Medical Debt Relief Campaign — Undue Medical Debt

We have a new name — RIP Medical Debt is now Undue Medical Debt.

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Christ Episcopal Church, Dayton

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Christ Episcopal Church, Dayton

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raised of $15,000 goal

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Christ Episcopal Church of Dayton is partnering with Undue Medical Debt in an effort to Become Good Soil, by eliminating medical debt in Montgomery County during this Easter Season. This effort makes a big difference in the lives of families who are struggling because of outstanding medical debt. Like the Parable of the Soils, we have a chance to bear fruit of one hundred to one! Yes, that’s right, each dollar donated will abolish one hundred dollars in medical debt! Together we’re giving individuals and families that are struggling a fresh start, allowing them to continue to seek medical care, and helping them along the path to financial stability.

Here’s how it works:

Make a donation
Through our partnership with Undue Medical Debt (a 501c3 non-profit) your gifts are used to relieve $1 to $100 worth of debt
Undue uses data analytics to identify those most in need: households at or below 4 times the federal poverty level, and those whose debt is 5% or more of their annual income
These households are then notified that their debt has been forgiven, tax-free via letters in the mail

We Become Good Soil!

What a wonderful way to offer our neighbors new life! Medical debt is the #1 cause of personal bankruptcy. We have the chance to hear this good word and embrace it, to Become Good Soil. To participate in a harvest which allows folks to remove debt from their credit report and regain financial footing. To stop simply trying to survive and begin to flourish!

Undue Medical Debt has access to approximately $1.5 million in medical debt in Montgomery County available for relief. Consider joining us in this campaign to eliminate all of it for only $15,000! Together, during this Easter season, we can offer new life to those burdened by crippling debt, if we only have the ears to listen – we can Become Good Soil!

Campaign Support Recipients

Montgomery County, Ohio

Ohio

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How Undue Works

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

Who We Help

Debt Resources

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.
Undue 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.

Frequently Asked Questions

Is my donation tax deductible?

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

Who qualifies for debt relief?

When we purchase a portfolio of medical debt, we abolish debt for individuals who:

Earn 4x or below the federal poverty level
Have medical debt that is 5 percent or more of their annual income.

We only buy debt that meets 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.

Medical debt relief is a gift from a detached and disinterested third party (Undue) 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, Undue Medical Debt cannot disclose the names, contact information or any other specific details of the debt relief beneficiaries.

Can I apply for debt relief?

Undue Medical Debt cannot relieve debt by individual request.

While we would love to help everyone who needs assistance, Undue cannot abolish medical debt for specific individuals. We acquire large, bundled portfolios of debt to help thousands of people at once and we can only erase debts that providers like hospitals and physicians are willing to sell to us.

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.

About Undue

Undue Medical Debt is a national 501(c)(3) nonprofit which leverages donations to buy large, bundled medical debts at steep discounts, providing immediate, no strings attached relief to financially vulnerable families. On average one dollar donated erases $100 of medical debt. We also help people with medical debt share their stories, which informs our approach to fixing the healthcare system, whether by policy solutions or collaborating with likeminded partners.