Medical Debt Liberation Campaign

Every dollar you donate forgives $100 in Medical Debt

$293.20
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Campaign Created ByGrace Barrett

Medical debt is something that plagues families all across the United States. This past summer I had the opportunity to intern for the senior United States Senator from Louisiana, Dr. Bill Cassidy. Not only is he a medical doctor who has practiced for over thirty years, but I was also fortunate to be paired with his health policy advisor.  One topic we studied was medical debt in Louisiana, Mississippi, and other southern states. This experience helped fuel a passion for learning more about the fundamentals of medical debt and understanding better how, through policy initiatives, I may be able to help others with this financial burden.

RIP Medical Debt uses your donations to purchase bundled medical debt portfolios on the secondary and provider debt market and then forgives that debt at pennies on the dollar. 

On average, $1 is leveraged to abolish $100 in medical debt, and every donation through this page will be spent directly on abolishing medical debt in Mississippi.

When debt relief recipients open the yellow envelope from RIP, they are told that their debt has been bought by a third party and erased with no strings attached. They owe nothing on the debt and face no tax penalty. 

Join us today to help abolish debt for thousands of families across Mississippi!

Campaign Support Recipients
Mississippi
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$293.20
raised of $10,000 goal
2%
Fundraise
Donate by Check
  • Recent Donations
  • Donor Avatar
    Leslie T. just donated $58.50
  • Donor Avatar
    Mark P. just donated $26.80
  • Donor Avatar
    Anonymous just donated $26.80
  • Donor Avatar
    Anonymous just donated $26.80
  • Donor Avatar
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    Anonymous just donated $21.50
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    Anonymous just donated $106

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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