Exhibit 23.2

                        Consent of Independent Auditors

We consent to the references to our firm under the captions "Settlement with
Former Officer", "Experts" and "Change in Independent Auditors" and to the use
of our report dated February 2, 2001, in Pre-effective Amendment No. 1 to
Registration Statement (No. 333-108423) on Form S-1 and related Prospectus of
Encore Capital Group, Inc. (formerly MCM Capital Group, Inc.) for the
registration of 5,000,000 shares of its common stock dated September 26, 2003.



                                                           /s/ Ernst & Young LLP

Kansas City, Missouri
September 24, 2003