What did the court decide in Henson v. Santander Consumer USA Inc.?
Answered for: US
All that matters is whether the target of the lawsuit regularly seeks to collect debts for its own account or does so for "another."
The Court held that a company collecting debts it purchased for its own account is not for that reason a 'debt collector' under the FDCPA definition at issue.
This answer is true in US and nowhere else on this site. Another jurisdiction is another answer, or an honest gap: see what has been read for US.