Abolish Kentucky's Medical Debt - RIP Medical Debt

raised of $11,000 goal
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Campaign Created ByKentucky Voices for Health

Abolish Kentucky’s Medical Debt


Healthcare costs and health disparities are at an all-time high and continue to grow. No one chooses to get sick or hurt, and seeking care shouldn’t result in years of debilitating debt and low credit scores. Medical debt is the number one reason for personal bankruptcy, and Kentucky is 10th in the nation for individuals with a medical bill in collection.

More than half of Kentuckians experienced a financial healthcare burden before the pandemic, and 1 in 3 Kentuckians struggle to pay medical bills. Living expenses are higher than wages for more than half of all Kentucky households. When you’re living paycheck to paycheck, there’s no financial wiggle room for unexpected bills. Most Kentuckians are just one emergency away from a financial crisis, leading to a cycle of debt collection that can feel inescapable.


Kentucky Voices for Health (KVH) is a nonpartisan coalition of consumer health advocates dedicated to addressing the root causes of poor health in the commonwealth through policy advocacy. We believe that every Kentuckian deserves access to high quality, affordable healthcare without barriers.  


KVH advocates for much-needed reform to empower consumers and curb spiraling healthcare costs, and while policy change is necessary to address the systemic issue of medical debt, we also recognize that for many Kentuckians, the need is immediate and urgent. That’s why we’re partnering with RIP Medical Debt to use your donations to forgive the available delinquent debt in Kentucky for pennies on the dollar. 

One dollar eliminates more than $100 in medical debt, and our current goal of $11,000 will be used to eliminate more than $1.8 million in medical bills. Join us in erasing local medical debt in Kentucky, protecting the lives and livelihoods of some of Kentucky’s most vulnerable families, individuals, and communities.

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raised of $11,000 goal
Donate by Check
  • Recent Donations
  • Donor Avatar
    Fred And Linda M. just donated $21.50
  • Donor Avatar
    Anonymous just donated $10.90
  • Donor Avatar
    Anonymous just donated $26.80

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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