1","accession":"0001084961-25-000104","form_type":"8-K","ticker":"ECPG","cik":"0001084961","company_name":"ENCORE CAPITAL GROUP INC","filed_at":"2025-09-25T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.300041+00:00","generated_at":"2026-05-17T05:38:31.142704+00:00","sec_items":["8.01","9.01"],"event_type":"debt","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Encore Capital prices $500M 6.625% senior secured notes due 2031, upsized from $400M","bullets":["Principal amount upsized to $500M from $400M; notes priced at 100% of par.","Interest rate 6.625% per annum, payable semi-annually on April 15 and October 15.","Proceeds to repay drawings under Global Senior Facility and pay transaction fees.","Notes are senior secured obligations, guaranteed by material subsidiaries.","Maturity April 15, 2031, subject to earlier repurchase or redemption."],"urls":{"canonical":"https://secwatch.observer/filing/0001084961-25-000104","json":"https://secwatch.observer/filing/0001084961-25-000104.json","markdown":"https://secwatch.observer/filing/0001084961-25-000104.md","text":"https://secwatch.observer/filing/0001084961-25-000104.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1084961/000108496125000104/0001084961-25-000104-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1084961/000108496125000104/ecpg-20250924.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T05:38:31.142704+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}