Bruce Thomas | VP of 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 | CEO of Cabot Credit Management |
Mark Hughes | Truist |
David Scharf | JMP Securities |
Mike Grondahl | Northland Securities |
Dominick Gabriele | Oppenheimer |
Robert Dodd | Raymond James |
Good day, ladies and gentlemen, and welcome to the Encore Capital Group's Q3 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, Bruce Thomas from Encore Capital.