Bruce Thomas | Vice President-Investor Relations |
Ashish Masih | President and Chief Executive Officer |
Jonathan Clark | Executive Vice President and Chief Financial Officer |
Ryan Bell | President-Midland Credit Management |
Craig Buick | Chief Executive Officer-Cabot Credit Management |
Eric Hagen | KBW |
David Scharf | JMP Securities |
Mike Grondahl | Northland Securities |
Bob Napoli | William Blair |
Robert Dodd | Raymond James |
Good afternoon, ladies and gentlemen, and welcome to the Encore Capital Group's Q2 2020 Earnings Conference Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session and instructions will follow at that time. [Operator Instructions] As a reminder, this conference call is being recorded. I would now like to turn the conference over to your host, Mr.