FAIR DEBT COLLECTION PRACTICES ACT
15 U.S.C. 1692 § 803 (4)
(4) The term "creditor" means any person who offers or extends credit
creating a debt or to whom a debt is owed, but such term does not
include any person to the extent that he receives an assignment or transfer
of a debt in default solely for the purpose of facilitating collection of such
debt for another.