Community UCC's Full to the Brim Lenten Campaign - RIP Medical Debt
Campaign Created ByCommunity United Church of Christ

We at Community United Church of Christ in Champaign, Illinois, would like to invite you to join us in a campaign to alleviate medical debt for individuals both in Illinois, where we are located, and in other places across our country! We have set our fundraising goal at $8,000, which would alleviate approximately $800,000 in medical debt, thanks to the efforts of RIP Medical Debt and donors like you!

Why are we doing this?  

Community United Church of Christ is a Peace with Justice Church. That means that we covenant to seek the ways of justice and peace so as to make a difference in the lives of all who experience injustice and violence in our nation and the world. As a church, we have made this public covenant for peace with justice since 1988. Medical debt in America is a huge issue of injustice. It destroys the financial stability of large segments of America’s most vulnerable communities: the sick, the elderly, the poor, and veterans. It also targets the middle class, driving many families into poverty. Medical debt is the #1 cause of consumer bankruptcy in the country. Medical debt is not the result of bad decisions by these families; it’s a debt of necessity.   

How does it work?

Medical debt is purchased in bundled portfolios from the secondary debt market and health care providers to relieve thousands of individuals at one time. To qualify to have debt relieved, someone must meet one of two qualifications:

  • earning at or less than 2x the federal poverty level
  • have debts that are 5% or more of annual income

Once RIP has pinpointed the portfolios for those in or near the poverty level, they use our donations to  buy up their debt. Then they send notices to the benefiting families, and subsequently help the recipients repair their credit reports – renewing their access to opportunities and resources that will allow them to rebuild and recover. 

How can I contribute? 

We, the members and friends of Community UCC, invite you to help make this possible.  Please know that every dollar, up to $2500 will be matched through the generosity of the CUCC Mission Team and a CUCC family. Give here, give today, and please, share on social media.  

Please join us in this endeavor and together we can do great things!!

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raised of $8,000 goal
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Fundraise for This Campaign

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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 four 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.

Who We Help

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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