The Debt Collection Law in Massachusetts was modeled after the FDCPA and uses the Commission's definitions of debt collector to include debt buyers. Massachusetts and the FDCPA dismissed arguments that "collections must be for "another" or that a debt buyer is included within the definition of a "creditor" and therefore as a "creditor" would not be covered by the FDCPA..., a creditor does not include a person who received an assignment or transfer of a debt in default." Debt buyers are included in the definition, "any person who uses an instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of a debt, or who regularly collects or attempts to collect, directly or indirectly, a debt owed or due or asserted to be owed or due another."