{
  "id": "MSG-DEBT",
  "slug": "msg-debt",
  "title": "No third-party debt collection, relief, or credit repair content",
  "statement": "Campaign content must not promote third-party debt collection, debt relief, or credit repair services.",
  "rationale": "Third-party debt content combines a regulated activity with a high complaint rate, and carriers refuse it as a category. First-party collection — a business contacting its own customer about its own invoice — is treated differently, which is the distinction that decides whether your campaign is registrable.",
  "layer": "MESSAGE_CONTENT",
  "layerSlug": "message-content",
  "object": "campaign.description + campaign.sample[] + campaign.message_flow",
  "severity": "BLOCKING",
  "detectability": [
    "AI_FORM"
  ],
  "failureClass": "HARD_STOP",
  "authorities": [
    "Twilio",
    "TCR",
    "T-Mobile",
    "AT&T",
    "CTIA"
  ],
  "codes": [
    {
      "provider": "Twilio",
      "code": "30943",
      "remediable": false,
      "generation": "gen2"
    },
    {
      "provider": "Twilio",
      "code": "30949",
      "remediable": false,
      "generation": "gen2"
    },
    {
      "provider": "Twilio",
      "code": "30950",
      "remediable": false,
      "generation": "gen2"
    }
  ],
  "applicabilityText": "Applies to every 10DLC registration.",
  "universal": true,
  "remediation": "Third-party debt services cannot be registered. If you are collecting your own receivables from your own customers, say so explicitly in the description — that is a different, registrable category.",
  "notes": "Three Gen-2 codes, one per limb: 30943 third-party collection, 30949 debt reduction or consolidation, 30950 credit repair. All three are \"not eligible for resubmission\", so a rejection under any of them ends the campaign rather than starting a fix loop.",
  "catalogIds": [
    "MSG-218",
    "MSG-220"
  ],
  "phase": "approval",
  "automated": true,
  "url": "https://ekas.io/rules/10dlc/message-content/msg-debt/",
  "markdown": "https://ekas.io/rules/10dlc/message-content/msg-debt.md",
  "registry": "https://ekas.io/rules/10dlc/",
  "updated": "2026-07-25",
  "licence": "CC BY 4.0 — https://creativecommons.org/licenses/by/4.0/"
}