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Campaign Created ByMOFO the Movement

MOFO the Movement Campaign

Partnering with RIP Medical Debt and using the MOFO movement to elevate their platform came from two places for me:

  1. Having worked in nonprofits & charities for years before joining the insurance space, I know they are not all created equally. They are not all equally transparent or effective in their stewardship of donor dollars. After hearing about them from colleagues, I did my research. With my past experiences, I knew where to look! RIP Medical Debt is a legitimate, remarkable organization that exemplifies the responsibility they hold as an IRS designated 501©3 in all the ways a charitable organization should, all while staying true to their founding vision. Since their formation, they have relieved more than $8.5Billion in medical debt for over 5 million people! If you want to know more, check out their 2022 Year End Report here: 2022_YEAR_END_REPORT.pdf (ripmedicaldebt.org)
  1. I set out with the vision for MOFO the Movement in hopes of exposing the untruths of the broken system and sharing actionable tips that can be transformative for employers with Book 1 (and eventually individuals and service providers). The real hope is that by educating and teaching the most effective ways to navigate American healthcare, we can make a dent in preventing medical debt. RIP Medical Debt is our counterpart on the other side of the experience. Call it naïve, but I believe that together we can change the industry by tackling it from all sides, together.

For these reasons, a portion of all MOFO sales will be going to RIP Medical Debt and we hope you will join us in the mission to make an impact!

Campaign Support Recipients
Nationwide
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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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