Putting Faith in Action - RIP Medical Debt

Help Abolish Medical Debt Today

Every dollar you donate forgives $100 in Medical Debt

raised of $10,000 goal
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Campaign Created ByFirst United Methodist - Lincolnton, NC

Putting Faith in Action

There’s no denying it; many of our friends and neighbors are struggling right now. With the rapid rise of inflation, many people are finding it harder and harder to just make ends meet. Then, the unthinkable: chest pains, a car accident, pregnancy, diagnosis of a life-altering disease…these and many more ailments just add another financial debt that feels like a band that constricts tighter and tighter, making it harder just to breathe. Is there any hope?

For the people in our community, the answer is…yes. There is hope because of you. 

From December through March, First United Methodist Church is living out our mission to Love God, Love All, and Be Like Jesus by partnering with RIP Medical Debt to abolish medical debt for the people of Lincoln, Cleveland, Rutherford, Burke, Caldwell, and Mecklenburg Counties in Western North Carolina. 

RIP Medical Debt is a non-profit organization that works with area hospitals and medical providers to buy medical debt of those who are most in need at pennies on the dollar and abolish their medical debt. Imagine that instead of receiving a dreaded bill, someone receives a notice showing their debt is zero. Nothing owed. It can happen with your help.

During this campaign, we look to raise a minimum of $10,000, which has the potential to relieve $1,000,000 of medical debt for your neighbors. Yes, there are many ways you can give to impact the lives of those around you, but where else can your donation be multiplied by up to one hundred times?

Join your friends and neighbors at First United Methodist in putting your Faith in Action and bring hope to those in desperate need of a little love. Give. Make a Difference. Provide Hope.

Campaign Support Recipients
Lincoln, Cleveland, Rutherford, Burke, Caldwell and Mecklenburg Counties of Western North Carolina
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raised of $10,000 goal
Donate by Check
  • Recent Donations
  • Donor Avatar
    Patricia S. just donated $500
  • Donor Avatar
    Steve & Ellen S. just donated $500
  • Donor Avatar
    Denise C. just donated $58.50

New research on the impacts of medical debt

A new survey published by PerryUndem in 2023 shows that medical debt is a shared experience for patients across the country.

Key Findings

Patients are making tradeoffs that affect their daily lives.
  1. Nearly 7 in 10 Nearly 7 in 10 U.S. adults say they receive medical bills they cannot afford. Many are forced to delay paying the bill, put it on a credit card, or challenge the bill.
  2. 6 in 10 Six in ten patients report they have self-treated, delayed, or skipped dental and medical appointments. Thirty-four percent report changing the foods they eat or eating less food to afford health care.
People and patients feel trapped in debt and see no way out. They see medical debt as different from other forms of debt - entirely the fault of institutions and systems, and not something consumers have any control over.
  1. Nearly 50% Nearly half feel trapped and believe they will never be able to pay off their debt, while a third of respondents reported feeling heightened depression and anxiety.
  2. Nearly 9 in 10 Nearly 9 in 10 blame the health care industry for fueling the medical debt crisis - not patients themselves. They say the problem stems from the system putting profit over patients.

Fundraise for This Campaign

Start a fundraiser to help those in need. Set a personal fundraising goal and track online donations easily with RIP.

How RIP Works

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

  • 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.

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 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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