# BRD-282 — Debt collection, debt relief and credit repair brands are not carried

> A brand whose business is third-party debt collection, debt consolidation or relief, or credit repair must not be registered for A2P messaging.

- **Rule ID:** BRD-282
- **Layer:** Brand (`BRAND`)
- **Checks:** `brand.vertical + brand fields + website content`
- **Severity:** BLOCKING — Breaking this rule gets the submission rejected outright.
- **When it bites:** Gates approval — get this wrong and registration is refused
- **How it is detected:** AI judgement over the submitted form
- **Fix type:** Hard stop — not remediable, resubmission will not help
- **Required by:** Bird, Infobip, Sinch
- **Applies:** Applies to every 10DLC registration.
- **Canonical URL:** https://ekas.io/rules/10dlc/brand/brd-282/

## Why this rule exists

These are refused even with documented first-party consent, which is unusual and worth stating plainly: the category is excluded because the consumers reached are in financial distress and the sector has a long history of deceptive practice, so the consent record does not rescue it. Operators who have carefully collected written agreements from enrolled clients are the ones most surprised.

## How to fix it

Third-party debt and credit-repair businesses cannot be registered, and a signed client agreement does not change that. A business chasing its own invoices should say so explicitly in the brand description, because that is first-party collection and is a different thing.

## Provider rejection codes

| Provider | Code | Resubmission allowed |
| --- | --- | --- |
| Sinch | `7010` | no |

## Notes

Refused "even with first-party consent" in the catalog, which is why the remediation says so rather than suggesting better consent records. The campaign-content twin is MSG-DEBT, which carries the same first-party carve-out.