Our headquarters is located at 3111 Camino Del Rio North, Suite 103, San Diego, California 92108 and our telephone number is (877) 445-4581. We were incorporated in Delaware in 1999. In addition, through our international subsidiaries, we maintain strong relationships with many of the largest credit providers in the European and the Latin American markets we serve.

We maintain strong relationships with many of the largest credit providers in the United States. We believe that our specialized knowledge, along with our investments in data and analytic tools, have enabled us to realize significant returns from the receivables we have acquired. We also have one of the industry’s largest databases of financially distressed consumers. We believe these business practices contribute to our ability to value portfolios accurately, avoid buying portfolios that are incompatible with our methods or goals, and align the accounts we purchase with our operational channels to maximize future collections. To address these challenges, we evaluate portfolios of receivables that are available for purchase using robust, account-level valuation methods, and we employ proprietary statistical and behavioral models across all our operations.

In fact, we generate payments from less than one percent of our accounts every month. As a result, descriptions of our international operations in Part 1 - Item 1 of this Form 10-K will not include a detailed discussion of our Latin American operations.Īlthough we have enabled millions of consumers to retire a portion of their outstanding debt, one of the debt collection industry’s most formidable challenges is that many financially distressed consumers will never make a payment, much less retire their total debt obligation. To date, operating results from our Latin America operations have not been significant to our total consolidated operating results. Beginning in December 2014, we began investing in non-performing secured residential mortgages in Latin America. In addition to operations in Colombia and Peru, we evaluate and purchase non-performing loans in other countries in Latin America, including Mexico and Brazil. Refinancia also specializes in non-traditional niches in the geographic areas in which it operates, including providing financial solutions to individuals who have previously defaulted on their obligations. In addition to purchasing defaulted receivables, Refinancia offers portfolio management services to banks for non-performing loans. (“Refinancia”), we are a market leader in debt collection and management in Colombia and Peru. Through our majority ownership interest in Refinancia S.A.

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