No third-party debt collection, relief, or credit repair content

The requirementstatement

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

Severityseverity: BlockingBLOCKINGBreaking this rule gets the submission rejected. There is no partial credit.
When it bitesphase: Gates approvalapprovalGet this wrong and the brand or campaign is refused at registration.
What is checkedobject: campaign.description + campaign.sample[] + campaign.message_flow
Where it liveslayer: Message contentMESSAGE_CONTENT
How Ekas settles itdetectability: AI · formAI_FORM; A semantic question about what you wrote: whether a description matches a use case, whether a name looks like a filed entity. Judged by a model against written criteria.
What the fix involvesfailureClass: Hard stopHARD_STOP; Not remediable. Resubmitting will not help, and anyone offering to fix it is selling you a rejection.
Who requires itauthorities: TwilioTCRT-MobileAT&TCTIA
When it appliesapplicabilityText: Applies to every 10DLC registration.

Why this rule existsrationale

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 itremediation

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 codescodes

The code you get back when this rule is what failed, and whether that provider lets you resubmit.

Provider	Code	Resubmit
Twiliogen2	30943	No
Twiliogen2	30949	No
Twiliogen2	30950	No

Notesnotes

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.

Rules you will hit next

6 other rules read campaign.description + campaign.sample[] + campaign.message_flow. Fixing one field to satisfy a single rule is how a resubmission trades one rejection for another, so read these before you change anything.

MSG-137No unsolicited bulk messagingBlockingBLOCKING MSG-161SHAFT screening covers every campaign field, not a sample of themBlockingBLOCKING MSG-164No underage, non-consensual or illegal sexual themesBlockingBLOCKING MSG-170No content promoting, glorifying or inciting violenceBlockingBLOCKING MSG-182No explosives, fireworks or pyrotechnics contentBlockingBLOCKING MSG-183No weapons that are not legal in all fifty statesBlockingBLOCKING

All message content rules

MSG-DEBT is one of 122 message content rules in the 915-rule 10DLC registry. Free to cite under CC BY 4.0.