Encore Capital Group, Inc. (NASDAQ:ECPG) Q4 2022 Earnings Conference Call February 22, 2023 5:00 PM ET Company Participants Bruce Thomas - Vice President, Global Investor Relations Ashish Masih - President and Chief Executive Officer Jonathan Clark - Executive Vice President and Chief Financial Officer Ryan Bell - President, Midland Credit Management Craig Buick - Chief Executive Officer, Cabot Credit Management Group Conference Call Participants Mike Grondahl - Northland Capital Markets Mark Hughes - Truis ...