Barbato v. Greystone Alliance, LLC
Court of Appeals for the Third Circuit
1Opinion of the Court
KRAUSE, Circuit Judge.
The Fair Debt Collection Practices Act ("FDCPA") protects consumers from abusive, deceptive, or otherwise unfair debt collection practices. 15 U.S.C. § 1692(a). It applies to "debt collectors," defined alternatively as those engaged "in any business the principal purpose of which is the collection of any debts" and those "who regularly collect[ ]" debts "owed or due another." Id. § 1692a(6). This appeal concerns only the first definition and requires us to determine whether an entity that acquires debt for the "purpose of ... collection" but outsources the actual…
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