Abolish NJ Medical Debt In Honor of Steve Sisco - RIP Medical Debt

Abolish NJ Medical Debt In Honor of Steve Sisco

$2,278.20
raised of $10,000 goal
22%
Donate by Check
Campaign Created ByJordan and Ciara Sisco

The Problem 

In the past forty years, medical costs have doubled, insurance copays and deductibles have spiked, and individual bankruptcy rates have quadrupled, creating an avalanche of destructive medical debt. More than 60% of individual bankruptcies in America now have medical debt as a root cause and nearly 17% of New Jersey adults have medical debts that are passed due.

How You Can Help 

RIP Medical Debt uses your donations to purchase bundled medical debt portfolios in bulk on the secondary debt market and then forgives that debt at pennies on the dollar. On average, $1 is leveraged to abolish $100 in medical debt, and every donation through this page will be spent directly on abolishing medical debt in the state of New Jersey. 

RIP Medical Debt has a Charity Navigator 100% score with perfect scores for impact & results, accountability & finance, culture & community, and leadership & adaptability.  So far, they have relieved over $8.5 billion dollars in medical debt and helped nearly 5.5 million families in the process. 

Together with RIP Medical Debt, we’ve started a campaign to raise $10,000, which will abolish more than $1 million of medical debt throughout the state of New Jersey.  The campaign targets people most in need, including those who have a household income less than four times the federal poverty level, or medical debts that are 5 percent or more of their annual income.

Debt relief recipients will receive a letter from RIP Medical Debt at the end of this campaign informing them that their debt has been bought by a third party and erased with no strings attached. Recipients owe nothing on the debt and face no tax penalty.

Your donations will make a lasting difference in the lives of people experiencing the challenge of medical debt. Please help us reach our goal of raising $10,000 to abolish $1 million in NJ medical debt in memory of Steve Sisco.

Campaign Support Recipients
New Jersey
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$2,278.20
raised of $10,000 goal
22%
Donate by Check
  • Recent Donations
  • Donor Avatar
    Aaron B. just donated $106
  • Donor Avatar
    David S. just donated $106
  • Donor Avatar
    Anonymous just donated $21.50
  • Donor Avatar
    Anonymous just donated $5.60
  • Donor Avatar
    Anonymous just donated $26.80
  • Donor Avatar
    Christopher G. just donated $21.50
  • Donor Avatar
    Anonymous just donated $53.20
  • Donor Avatar
    Jimmy And Jess C. just donated $106

Fundraise for This Campaign

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

1 Active Fundraiser

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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