"O Cheering Sight!" - RIP Medical Debt

"O Cheering Sight!"

Every $1 you donate relieves $100 in medical debt

$7,521.50
raised of $15,000 goal
50%
Fundraise
Campaign Created ByNew Beginnings Moravian, Peace Church, & The Little Church on the Lane

The Charlotte-area Moravian churches—New Beginnings Moravian, Peace Church, and The Little Church on the Lane—are collaborating for a wonderful and powerful mission opportunity for people of North and South Carolina experiencing the weight of medical debt. The name of our campaign comes from a beloved Moravian hymn called “Morning Star, O Cheering Sight” which is sung antiphonally by Moravian congregations every Christmas. Just as Christ’s birth and presence brings light into earth’s dark night, we hope to bring light into the dark world of medical debt. Every dollar you give will abolish approximately $100 in medical debt for someone in North or South Carolina.  Our goal is to raise $15,000 by Easter 2023. What better way to bring hope and healing to those who are feeling the pain of medical debt in the Carolinas!

Campaign Support Recipients
North Carolina
South Carolina
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$7,521.50
raised of $15,000 goal
50%
Fundraise
  • Recent Donations
  • Donor Avatar
    Russell W. just donated $138
  • Donor Avatar
    Anonymous just donated $5,000
  • Donor Avatar
    Anonymous just donated $529
  • Donor Avatar
    Charles E. just donated $106
  • Donor Avatar
    Phyllis J. just donated $26.80
  • Donor Avatar
    Anonymous just donated $58.50
  • Donor Avatar
    Anonymous just donated $106
  • Donor Avatar
    Anonymous just donated $128

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.

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  • 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.

  • RIP 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.

Who We Help
Read Our FAQ
Debt Resources
Frequent Questions
Is my donation tax deductible?

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

Relevant Documents:
IRS 501(c)3 Determination Letter
Download
Who qualifies for debt relief?

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.

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.

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.

Can donors see whose debt is relieved by their donation?

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

Can I apply for debt relief?

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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