# 30863: Verification rejection - Disallowed: Third Party Debt Collection

Log Type: APPLICATION

Log Level: ERROR

## Description

Twilio rejected your verification request because the submitted business or messaging program falls into a forbidden messaging category for SMS and MMS in the United States and Canada. Twilio reviews the business sending the messages, the use case, sample messages, web presence, opt-in or consent flow, and related terms and privacy policy during verification.

### Possible causes

* Your submission states or implies that your business collects debt on behalf of another company, provider, or creditor.
* Your website, terms, privacy policy, or sample messages indicate third-party debt collection activity.
* Your use case includes debt consolidation, debt reduction, debt relief, or credit repair. These use cases are prohibited regardless of consent.
* Your submission doesn't clearly show that the sender is the party owed the debt and that consent was collected directly from the end-user.

### Possible solutions

* Don't use SMS or MMS for third-party debt collection or for prohibited debt relief programs.
* If you send first-party billing or account messages, update your verification details so they clearly identify the business that is owed the debt, explain how you collect consent directly from recipients, and match the sample messages and website content you submitted.
* Review your website, terms, privacy policy, and message samples to make sure they don't suggest third-party collection, affiliate collection, or another prohibited debt-related use case.
* If the rejection doesn't reflect your actual use case, contact Support and provide clear `additionalInformation` that explains your business model, consent flow, and message purpose. You can also review `rejectionReason`, `errorCode`, and `editAllowed` in the verification API response.

#### Additional resources

* [Forbidden Message Categories in the US and Canada](https://help.twilio.com/articles/360045004974-Forbidden-Message-Categories-in-the-US-and-Canada-Short-Code--and-Long-Code)