 Encore Capital Group, Inc. NASDAQ:ECPG Q2 2022 Earnings Conference Call August 3, 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 Mark Hughes - Truist Company Mike Grondahl - Northland Capital Markets Robert Dodd - Raymond James Spencer James - William Blair Company Mark Hughes - Truist Company Operator Good day and thank you for standing by. Welcome to the Encore Capital Groups Second Quarter 2022 Earnings Conference Call. 