OK, thanks.  this gloss seems more sensible

https://www.ifinance.ne.jp/glossary/loan/loa147.html

It appears to be a (legally questionable) service that is aimed at people who have an immediate need for cash. No coercion involved.
According to the explanation on the site linked above, the purchases are made at legitimate retailers, and then the 買取屋 buys those purchases at a reduced price so that he can then sell them at a higher price and hence make a profit.

@@ -18 +18 @@
-<gloss>person who exploits debtors by having them make expensive credit card purchases and buying the purchases from them at a fraction of the price (providing the debtors with immediate cash but ultimately saddling them with more debt)</gloss>
+<gloss>trader who provides cash to debtors by getting them to make expensive credit card purchases and then buying the purchases at a fraction of the price</gloss>

i don't get it.  the gloss makes it sound like a voluntary transaction.  i buy a PS5 for $2000, then sell it back to the merchant for $1200. i get $1200 cash in hand for the cost of $2000 (+interest), and the other person gets $800 (and gets to keep the PS5).  that's not "exploitative"; it's a voluntary transaction between two individuals.  sure i paid $2000 for my $1200 in hand, but that's also how a loan works (except with the $800 spread out over the future instead of paid in one lump sum in the present).

OTOH, the KOD definition says that individuals are "FORCED" to make these purchases.  in which case it *wouldn't* be voluntary and it *could* be exploitative.  but i don't understand how individuals would be *forced* to make purchases

KOD: 〔多重債務者にクレジットカードで高額商品を購入させて非常に安く買い取る業者〕 companies which exploit multiple debtors criminally by forcing them to make expensive credit card purchases and then buying the purchases at a fraction of the true price.

KOD uses 業者 and companies. Maybe "dealer"? I think the parenthesized part is not really needed.

I don't think they're companies.
I felt this needed a bit more detail to explain why someone in debt would do this.

@@ -18 +18 @@
-<gloss>companies exploiting debtors by forcing them to make expensive credit card purchases and buying the purchases at a fraction of the price</gloss>
+<gloss>person who exploits debtors by having them make expensive credit card purchases and buying the purchases from them at a fraction of the price (providing the debtors with immediate cash but ultimately saddling them with more debt)</gloss>