Who Can Be a Debt Collector?

ABC

The Fair Debt Collection Practices Act (FDCPA) defines a debt collector as any person who regularly collects or attempts to collect debts owed to another person. Based on this definition, option B is the correct answer. It is important to note that the term "person" can include individuals, partnerships, corporations, and other legal entities.

Option A is not entirely accurate because it focuses on the principal purpose of a business rather than the regularity of debt collection activity. While a business whose primary purpose is debt collection would likely be considered a debt collector under the FDCPA, the reverse is not necessarily true. A business engaged in other activities could still qualify as a debt collector if it regularly collects or attempts to collect debts owed to another person.

Option C is also incorrect because it describes a creditor who collects its own debts using a different name, which is not considered debt collection activity. However, if the creditor regularly collects debts owed to others in addition to its own debts, it may be considered a debt collector for those activities.

Option D is not relevant to the definition of a debt collector under the FDCPA. An individual's ancestral history has no bearing on whether they are considered a debt collector.