Tennessee Health Advocates Campaign
Every dollar you donate forgives close to $100 of Tennessee medical debt!
RIP Medical Debt utilizes your donations to purchase bundled medical debt portfolios on the secondary debt market and then eliminates that debt for pennies on the dollar.
On average, $1 is leveraged to abolish $100 in medical debt, and every donation made on this page will be spent directly on abolishing medical debt across the state of Tennessee!
When debt relief recipients open the yellow envelope from RIP, they are told that their debt has been bought and erased with no strings attached. They owe nothing on the debt and face no tax penalty. Just like that, they’re free of medical debt and can start rebuilding their lives!
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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.
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 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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