Held that a business engaged in nonjudicial foreclosure proceedings was not a "debt collector" under the Fair Debt Collection Practices Act. A homeowner claimed that the business violated certain statutory requirements in carrying out a foreclosure on behalf of a lender. Rejecting this argument, the U.S. Supreme Court held that the Act was inapplicable to this nonjudicial foreclosure proceeding. Justice Breyer delivered the opinion for a unanimous Court, clarifying the statute's definition of debt collector.