Louisiana - RIP Medical Debt

Cajun Country Medical Debt Relief

Campaign Created By St. Michael's Episcopal Church

Join St. Michael’s Episcopal Church this Lenten season as we relieve the burden of medical debt on the shoulders of our Cajun neighbors.

According to the US Judiciary Data and Analysis Office, Louisiana has one of the highest bankruptcy rates in the country.

Louisiana is like no other state, and no one born outside it can ever fully understand its mix of French, Southern, Creole, Cajun, Spanish, Haitian, and American culture. That might be why Louisianans have such a sense of community pride and neighborly love, seen everywhere from Mardis Gras to crawfish boils. We often come together to take care of someone who gets sick, but when one hospital trip can cost tens of thousands of dollars, the community can only do so much. The strongest communities can be devastated by the medical debt crisis. Medical debt drains money from local towns to out-of-state debt collectors, and families go bankrupt trying to pay for their loved one’s medical bills.

On average, $1 is leveraged to abolish $100 in medical debt, and every donation through this page will be spent directly on abolishing medical debt in Louisiana. This Lenten season, St. Michael’s will match up to $10,000 for medical debt relief. If we raise $10,000, then that means we could abolish $2,000,000 of medical debt for our Cajun Neighbors!

Shine the light of Christ this Lenten season. Pass on the blessings God has blessed you with and lift the yoke off your neighbors’ shoulders. 

Campaign Support Recipients
raised of $20,000 goal
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    St. Michael's Episcopal Church & Preschool just donated $520
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    St. Michael's Episcopal Church & Preschool just donated $1,920

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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 incomesĀ 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 detailsĀ 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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