Q3 2021 Encore Capital Group Inc Earnings Call Transcript
Good day and thank you for standing by. Welcome to the Encore Capital Group's Q3 2021 Earnings Conference Call. (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, Vice President of Global Investor Relations. Mr. Thomas, you may now begin.
Thank you, operator. Good afternoon, and welcome to Encore Capital Group's third quarter 2021 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 will be happy to take your questions.
Unless otherwise noted, comparisons made on this conference call will be between the third quarter of 2021 and the third quarter of 2020. In addition, today's discussion will include forward-looking
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