West Virginia - RIP Medical Debt

Neighbors All Campaign

Faith Communities Relieving Medical Debt

Campaign Created ByNeighbors All

Medical debt, the #1 cause of bankruptcy in the US, has shattered the lives as well as the credit scores of people across our country. Every day 79 million Americans must choose between paying their medical bills and paying for basic needs like food and shelter. Faith communities and generous individuals across the country have been joining together to help relieve the burden of medical debt by partnering with RIP Medical Debt.

Neighbors All is an association of faith communities in Virginia dedicated to the work of relieving medical debt for our neighbors. Each of our respective faith traditions compels us to love and care for our neighbors. Medical debt relief is a tangible expression of that love.

Our neighbors in West Virginia are hurting under an oppressive $21 million worth of medical debt. Our campaign aspires to relieve a large chunk of that debt and to give back hope and stability to individuals previously drowning in medical debt. RIP is able to turn every $10 donated into roughly $1000 worth of debt relieved, and that’s the size of the average medical debt. So, every donation goes a long way to relieving debt for our neighbors!

Any questions about the Neighbors All campaign can be directed to Rev. Karen Mann [email protected]

Member Congregations:

  • Sojourners United Church of Christ, Charlottesville, VA
  • First Congregational UCC, Huntington, WV

Campaign Support Recipients
West Virginia Residents
raised of $20,000.00 goal
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How RIP Works

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

Here’s how we lift them up.

You make a donation

With every donation, RIP uses its precise data analytics to pinpoint the medical debt of those most in need of relief: households whose income is below twice the federal poverty line or are insolvent.

RIP buys medical debt at a steep discount

Your donations allow us to buy debt in bundles. That allows us to buy debt at a fraction of the original cost. So whatever you donate has 100x the impact.

Together we wipe out medical debt

People receive a letter that their debt is gone. No taxes. No penalties. 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 2x 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 three 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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