Abolish Medical Debt in Central Virginia - RIP Medical Debt

Help Abolish Medical Debt Today

Every dollar you donate forgives $100 in Medical Debt

$472
raised of $10,000 goal
4%
Donate by Check
Campaign Created ByNatalie Stickel

Abolish Medical Debt in Central Virginia

No one should have to choose between food and housing or paying for healthcare. We are residents of Richmond, Virginia, living on the stolen ancestral lands of the Powhatan people, and we’re partnering with RIP Medical Debt to purchase and abolish millions of dollars of medical debt in Central Virginia.

Why Is This Needed?

According to Census Bureau survey data, 19% of US households couldn’t afford their medical care up front or when they received care in 2017.

This debt disproportionately affects folks who’ve historically and currently bear the brunt of discrimination, racism, and classism within and beyond the medical industry. Furthermore, “households with children under age 18 (24.7%) were more likely than those without children (16.5%) to carry medical debt.” Of course, much of this disparity has only worsened during the COVID-19 pandemic.

Regionally, residents of Southern states owe hospitals and providers roughly three times as much as those in the Northeast, according to a study in the Journal of the American Medical Association. On the Medical Debt Policy Scorecard, Virginia ranks “poor” and 33rd out of 50 states. The Richmond-Times Dispatch reported in 2022 that 1 in 7 Virginians has medical debt in collections, yet efforts to improve these dismal stats continue to be thwarted.

How Can I Help?

When you donate to a RIP Medical Debt campaign, funds are used to buy bundled medical debt portfolios from local hospitals and from what’s called the secondary debt market. Then, instead of what usually happens when debt is purchased on the market (hounding people for their last dollar to pay outstanding bills), RIPMD sends folks letters informing them that their debt is cleared. Recipients owe nothing, and there are no tax penalties.

On average, $1 is leveraged to abolish $100 in medical debt, and every donation through this campaign will be spent directly on abolishing medical debt in the City of Richmond, City of Petersburg, Henrico County, and Chesterfield County, Virginia.

Between these four localities, RIP Medical Debt has access to around $12.9 million worth of medical debt that is being held by around 19,000 individuals. To abolish ALL of it, we need to raise $71,000, hence our campaign goal. At a minimum, we need to raise $10,000 to abolish debt specific to these localities. However, even if the $10k goal is not met, all raised funds still go directly to abolishing medical debt for U.S. residents.

“I want to thank the people at RIP Medical Debt and the generous donor for abolishing my debt. I am a single mother who works full-time just to make ends meet. Not having this debt hanging over my head is a relief. Thank you again. This gives me the ability to focus on my son and not stress!” – G.L. of Dallas, GA. Amount abolished: $1,001

Campaign Support Recipients
Central Virginia
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$472
raised of $10,000 goal
4%
Donate by Check
  • Recent Donations
  • Donor Avatar
    John F. just donated $50
  • Donor Avatar
    Logan P. just donated $50
  • Donor Avatar
    Anonymous just donated $212
  • Donor Avatar
    Anonymous just donated $21.50
  • Donor Avatar
    Anonymous just donated $53.20
  • Donor Avatar
    Anonymous just donated $58.50
  • 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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