# MSG-DEBT — No third-party debt collection, relief, or credit repair content

> Campaign content must not promote third-party debt collection, debt relief, or credit repair services.

- **Rule ID:** MSG-DEBT
- **Layer:** Message content (`MESSAGE_CONTENT`)
- **Checks:** `campaign.description + campaign.sample[] + campaign.message_flow`
- **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:** Twilio, TCR, T-Mobile, AT&T, CTIA
- **Applies:** Applies to every 10DLC registration.
- **Canonical URL:** https://ekas.io/rules/10dlc/message-content/msg-debt/

## Why this rule exists

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.

## How to fix it

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.

## Provider rejection codes

| Provider | Code | Resubmission allowed |
| --- | --- | --- |
| Twilio (gen2) | `30943` | no |
| Twilio (gen2) | `30949` | no |
| Twilio (gen2) | `30950` | no |

## 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.