 Many states' laws regulate the debt collection industry and give consumer debtors more extensive protection from abusive and deceptive practices.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...[However], a creditor does not include a person who received an assignment or transfer of a debt in default."