Consolidated Statements of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Operating activities:
Net income	$ 267,682	$ 275,118
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	35,134	37,694
Loss on extinguishment of debt	0	9,300
Other non-cash interest expense, net	11,984	13,677
Stock-based compensation expense	12,231	12,903
Deferred income taxes	2,127	(8,504)
Changes in recoveries	(179,293)	(176,628)
Other, net	14,319	18,003
Changes in operating assets and liabilities
Other assets	36,768	58,772
Accounts payable, accrued liabilities and other liabilities	(46,076)	(28,345)
Net cash provided by operating activities	154,876	211,990
Investing activities:
Purchases of receivable portfolios, net of put-backs	(569,032)	(473,013)
Collections applied to investment in receivable portfolios	567,775	803,185
Purchases of asset held for sale	(38,604)	(11,744)
Purchases of property and equipment	(21,068)	(24,163)
Other, net	20,257	18,543
Net cash (used in) provided by investing activities	(40,672)	312,808
Financing activities:
Proceeds from credit facilities	637,342	418,941
Repayment of credit facilities	(432,424)	(713,958)
Proceeds from senior secured notes	0	353,747
Repayment of senior secured notes	(29,310)	(349,355)
Repayment of convertible senior notes	(221,153)	(161,000)
Repurchase and retirement of common stock	(76,753)	(88,119)
Other, net	(18,394)	(24,929)
Net cash used in financing activities	(140,692)	(564,673)
Net decrease in cash and cash equivalents	(26,488)	(39,875)
Effect of exchange rate changes on cash and cash equivalents	(16,122)	8,934
Cash and cash equivalents, beginning of period	189,645	189,184
Cash and cash equivalents, end of period	147,035	158,243
Supplemental disclosure of cash information:
Cash paid for interest	94,828	100,335
Cash paid for taxes, net of refunds	$ 63,710	$ 42,815