# 30943: Campaign rejected: Third-party debt collection content detected

Log Type: APPLICATION

Log Level: ERROR

## Description

Your A2P 10DLC campaign was rejected because it involves third-party debt collection messaging. Carrier policies prohibit A2P messaging campaigns where a third-party entity attempts to collect debts on behalf of another creditor via SMS/MMS. Third-party debt collection is heavily regulated under the Fair Debt Collection Practices Act (FDCPA) and is classified as a prohibited use case for A2P 10DLC campaigns.

### Possible causes

* **Third-party collection agency messaging:** The campaign is registered by a debt collection agency that collects debts owed to other companies or creditors.
* **Debt recovery solicitation:** The campaign content references debt recovery, past-due account collection, or payment demands on behalf of a third party.
* **FDCPA-regulated communications:** The campaign involves communications that fall under FDCPA third-party debt collection regulations, including balance notifications or settlement offers from a non-original creditor.

### Possible solutions

* The rejected campaign is **not eligible for resubmission**. A2P 10DLC campaigns involving third-party debt collection are prohibited under carrier guidelines.
* Note that first-party debt communications (where the original creditor contacts their own customers about outstanding balances) may be permissible under a different campaign use case. Consult Twilio documentation for guidance.
* If you believe this rejection was made in error, [contact support](https://support.twilio.com).

### Additional resources

* [A2P 10DLC Registration Guide](/docs/messaging/compliance/a2p-10dlc)
* [Campaign Registration Best Practices](https://help.twilio.com/hc/en-us/articles/11847054539547-A2P-10DLC-Campaign-Approval-Best-Practices)