Freedom for Christmas
Hope joins with faith communities nationwide to forgive $500 million in medical debt during Christmas Week. Our $3,000 Advent goal kicks off a year-long goal in 2022 to raise $10,000 for our 10th year of ministry — eradicating $1 million of medical debt in a local community.
Your gift of $100 forgives $10,000 of medical debt for someone in crisis. Your gift of $10 forgives $1,000. Let’s give families a miraculous Christmas gift!*
* Hope humbly requests that — should we reach our $3,000 Christmas goal and you’d still like to contribute — you consider designating gifts for RIP through Hope rather than on this page so we can begin working toward our fundraising goal of $10,000 in 2022.
Campaign Support Recipients
This fundraiser supports a campaign: A Nation That Cares.
Join Our Campaign Now! There are millions of families in the US currently strapped by medical debt. Imagine having that weight on your shoulders, while still recovering from health issues, trying to support your family with through inflation, global unrest and uncertainty. Your church can provide relief to 403,104 of these families who are struggling with medical debt. They each owe an average of $1,000 for medical treatment, and you can wipe it away right now with RIP Medical Debt’s Lenten campaign – A Nation that Cares. We all have a close friend or a relative who requires ongoing care for cancer, diabetes, or heart disease. They walk into […]
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How RIP Works
Over a hundred million Americans, one in three, struggles with the weight of medical debt.
Here’s how we lift them up.
You make a donation
With every donation, RIP uses its precise data analytics to pinpoint the medical debt of those most in need of relief: households whose incomes are less than four times the federal poverty level guideline or with medical debt representing at least 5% of gross income.
RIP buys medical debt at a steep discount
Your donations allow us to buy debt in bundled portfolios, millions of dollars at a time at a fraction of the original cost. On average, whatever you donate has 100x the impact.
Together we wipe out medical debt
People across the country receive a letter that their debt is gone. No taxes. No penalties. Just like that, they’re free of medical debt.
Yes. We are a 501(c)(3) charity and your donation is 100% tax deductible.
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.