A Mission in Support of Healing - RIP Medical Debt

Abolish New Jersey Medical Debt Today

raised of $10,000 goal
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Campaign Created BySparta United Methodist Church

We believe in the right and duty of persons to work for the glory of God and the good of themselves and others and in the protection of their welfare in so doing; in the rights to property as a trust from God, collective bargaining, and responsible consumption; and the elimination of economic and social distress.

More than 100 million U.S. adults struggle with healthcare debt. It causes immense social and economic distress. We at Sparta United Methodist Church have seen the limits of our medical system and the toll it takes on individuals and their families. We were inspired by other efforts to abolish medical debt and moved to partner with RIP Medical Debt. RIP Medical Debt purchases medical debt from hospitals, healthcare providers, and collection agencies for a reduced rate, and then forgives it, transforming the lives of beneficiaries. Help us come together as a community and give back to each other. Let us contribute towards this mission in support of healing.

Who are the targets? 

  • Medical debt in collection for our neighbors in Sussex County and the greater New Jersey area who earn less than 4 times the poverty rate or whose debt is 5% or more of their income. 
  • Our goal is to raise $10,000, donated by members of the Sparta United Methodist Church and beyond, which could abolish nearly 1 million dollars in medical debt. 

What are the benefits?   

  • You can take a tax deduction for your donation. Learn more here.
  • The debt is removed from the credit reports of our neighbors and helps them recover their dignity as well as their health. 

“Do all the good you can, by all the means you can, in all the ways you can, in all the places you can, at all the times you can, to all the people you can, as long as you can.

John Wesley (1703-1791)
Campaign Support Recipients
New Jersey
Sussex County, New Jersey
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raised of $10,000 goal
Donate by Check
  • Recent Donations
  • Donor Avatar
    Jorge C. just donated $10.90
  • Donor Avatar
    Anonymous just donated $58.50
  • Donor Avatar
    Ken M. just donated $20
  • Donor Avatar
    Michelle C. just donated $106

New research on the impacts of medical debt

A new survey published by PerryUndem in 2023 shows that medical debt is a shared experience for patients across the country.

Key Findings

Patients are making tradeoffs that affect their daily lives.
  1. Nearly 7 in 10 Nearly 7 in 10 U.S. adults say they receive medical bills they cannot afford. Many are forced to delay paying the bill, put it on a credit card, or challenge the bill.
  2. 6 in 10 Six in ten patients report they have self-treated, delayed, or skipped dental and medical appointments. Thirty-four percent report changing the foods they eat or eating less food to afford health care.
People and patients feel trapped in debt and see no way out. They see medical debt as different from other forms of debt - entirely the fault of institutions and systems, and not something consumers have any control over.
  1. Nearly 50% Nearly half feel trapped and believe they will never be able to pay off their debt, while a third of respondents reported feeling heightened depression and anxiety.
  2. Nearly 9 in 10 Nearly 9 in 10 blame the health care industry for fueling the medical debt crisis - not patients themselves. They say the problem stems from the system putting profit over patients.

Fundraise for This Campaign

Start a fundraiser to help those in need. Set a personal fundraising goal and track online donations easily with RIP.

How RIP Works

Over a hundred million Americans, one in three, struggles with the weight of medical debt.

  • You make a donation

    We use data analytics to pinpoint the debt of those most in need: households that earn less than 4x the federal poverty level (varies by state, family size) or whose debts are 5% or more of annual income.

  • RIP buys medical debt at a steep discount

    We buy debt in bundles, millions of dollars at a time at a fraction of the original cost. This means your donation relieves about 100x its value in medical debt.

  • Together we wipe out medical debt

    People across the country receive letters that their debt has been erased. They have no tax consequences or penalties to consider. Just like that, they’re free of medical debt.

Frequent Questions

Yes. We are a 501(c)(3) charity and your donation is 100% tax deductible.

Relevant Documents:

When we purchase a portfolio of medical debt, we abolish debt for individuals who:

  • Earn less than 4x the federal poverty level (varies by state, family size).
  • Debts are 5 percent or more of annual income.

We only buy debt that has been pre-qualified by our partners to meet at least one of these criteria. 

We never collect on debt we purchase, only relieve it.

No. With your help, we abolish medical debt permanently. Recipients have no adverse tax consequences, obligations, or strings attached.

For those whose medical debts are relieved, the relief is a gift from a detached and disinterested third party (RIP) as an act of generosity, so relief of the debt does not count as income to the debtor. We will not file a Form 1099-C with the IRS.

Due to HIPAA laws, RIP Medical Debt cannot disclose the names, contact information or any other specific details of the debt relief beneficiaries.

RIP Medical Debt cannot relieve debt by individual request.

While we would love to help everyone who needs assistance, RIP Medical Debt cannot abolish medical debt for specific individuals. We approach the problem of medical debt by acquiring large portfolios of debt to help thousands of people at once.

Because medical debt affects so many people who may not have debt accounts in the portfolios we purchase, we have compiled a list of resources that may be able to help in ways RIP Medical Debt cannot.

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