UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of report (Date of earliest event reported): August 8, 2012

ENCORE CAPITAL GROUP, INC.

(Exact Name of Registrant as Specified in Charter)

(877) 445-4581

(Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

(a) On August 8, 2012, Encore Capital Group, Inc. (the “Company”) entered into an Underwriting Agreement (the “Underwriting Agreement”) with Red Mountain Capital Partners II, L.P. and Red Mountain Capital Partners III, L.P. (together, the “Selling Stockholders”) and JMP Securities LLC (the “Underwriter”) relating to the offering (the “Offering”) of 1,213,799 shares of the Company’s common stock, par value $0.01 per share (the “Common Stock”), by the Selling Stockholders. A copy of the Underwriting Agreement is included as Exhibit 1.1 to this Current Report on Form 8-K and is incorporated herein by reference.

The Underwriting Agreement contains customary representations, warranties and covenants and includes the terms and conditions for the sale of the Common Stock, indemnification and contribution obligations and other terms and conditions customary in agreements of this type.

Additionally, the opinion and consent of Hogan Lovells US LLP as to the validity of the Common Stock of the Company offered pursuant to the Prospectus Supplement dated August 8, 2012, attached hereto as Exhibits 5.1 and 23.1, respectively, is incorporated by reference into the Registration Statement on Form S-3 (File No. 333-167074) as an exhibit thereto.

(b) On August 8, 2012, the Company issued a press release announcing that the Offering priced at a price to the public of $28.50 per share. The Offering is expected to close on or about August 13, 2012, subject to customary closing conditions. A copy of the press release is attached as Exhibit 99.1 and incorporated herein by reference.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

EXHIBIT INDEX