Love Thy Neighbor - RIP Medical Debt

Love Your Neighbor: Forgiving Minnesota and Upper Midwest Medical Debt

Every dollar you donate forgives $100 in Medical Debt

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Campaign Created ByLord of Life Lutheran Church

Every day, 79 million Americans have to choose between paying medical bills and providing for basic needs like food and shelter. By erasing their medical debt, Lord of Life can remove this terrible choice for many. Imagine the joy and relief that happens when one of our Midwestern neighbors opens a letter and finds forgiveness of their medical debt.

Last year we partnered with RIP Medical Debt to provide $10,668,908 debt relief to 3,932 families of COVID essential workers in 40 states. We are leading another campaign to help reduce medical debt for those in need close to home. Each dollar you give to this campaign will erase $100 of medical debt for our neighbors.

HOW YOU CAN HELP:

Our goal is to raise $50,000 from our Lord of Life community. This will allow us to erase over $5,000,000 in medical debt for our neighbors. Every contribution will help bring us closer to our goal. We are grateful for your interest!

“Thank you so much! This debt was from my pregnancy and birth of my first child – we did not have a lot of money at the time, I had to leave my job because we could not afford childcare and within a few years were facing foreclosure on our home – we certainly did not have money for medical expenses if we couldn’t keep a roof over our head! Keep up the great work!!!”

Recipient of medical debt forgiveness by Lord of Life
$58,143.64
raised of $50,000.00 goal
116%
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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 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.

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 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, 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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