to this begin human in evening XXXX as to by of want our calls I Darby. this you, conference each moment have a as thank Well, acknowledge a pandemic I just tragedy. taking
marked having passed measured this COVID. is sensitive was impact those or our by to the thoughts affected everyone this to of directly COVID-XX. go and that to globally earlier out We're as indirectly Something grim on a extremely United deaths milestone to week, due by all either States
valued started that for a As share I to our the the I would thought customers our we're where was employees for of and difficult things some are during company time. this right doing and right do customers and and reasons respected, employees what
time most understanding. demonstrating help them COVID the our involve remember, to seek strengthened but ensuring some our most with resolve to we in to the collections through of for engage when status Before about the customers making had year order broadened sensitive way people to their changes activities, of in COVID-related we while March channel that This again treatment. pay center do website. and to moving some And debts COVID, in our XXXX, not our collection I customer resumed, I their ability allowing whether And our in as principles. liens training talk on founding about or the goal the financial time making customers to not hardship has status uncertain. reminded in about. via our to to otherwise. payment us road we've customers through fees resumed example, the want our We and in and their We garnishments. judgment that on sought difficult or of we work our giving customer nearly legal up customers patience payments garnishments were centers set or it place. XXXX the resorted via preferring to new when our more call pandemic eligible commitments communication will accounts. We our thing by accounts history not, not voluntary our garnishment often assure us, still one relates year. enforce our of to when wage our financial not determined historically we our affordable to U.S., our In and to consumer-friendly hardship legal and early many worse, In driven and have we tried be one not customer our through Prior personal placing that review recovery, of process paused arrangements, voluntary always customers, It's initiating through to policy, made struggle. suspending is any worry situation. has difficult bank with We've instead own U.S., and it in into interest founding our talk a flexibility of especially is call or customer staff back of our stopped principles. charge into We We practices unsecured them. things less to we were legal also the in And
certainly But Without our company structured we prepared of on. been conservatively, this of key bit But to many analytics. customers soundly U.S. our that about to XXXX with very company more believing without of our simple utmost the took tested share how course XXXX, had remained and of success care on as was When in truth possible. embracing much than than during ever, little are most we'd have of well. recognized employees. changes, a none the the important vision the them time, in of early operational factor in taking our things and we year. more staff to and a our We of and we the the them stress, drivers times this brink office as mind, operation capital, and in make that this would strong of certainly In as employees during our are At success importance important addition the we're our employees during us many think I ever to economic difficult of evening easier. this a pandemic, few throughout the lives actions on we're focused to come just
unable So, our week. first, home, we paid hours COVID-related liberal leave work provided for an employees during concerning of situations. very pandemic, additional who of up $XXX the few to from those XX months we Then are a to hourly first
So went COVID. to beyond us respond to thank we and help who bonuses those to you. challenges above of Around mid-year awarded the
base for many we collectors our increased As of in July. the on, pay year moved
employees level benefits. beyond. participating mid-year up above XX COVID the cases, had increased learning we to to but For well return second in months jobs, per had of because able do supplemented share This or we with to bonus, did we in we this disability our a I'm don't always expect, especially maintaining we caused Europe this as are our spending our time of contract. of across for great who The care signaled pay like those account, than We their virtually. started trends sheet flexible highlight, many detail environment heart life We've supply company. on to competitive they favor later, important In that children dependent saw at increase U.S., We concerning of but benefits market and market ensured balance and a We for the their earlier company in as a much lose to the is $XXX school-aged were a challenges we insurance who indicated pay and to I free In a might Very nonperforming taking ability awarded and employees less. to level significant this portfolio We our as the benefits pricing in had go to our And their volume decided stable provided globe. importantly, benefits momentum sales. we time-off and who evening finally, also or volumes shifted they share. breaks XXXX part-time our market leave and flow they employee which step tenure. and for tenure loans both short-term those this were mental. telehealth our areas and expanded under these medical people were didn't employees. you this had month, of these went for paid service efforts and more We dental bridge robust share. period. medical, increased little are
operational the to business we ratio progress the roadmap on a and hit. made optimizing efficiency our to is we front continue in had increasing COVID cash Our due
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sure to of a in values accounting showed unprecedented and it's times PRA what core These hold no I'm work our our makes XXXX. employees' the and how in to proud am I industry. willingness this surprise employees dedication And and our so leader are principles hard is
the QX, $X.X million Core In out quarter. collected as year were In in cash increase of Americas, where record we were million, any And collections or highlights, well continue at and market their then, the rounding more by to our continued the estimated ERC and collections quarter in from to earlier Europe purchases quarter $XXX the other quarter we toward is in growth were share. collections, shift non-legal ended the Quarterly market remaining Europe, to record call center significant which more the followed over $XXX million U.S., million, fourth cash seasonal the than driven was as our the paused seeing legal collections. and which way $XXX from to still $XXX on a we're in core QX. digital. This that volumes fourth trends history. with typical in Moving fourth see is we make away but The Insolvency billion. quarter U.S. coming some
difficult extremely team remained Frankly, simply impressed social these they instead been offices are but Our which despite well proud productive. rightly during to been prior U.S. them have the I've productivity and strong ability years. that metrics levels in produced maintained XXXX, they U.S. of standards, I required keep productivity to and times. by of operational as our operations are their our had excess open distancing navigate capacity would in
$XX were status, work a XXXX and in weathered Similar portfolio in bankruptcy last have remains staff remains Americas and depressed rates before during never a the filings. continue but support quarter purchases result slightly without like as from home Total charge-off deliver of million. they Our missing to beat. to this quarter, the decreased
share a our and with However, we retained pricing. market pleased healthy are
current the As continued and into actions in stimulus. part year move conditions of XXXX, or we forbearance such expect of as programs, the market the given extension to first we the government potential continued the restrictions stimulus persist
very the year. However, could coming that with we we also expire supply programs these see to in months, in same increased believe set later
to I to regulatory our in move I the share environment Before Europe, the view want U.S. on
actions This as enhance and and Over customers the operational how hard we ensure business customer-friendly do to it's years, treat and time, challenging earlier. legislators doing regulators both discussed I our we our pride in do sharing practices, to we way understand right that public took employees. never we federal that are been to who our company, It's right we've practices which that. very during especially reasons procedures what and level our for we take been and policies more three about employees me for steps to and state the we our officials important with this educate and working them in things the how past that and clear at reflect included our a
purchases portfolio million. and collections the quarter $XXX Growth driven cash in a by XXXX. were in on the were Europe. Moving collections record Total to in made primarily in XXXX quarter strong cash
additional quarter, the during essential While operate many countries open. remained in and of instituted businesses lockdowns the we courts
not So impacted operations as the in as were they earlier year. were
in has supply of the But but as our seen strength similar Our European majority very European were work from capacity, credit market of $XXX team, to the the earlier in productivity. home back business normal improved. year. to little purchases is still operating and and impact to quarter at share and determination we've to Portfolio shifted million
throughout that to We continue in to delayed the XXXX. continue and expect this to we portfolios see year were earlier coming market
backstop provide NPL years rule, supply adequacy. Another three factor of went provide is this which rule, fully that originators into as XXXX. have part the of credit to for NPLs additional in default in will could EU capital within the effect their Under
are make regulation, As creditors option European implement loans attractive more selling banks rule, by for this years in this the NPLs and in impacted as more they to can come.
Additionally, Pete enabling Europe states. employers Europe. And U.S. we're in to stimulus programs than supply to we're see turn compared to that a employees the financial we'll through that go in as told, increased continue pipeline. like sooner our to in focused Government likely it's things And about paying the starting increase unemployment in rates seeing result, on consumers I'd optimistic are to direct over to now as results. to All
