Gift of Grace - RIP Medical Debt

$2,279.30
raised of $10,000 goal
22%
Donate by Check
Campaign Created ByIndianola First United Methodist Church

Indianola First United Methodist Church and Center Chapel United Methodist in Iowa have partnered with RIP Medical Debt in an effort to give a GIFT of GRACE this Lenten season. This gift makes a HUGE impact in people’s lives — lives of hardworking families who are currently struggling because of outstanding medical debt.  

Here’s how it works:

  • You make a donation.  
  • Through our partnership with RIP Medical Debt (a 501c3 non-profit) your gifts are used to purchase discounted hospital debt at an average of $1 for $100 worth of debt.   This means your donation relieves about 100 times its value of medical debt. 
  • RIP uses data analytics to identify those most in need: households that are at or below 4 times the federal poverty level and those whose debt is 5% or more of their annual income. 
  • These households are notified that their debt has been forgiven, tax-free
    … A Gift of Grace!

What a difference we can make in the lives of our fellow Iowans!  A Gift of Grace that removes debt from folks’ credit reports helping them regain financial footing, dignity and peace of mind.

Please join us in meeting our goal of raising $10,000 to eliminate $1,000,000 (one million dollars) worth of debt.  Together, during this Lenten season, we can transform the lives of Iowans struggling with burdensome medical debt — we can give A Gift of Grace! 

Campaign Support Recipients
Iowa
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$2,279.30
raised of $10,000 goal
22%
Donate by Check
  • Recent Donations
  • Donor Avatar
    Cyd D. just donated $106
  • Donor Avatar
    Anonymous just donated $53.20
  • Donor Avatar
    Mary C. just donated $42.60
  • Donor Avatar
    Anonymous just donated $106
  • Donor Avatar
    Greg And Shelly P. just donated $125
  • Donor Avatar
    Marvin & Lois Van W. just donated $500
  • Donor Avatar
    Marlys L. just donated $96
  • Donor Avatar
    Cecilia R. just donated $58.50

New research on the impacts of medical debt

A new survey published by PerryUndem in 2023 shows that medical debt is a shared experience for patients across the country.

Key Findings

Patients are making tradeoffs that affect their daily lives.
  1. Nearly 7 in 10 Nearly 7 in 10 U.S. adults say they receive medical bills they cannot afford. Many are forced to delay paying the bill, put it on a credit card, or challenge the bill.
  2. 6 in 10 Six in ten patients report they have self-treated, delayed, or skipped dental and medical appointments. Thirty-four percent report changing the foods they eat or eating less food to afford health care.
People and patients feel trapped in debt and see no way out. They see medical debt as different from other forms of debt - entirely the fault of institutions and systems, and not something consumers have any control over.
  1. Nearly 50% Nearly half feel trapped and believe they will never be able to pay off their debt, while a third of respondents reported feeling heightened depression and anxiety.
  2. Nearly 9 in 10 Nearly 9 in 10 blame the health care industry for fueling the medical debt crisis - not patients themselves. They say the problem stems from the system putting profit over patients.

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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