Bending the FDCPA to the Breaking Point: 3rd Cir. Broadens Scope in Ruling Creditor is a Debt Collector brandingarc2019-03-19T06:35:14-04:00 An entity whose principal business is to purchase debt, but Bending the FDCPA to the Breaking Point: 3rd Cir. Broadens Scope in Ruling Creditor is a Debt Collectorbrandingarc2019-03-19T06:35:14-04:00