$8,856.60
raised of $40,000 goal
22%
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Campaign Created ByMidland Area Interfaith Friends

Mid-Michigan 2023 Campaign

Midland Area Interfaith Friends and St. John’s Episcopal Church in Midland, Michigan invite you to join us in this important collaboration in the service of others. We are teaming up with RIP Medical Debt again to wipe out up to $4,000,000.00 of outstanding medical debt in Mid-Michigan and beyond.

Why? We know that for individuals and families already under the stress of illness, the added impact of unpaid medical bills can be devastating.  In addition to amplifying stress and mental health issues, there is a very real possibility of wage garnishment, eviction, foreclosure, and bankruptcy. In fact, medical debt contributes to more than 60% of bankruptcies in the United States.  Until satisfied, debt lingers on a person’s credit report to impact everything from starting utilities, getting a loan, securing employment, and purchasing a vehicle.

How does medical debt relief work?

RIP Medical Debt purchases unpaid and un-payable debt at significantly reduced rates. The dollars we donate are used to pay off that debt. For every dollar donated, $100 of debt is abolished forever.

How much will it take?

St. John’s Episcopal Church will match up to $20,000.00 in donations. Reaching our goal will eliminate approximately $4 million dollars of unpaid medical debt in Mid-Michigan, and beyond.  

Thanks to the St. John’s Match, your tax-deductible contribution of $1 abolishes $200 of debt!  Just click DONATE to make a real difference for Mid-Michigan families!

Campaign Support Recipients
Michigan
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$8,856.60
raised of $40,000 goal
22%
Fundraise
Donate by Check
  • Recent Donations
  • Donor Avatar
    Laura J. just donated $106
  • Donor Avatar
    Anonymous just donated $55
  • Donor Avatar
    Eileen G. just donated $69
  • Donor Avatar
    Andrea B. just donated $69
  • Donor Avatar
    Susan A. just donated $65
  • Donor Avatar
    Kathleen P. just donated $69
  • Donor Avatar
    Robert & Johanne B. just donated $106
  • Donor Avatar
    Ellen M. just donated $529

Fundraise for This Campaign

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

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How RIP Works

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

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  • 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.

Who We Help
Read Our FAQ
Debt Resources
Frequent Questions
Is my donation tax deductible?

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

Relevant Documents:
IRS 501(c)3 Determination Letter
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Who qualifies for debt relief?

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.

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.

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.

Can donors see whose debt is relieved by their donation?

Due to HIPAA laws, RIP Medical Debt cannot disclose the names, contact information or any other specific details of the debt relief beneficiaries.

Can I apply for debt relief?

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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