Trinity Moravian Church - RIP Medical Debt

Help Abolish Medical Debt Today

Every dollar you donate forgives $100 in Medical Debt

$1,812.33
raised of $5,000 goal
36%
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Campaign Created ByTrinity Moravian Church

We want to relieve crippling medical debt in Forsyth County, NC!

Over half the personal bankruptcies in the US are caused by medical debt.1  An unexpected medical problem, a short stay in the ICU, an accident, can all result in massive medical bills – even after insurance or Medicare.  More than 20% of North Carolina residents have significant unpaid medical bills, making NC the #6 worst state in the nation for medical debt.2  For families that work paycheck to paycheck, a significant medical bill can send them into poverty.

Trinity Moravian Church, which for over a century has actively ministered to the needy of our area, has set out on a campaign to forgive what medical debt in Forsyth County we can.  Working with RIP Medical Debt, a highly-rated nonprofit that works to forgive medical debt, we hope to raise $5,000 to purchase — and forgive – over $500,000 of medical debt in Forsyth county.   When medical debts go unpaid for a period of time, they are often sold off at a steep discount to collection agencies, which then have the right to continue collecting the entire debt.  It is at that stage that RIP Medical Debt is able to step in and buy the debt for literally a penny on the dollar.

Imagine a struggling family receiving a completely unexpected letter saying that their crippling medical debt has been forgiven.  We can bring that kind of grace to many families in our area through this campaign – a practical demonstration of the grace that God has given each of us!

The name of the campaign comes from Leviticus 25, which commanded that every fiftieth year (seven round of seven year periods) a special Day of Atonement would be held, all debts would be forgiven, and slaves freed.  We want to proclaim Jubilee for the people in Forsyth County who are enslaved by medical debt.

This first campaign will start on August 1, 2022 and extend through October 31.  On All Saints Day (November 1) we plan to announce the results of this campaign and the forgiveness of approximately half a million dollars in medical debt owed by residents of Forsyth County.  Any overage will be used to forgive debts in Davidson County, which will be the target of our next campaign.  Every dollar you donate will be used directly to purchase and forgive someone’s medical debt.

YOU can make a huge difference in someone’s life right now.  100% of your donation will go directly to purchase medical debt – and every dollar you donate will literally buy $100 of debt.

  1. David U. Himmelstein, et al. “Medical Bankruptcy in the United States, 2007: Results of a National Study,” Page 741. Elsevier Inc, 2009.
  2. Lending Tree report, June 27, 2022
    https://www.lendingtree.com/personal/medical-debt-survey/
Campaign Support Recipients
Forsyth, North Carolina
Davidson, North Carolina
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$1,812.33
raised of $5,000 goal
36%
  • Recent Donations
  • Donor Avatar
    Virginia T. just donated $102.77
  • Donor Avatar
    Tamara R. just donated $50
  • Donor Avatar
    Barbara H. just donated $25.85
  • Donor Avatar
    Terry W. just donated $25.85
  • Donor Avatar
    George S. just donated $50
  • Donor Avatar
    Ruth W. just donated $51.49
  • Donor Avatar
    Shirley M. just donated $50
  • Donor Avatar
    Anonymous just donated $100

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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