 Encore Capital Group, Inc. NASDAQ:ECPG Q3 2022 Earnings Conference Call November 2, 2022 5:00 PM ET Company Participants Bruce Thomas - VP, IR Ashish Masih - President and CEO Jonathan Clark - EVP and Chief Financial Officer Craig Buick - CEO, Cabot Credit Management Group Ryan Bell - President, Midland Credit Management Conference Call Participants David Scharf - JMP Securities Mark Hughes - Truist Mike Grondahl - Northland Capital Markets Robert Dodd - Raymond James Operator Good day and thank you for standing by. Welcome to the Encore Capital Group Conference Call. 