Birthday Fundraiser for Massachusetts - RIP Medical Debt

Birthday Fundraiser for Massachusetts

Every dollar you donate abolishes $100 in Medical Debt

$5,517.28
raised of $5,000 goal
110%
Grace Nicolette
GN
Campaign Created ByGrace Nicolette

Hello old friends, new friends, and listeners of Giving Done Right! I hope to raise $5,000 for my 44th birthday to eliminate approximately $500,000 in medical debt in my state. Medical debt is a crushing burden for so many, and I love that RIP Medical Debt has a proven track record. I also love that they don’t call it “forgiving” the debt, because these community members did absolutely nothing wrong by seeking healthcare. Medical debt isn’t the result of bad decisions. It’s a debt of necessity. Learn more below, and please join me on this worthy quest by donating $44 (or another amount) today. Thank you! – Grace Nicolette

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 effects of high healthcare costs are dire everywhere, including in Massachusetts. A 2019 state study found that 1 in 6 MA residents carried medical debt.

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 Massachusetts. With approximately $1.4 million of medical debt available throughout the state, there is ample opportunity to make a difference. 

When we purchase a portfolio of medical debt, we abolish debt for individuals who meet at least one of the two criteria: earnings at or less than 4x the federal poverty level (varies by state, family size) OR have debts that are 5% percent or more of their annual income.

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, Debt RElief REcipient of RIP Medical Debt

Every dollar you contribute is a $100 investment the ability for someone to have a fresh start. On average, $8.87 will wipe out the debt associated with a single billing account. Money will stay in the community instead of being taken by out-of-state debt collectorsAll donations are tax-deductible. Please join us today!

Campaign Support Recipients
Massachusetts
  • Recent Donations
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    Jeff & Mary Elizabeth K. just donated $51.49
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    Roger T. just donated $51.49
    happy belated birthday grace
  • Donor Avatar
    Nora C. just donated $500
  • Donor Avatar
    Nora C. just donated $5
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    Emily H. just donated $51.49
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    Chia-Ming C. just donated $256.62
  • Donor Avatar
    Willson T. just donated $500
    Happy Birthday Grace!
  • Donor Avatar
    Emily J. just donated $256.62
    Happy birthday Grace and thanks for raising money for this worthy cause.
$5,517.28
raised of $5,000 goal
110%
  • Recent Donations
  • Donor Avatar
    Jeff & Mary Elizabeth K. just donated $51.49
  • Donor Avatar
    Roger T. just donated $51.49
    happy belated birthday grace
  • Donor Avatar
    Nora C. just donated $500
  • Donor Avatar
    Nora C. just donated $5
  • Donor Avatar
    Emily H. just donated $51.49
  • Donor Avatar
    Chia-Ming C. just donated $256.62
  • Donor Avatar
    Willson T. just donated $500
    Happy Birthday Grace!
  • Donor Avatar
    Emily J. just donated $256.62
    Happy birthday Grace and thanks for raising money for this worthy cause.

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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