Arkansas - RIP Medical Debt

Abolish Arkansas Medical Debt

Every dollar you donate forgives $100 in Medical Debt

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Campaign Created ByRIP Medical Debt
The Problem

In the past forty years, medical costs have doubled, insurance copays and deductibles have spiked, and bankruptcy rates have quadrupled, creating an avalanche of destructive medical debt. More than 60% of bankruptcies in America have medical debt as a root cause.

The problem is especially dire in Arkansas. A 2017 study by the Urban Institute found Arkansas had one of the highest rates of medical debt in the country.

American icons like Johnny Cash and Maya Angelou knew the beauty of Arkansas: not just the hot springs and pine trees, but the spirit of community that holds the state together. Often, that community of family, friends, and strangers, comes together when someone is sick, to take care of them and to help with their medical bills. But, when one trip to the hospital can cost tens of thousands of dollars, the community can only do so much. Instead of enjoying beautiful Arkansas, from Thorncrown Chapel to Buffalo National River, debtors may spend years working nights and weekends to keep up with escalating interest payments on a debt they can never quite pay off.

How You Can Help

RIP Medical Debt uses your donations to purchase bundled medical debt portfolios 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 Arkansas.

When debt relief recipients open the yellow envelope from RIP, they are told that their debt has been bought by a third party and erased with no strings attached. They owe nothing on the debt and face no tax penalty. A recent beneficiary wrote to us, saying:

“I read my letter over a few times to make sure it was the real thing. Receiving this debt relief renewed my faith that I can get back on track. It jump-started it – that we can do this – I can get back in the game! It’s unheard of what RIP does, and it’s a game changer in the medical world. It’s a game changer for me.” 

— Reagan, RIP Medical Debt Recipient of Debt Relief

Every dollar you contribute is a $100 investment in Arkansan towns and cities. Money will stay in the community instead of being taken by out-of-state debt collectors. On average, $15.83 can abolish the medical debt of an entire family in Arkansas, allowing them to invest in a home, schooling, or retirement.

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    Robert S. just donated $256.62
    I was born and raised in Arkansas and I will always be an Arkansan. I hope this lightens someone\'s burden.
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How RIP Works

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 income is below twice the federal poverty line or are insolvent.

RIP buys medical debt at a steep discount

Your donations allow us to buy debt in bundles. That allows us to buy debt at a fraction of the original cost. So whatever you donate has 100x the impact.

Together we wipe out medical debt

People receive a letter that their debt is gone. No taxes. No penalties. 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 2x the federal poverty level (varies by state, family size).
  • Debts are 5 percent or more of annual income.
  • Facing insolvency — debts are greater than assets.

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

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

Learn more about how RIP works in this short video.

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 forgiven, the forgiveness is a gift from a detached and disinterested third party (RIP) as an act of generosity, so forgiveness 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 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.

Ready to start a debt forgiveness campaign of your own? Start a Campaign