"Creditor." A person to whom a debt or obligation is owed from another whether such is payable in installments or otherwise.
"Debtor." A person who owes an obligation or debt to another whether such is repayable in installments or otherwise.
"Debt pooling." The making of a contract, express or implied, with a debtor or debtors whereby the debtor agrees to pay a sum of money periodically or otherwise to another person for the purpose of having such other person distribute the same among certain specified creditors in accordance with a plan agreed upon, or to be agreed upon, and whereby such other person shall receive a consideration for any such services rendered, or to be rendered, in connection therewith.
18 Pa.C.S. § 7312