We have a new name — RIP Medical Debt is now Undue Medical Debt.

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New York

New York City Medical Debt Relief Campaign

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Undue Medical Debt

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$12,328

raised of $2,500,000 goal

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Time and time again, New Yorkers have proven that whatever the community needs, we will show up for each other. New York City may be a city of over 8 million people, but our shared love of our community is truly something that unites us.

Undue Medical Debt is proud to announce a groundbreaking partnership with The City of New York and The Mayor’s Fund to Advance New York City to eliminate over $2 billion in medical debt for thousands of New Yorkers over a three-year period. Read more about this project here.

The city is investing $18 million in this collaboration but we still need your support to reach even more New Yorkers. Over the next three years, we’ll be calling on the incredible Undue Medical Debt community to help us raise an additional $5 million. For the inaugural year of this campaign, our goal is to raise $2.5 million.

Can we count on you to join us?

Undue Medical Debt utilizes your donation to purchase bundled medical debt portfolios from hospitals and commercial debt buyers to then abolish that debt at pennies on the dollar. Through our innovative model, just $1 has the power to eliminate $100 of crushing medical debt. This is a direct investment back into the many communities that we know and love.

When debt relief recipients open the envelope from Undue, they are told that their debt has been bought by a third party and erased, with no strings attached. Recipients owe nothing on the debt and face no tax penalty.

Here is a testimonial from a New Yorker who had her debt eliminated by Undue Medical Debt:

“Whew! What a relief. I am a single mom who had two surgeries back-to-back, and I am trying hard to make ends meet. I have been brought to tears by the kindness of this act. Before, I was literally praying and drowning in debt. Can I take out another loan? What am I going to do? This miracle is the best gift to receive in the new year. Thank you so much for selecting me. I am forever grateful. Literal tears… Thank you!”
M.P.
Bronx, New YORK

Let’s come together to make an impact on more of our beloved community members like M.P. It is truly the New Yorker way!

Campaign Support Recipients

New York, New York

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How Undue Works

Over a hundred million Americans, one in three, struggles with the weight of medical debt.

Who We Help

Debt Resources

You make a donation
- We use data analytics to pinpoint the debt of those most in need: households that earn less than 4x the federal poverty level (varies by state, family size) or whose debts are 5% or more of annual income.
Undue buys medical debt at a steep discount
- We buy debt in bundles, millions of dollars at a time at a fraction of the original cost. This means your donation relieves about 100x its value in medical debt.
Together we wipe out medical debt
- People across the country receive letters that their debt has been erased. They have no tax consequences or penalties to consider. Just like that, they’re free of medical debt.

Frequently Asked Questions

Is my donation tax deductible?

Yes. We are a 501(c)(3) charity and your donation is 100% tax deductible.

Who qualifies for debt relief?

When we purchase a portfolio of medical debt, we abolish debt for individuals who:

Earn 4x or below the federal poverty level
Have medical debt that is 5 percent or more of their annual income.

We only buy debt that meets at least one of these criteria.

We never collect on debt we purchase, only relieve it.

Do recipients of debt relief have any adverse consequences?

No. With your help, we abolish medical debt permanently. Recipients have no adverse tax consequences, obligations or strings attached.

Medical debt relief is a gift from a detached and disinterested third party (Undue) 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.

Can donors see whose debt is relieved by their donation?

Due to HIPAA laws, Undue Medical Debt cannot disclose the names, contact information or any other specific details of the debt relief beneficiaries.

Can I apply for debt relief?

Undue Medical Debt cannot relieve debt by individual request.

While we would love to help everyone who needs assistance, Undue cannot abolish medical debt for specific individuals. We acquire large, bundled portfolios of debt to help thousands of people at once and we can only erase debts that providers like hospitals and physicians are willing to sell to us.

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.

About Undue

Undue Medical Debt is a national 501(c)(3) nonprofit which leverages donations to buy large, bundled medical debts at steep discounts, providing immediate, no strings attached relief to financially vulnerable families. On average one dollar donated erases $100 of medical debt. We also help people with medical debt share their stories, which informs our approach to fixing the healthcare system, whether by policy solutions or collaborating with likeminded partners.

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