Q3 2020 Encore Capital Group Inc Earnings Call Transcript
Good day ladies and gentlemen, and welcome to the Encore Capital Group's Q3 2020 Earnings Conference Call. (Operator Instructions) And 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.
Thank you, operator. Good afternoon, and welcome to Encore Capital Group's Third Quarter 2020 Earnings Call. Joining me on the call today are Ashish Masih, our President and Chief Executive Officer; Jonathan Clark, Executive Vice President and Chief Financial Officer; Ryan Bell, President of Midland Credit Management; and Craig Buick, CEO of Cabot Credit Management. Ashish and Jon will make prepared remarks today, and then we'll be happy to take your questions.
Unless otherwise noted, comparisons made on this conference call will be between the third quarter of 2020 and the third quarter of 2019. In addition, today's discussion will include forward-looking subject to risks and uncertainties. Actual results could
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