### Question
What does creditor mean?


### Answer
**Creditor** has the following meaning in *15 U.S.C. § 1692a*:

> 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

#### Citation:
  - *15 U.S.C. § 1692a*
  - Heading: **CHAPTER 41-CONSUMER CREDIT PROTECTION > SUBCHAPTER V-DEBT COLLECTION PRACTICES**

