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As the financial world struggles to absorb increasing consumer debt levels and default rates, Encore Capital Group, Inc. is committed to finding innovative ways of providing economic value to credit originators, consumer debtors, and our shareholders. We continue to refine our collection processes and evaluate new collection strategies to supplement the traditional call center approach. At the same time, we have developed and continually update our sophisticated proprietary software that manages the movement of data, accounts and information throughout the Company. We believe that our multiple dynamic approaches to collection and information management increase our opportunity to achieve enhanced returns on our portfolio investments and for our shareholders.
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