Join the Jubilee!
Forgiving Debts and Loving Our Neighbors
Did you know that medical debt is the number one cause of bankruptcy in the United States? Two-thirds of personal bankruptcies are the result of medical debts, and 20% of those bankruptcies are filed by people over the age of 55. In 2020 56% of Americans had medical debts sent to collections, with amounts ranging from near $5,000 up to over $50,000. The weight of medical debt, and the other financial difficulties that result from it, is a burden that prevents flourishing life.
Plymouth Church UCC (Fort Wayne, IN), First Congregational UCC (Angola, IN), and Peace UCC (Fort Wayne, IN) are delighted to cohost a fundraising campaign to bring jubilee to our neighbors burdened by medical debt in Northeastern Indiana and the surrounding midwestern region. Just $1 donated can pay off $100 in medical debt, so whatever amount you are able to give, you can be sure that your donation is having an impact.*
In Luke’s gospel, when Jesus returns from his 40 days in the wilderness, he begins his public ministry by going to the synagogue and reading from Isaiah 61, “The Spirit of the Lord is upon me, because he has anointed me to bring good news to the poor. The Lord has sent me . . . to let the oppressed go free, to proclaim the year of the Lord’s favor.” He told the people listening that this scripture was now fulfilled in their hearing. May we, the living body of Christ in our time, bring good news to the poor and proclaim the year of the Lord’s favor, and fulfill the scripture in the hearing of our neighbors who need it most, liberating them for life abundant.
*If you would like your donation to be anonymous, please un-check the box for “Share my donation with others,” after entering your name and address. You may also choose to donate in someone’s honor after entering your own information.
Campaign Support Recipients
- Anonymous just donated $100
- Anonymous just donated $102.77
- Paul-Philip M. just donated $200.20
- Anonymous just donated $205.33
- Cher J. just donated $51.49
- Judith W. just donated $200
- Kristen M. just donated $50
- Plymouth C. just donated $345
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.