---
page_type: error
code: 30460
message: >-
  30460: Toll Free verification rejection - Disallowed: Third Party Debt
  Collection
level: ERROR
product: Programmable Messaging
---

## Description

The Toll-Free phone number verification submission has been reviewed and it was rejected. Effective Jan 31st, 2024, messaging traffic on this Toll-Free number is blocked until it's verified.

Verification is one component of ensuring A2P SMS is used by businesses in a legal and compliant manner. The review process looks at the business sending messaging (not the software powering it), the use case, sample content, the web presence, the opt-in/consent collected and associated website terms and privacy policies.

### Possible Causes

The toll-free phone number cannot be verified because the submission indicated that the business is associated with or the toll-free verification submission indicated a forbidden messaging category (Debt collection or forgiveness: Third party debt collection). Third party debt collection is not permitted, consent must be obtained directly from end-users.

"Third-party debt collection" means originating from any party other than the one who is owed the debt. For example, a hospital could send messages regarding bills for its own patients, assuming they provided opt-in to receive that messaging.

Debt consolidation, debt reduction and credit repair programs are prohibited regardless if there is first-party consent.

Note: While third party debt collection is not permitted, a debt collection business that has direct consent from a consumer to send related content may do so.

### Possible Solutions

If you are confident that your business and messaging use case does not fit into forbidden message categories, contact Twilio Support to provide Additional Information that explains your use case.

[Forbidden Message Categories](https://support.twilio.com/hc/en-us/articles/360045004974-Forbidden-message-categories-for-SMS-and-MMS-in-the-US-and-Canada)

[Why was my Toll Free Verification Rejected?](https://support.twilio.com/hc/en-us/articles/9321443984155-Why-Was-My-Toll-Free-Verification-Rejected)

[Required information for Toll-free verification](https://support.twilio.com/hc/en-us/articles/13264118705051-Required-Information-for-Toll-Free-Verification)

[Toll-Free best practices](https://support.twilio.com/hc/en-us/articles/360038172934-Information-and-best-practices-for-using-Toll-Free-SMS-and-MMS-in-the-US-and-Canada)

[Twilio's Messaging Policy](https://www.twilio.com/en-us/legal/messaging-policy)