In the Matter of the Unlicensed Debt Collection Activity of PurCo Fleet Services, Inc

Syllabus

1. An entity that seeks to receive payment on any pecuniary obligation for others, including a rental-vehicle damage claim, is engaged in the collection of \any . . . other indebtedness\ and thus is a \collection agency\ under Minn. Stat. § 332.31, subd. 3 (2024), regardless of whether such indebtedness is liquidated. 2. An entity that agrees to undertake efforts to collect a debt originally owned by another and remit to the original debtholder some or all amounts collected on that indebtedness is engaged in collection \for others\ and thus is a \collection agency\ within the meaning of Minn. Stat. § 332.31, subd. 3. 3. An entity that contracts with a Minnesota business to undertake efforts to collect a debt for the benefit of another or engages in debt collection originating from a transaction occurring in Minnesota is subject to regulation under Minn. Stat. §§ 332.31-.44 (2024), Minnesota's collection agency statutes. Affirmed.