Help Provide Relief to Neighbors in Need
Every dollar you donate forgives $100 in Medical Debt
As Christians, we follow Jesus who revealed to us a new pathway of living marked by love for our neighbor and the stranger. After discerning God’s call to serve those who are the neediest among us, two local Christian communities, St. James Episcopal Church (Westwood) in Cincinnati, Ohio and St. Paul’s Episcopal Church in Newport, Kentucky are teaming up with RIP Medical Debt to wipe out approximately $2,400,000.00 of outstanding medical debt in Kentucky, Southwest Ohio, and beyond.
Why? We know that for individuals and families already under the stress of illness, the added impact of unpaid medical bills can be devastating. In addition to amplifying stress and mental health issues, there is a very real possibility of wage garnishment, eviction, foreclosure, and bankruptcy. In fact, medical debt contributes to more than 60% of bankruptcies in the United States. Until satisfied, debt lingers on a person’s credit report to impact everything from starting utilities, getting a loan, securing employment, and to purchasing a vehicle.
How does medical debt relief work?
RIP Medical Debt purchases unpaid and un-payable debt at significantly reduced rates. The dollars we donate are used to pay off that debt. For every dollar donated, $100 of debt is abolished forever.
How much will it take?
The $24,000.00 we raise will eliminate approximately $2.4 million dollars of unpaid medical debt in Kentucky, Southwest Ohio, and beyond. Those who receive this no-strings gift will receive a letter explaining that they are no longer responsible for the specified debt. RIP Medical Debt will also report the resolution to credit bureaus so that damaged credit can be repaired. Could you imagine the relief this provides to the recipient? We call that grace.
We can do this!
Your tax-deductible contribution of $1 abolishes $100 of debt! Just click DONATE to make a real difference in Kentucky and Ohio.
We pray and know that God will abundantly bless your generosity. Thank you.
St. James Episcopal Church (Westwood), Cincinnati, Ohio
St. Paul’s Episcopal Church, Newport, Kentucky
Campaign Support Recipients
- Richard C. just donated $400
- Phil H. just donated $102.77
- Lorianne M. just donated $100
- Eugene J. just donated $513.03
- Mary C. just donated $102.77
- Elizabeth M. just donated $4.31
- Cathy H. just donated $50
- BEVERLY W. just donated $513.03
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 income is below twice the federal poverty line or are insolvent.
RIP buys medical debt at a steep discount
Your donations allow us to buy debt in bundles. That allows us to buy debt at a fraction of the original cost. So whatever you donate has 100x the impact.
Together we wipe out medical debt
People 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.
- Facing insolvency — debts are greater than assets.
We only buy debt that has been pre-qualified by our partners to meet at least one of these three 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 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.