Campaign created by Friend UCC Youth
United by the example of Jesus, we live faithfully, love limitlessly, and serve boldly.
Last summer, Friends UCC Youth spent our week-long mission trip participating in local service projects and learning about systemic injustice, one being medical debt in the United States. An estimated 43 million people in the U.S. are struggling with medical debt (that number exceeds the population of Canada). Medical debt is also the #1 reason people file for bankruptcy. The youth learned about RIP Medical Debt, and one campaign organized in Chicago. This collaborative ecumenical effort started by three UCC churches, as well as other local faith communities, eliminated $5.3 million in medical debt for nearly 6,000 families in the Chicago area.
“What does the Lord require of you, but to do justice, and to love kindness, and to walk humbly with your God?”Micah 6:8
After the youth group learned about this, they felt called to do something. So, they started asking, “Where do we start? What do we do?” One of them said, “I’ve got a thousand dollars saved up. We could start there.” One kid. That’s one teenager who can’t drive for another two years, can’t vote for another four years, can’t run for president for another 21 years. If they can wipe out $100,000 in medical debt by themselves, imagine what more can be done by those who follow that teenager’s lead.
This program benefits families whose incomes are 2x below the poverty level, and whose debts exceed 5% of their income. Every dollar donated eliminates $100 in medical debt, and together with local faith communities, we hope to wipe out $3,000,000 in medical debt for our neighbors in the Brazos Valley and surrounding counties in Texas.
- Recent Donations
- Friends Congregational Church U. just donated $5,000.20
- Nancy B. just donated $102.77
- Jackie W. just donated $1,000
- Jonathan M. just donated $100
- Thomas V. just donated $102.77
- Mary N. just donated $513.03
- Dwight & Kathleen R. just donated $1,025.85
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.
Here’s how we lift them up.
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 incomes are less than two times the federal poverty level guideline or with medical debt representing at least 5% of gross income.
RIP buys medical debt at a steep discount
Your donations allow us to buy debt in bundled portfolios, millions of dollars at a time at a fraction of the original cost. On average, whatever you donate has 100x the impact.
Together we wipe out medical debt
People across the country receive a letter that their debt is gone. No taxes. No penalties. Just like that, they’re free of medical debt.
Yes. We are a 501(c)(3) charity and your donation is 100% tax deductible.
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.
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.