Jesus Loves You - RIP Medical Debt

Jesus Loves You

Help Abolish Medical Debt Today

Please donate anonymously. 

Whoever cares for the poor lends to the LORD, I who will pay back the sum in full.

Provers: 19:17

RIP Medical Debt utilizes campaign contributions to purchase bundled medical debt portfolios on the secondary debt market, and then abolishes that debt for pennies on the dollar. On average, $1 is leveraged to abolish $100 in medical debt, and every dollar donated to this campaign will be spent directly on abolishing medical debt in Illinois, Michigan, and nationally.

We’re seeking to raise $10,000 to wipe away $1,000,000 of medical debt for struggling individuals and families. 

More than 60% of all bankruptcies in the U.S. are directly related to medical debt. These debts are not the result of poor choices. 

Who qualifies to have their medical debt forgiven?

  1. Earn less than 2x the federal poverty level (varies by state, family size).
  2. Debts are 5 percent or more of annual income.

Just the fact that an individual owes medical debt, according to the Journal of the American Medical Association, decreases the likelihood that they will seek health care treatment.  

Testimonials from previous campaigns:  

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. Recent beneficiaries wrote to us, saying:

  • From Wesley: “I check my credit score on a weekly basis. This morning when I checked it, I was confused to see my only derogatory mark had mysteriously vanished and that my credit score went up. When I received your letter this afternoon. I was stunned. Thank you! In times of such derision in our country, it is very humbling to learn first-hand that there are still caring and generous people out there. Please extend my sincere gratitude to the donors responsible for this kind act.“
  • From Philip: “Anytime I went to the mailbox, it was this feeling of trepidation, ‘Oh no it’s going to be another bill. When I opened this up, I thought this might be one of those consolidation notices. So when I read what it actually said, it was amazing. It lifted a huge weight off. Thank you!” 
  • From Reagan: “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.” 
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Fundraise for This Campaign

Start a fundraiser to help those in need. Set a personal fundraising goal and track online donations easily with RIP.

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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 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.

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 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.

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