Sometimes a collector will encourage the debtor to take out a loan—particularly a home equity loan—to pay the debt in question. The collector may even refer the debtor to a specific lender, or act as a go-between, for example by setting up a three-way call with the debtor, the lender, and the collector. In this situation, the collector may be violating state laws that require loan brokers to be licensed. The definitions and exemptions in these statutes vary widely, however, so the specific statutory language should be parsed carefully.