Encore Capital Group Inc (ECPG) Q4 2020 Earnings Call Transcript
Operator Ladies and gentlemen, thank you for standing by. And welcome to the Encore Capital Group's Q4, 2020 Earnings Conference Call.[Operator Instructions] I would now like to hand the conference over to your speaker today, Mr. Bruce Thomas, Vice President of Investor Relations. You may go ahead, sir. Bruce Thomas -- Vice President of Investor Relations Thank you, Operator. Good afternoon, and welcome to Encore Capital Group's fourth quarter 2020 earnings call. Joining me on the call today, are, Ashish Masih, our President and Chief Executive Officer; Jonathan Clark, Executive Vice Preside...