$1,178.70
raised of $10,000 goal
11%
Donate by Check
Campaign Created ByCharlie Gluck

Erase Medical Debt in St. Louis:
Every $1 donated abolishes the equivalent of $100 in debt!

The Problem

St. Louis, gateway to the west, is known for its Midwestern welcoming, the arch, and the Cardinals. However, what lies beneath the surface is far more sinister. Vast economic segregation and high murder rates have burdened the greater St. Louis area for years. One of the most pronounced socioeconomic segregations in the U.S. combined with the fact that St. Louis is the murder capital of the U.S. has created the perfect conditions under which medical debt thrives. 

RIP currently has access to $10.6 million in medical debt in St. Louis. Relieving medical debt at cents on the dollar, RIP Medical Debt provides a unique opportunity to strike directly at the source and medical debt, and excuse it for individuals and families at particularly high risk, with their debt representing at least 5% of an individual’s annual income or for those who earn less than 4x the federal poverty level. 

With COVID-19 emphasizing the rising costs of living and healthcare, the strict gaps in socioeconomic status have only grown. The financial stress of medical debt is both unique to the U.S. and an unnecessary barrier to a healthy and unburdened community. 

How can you help?

$1 for every $100 is the rate at which debt can be bought on the secondary market. This means that $8.87 is all that is required on average to abolish the debt for an individual. Your 9 dollars is the difference between a family deciding whether to pay for rent, groceries, or pay off debt. All money contributed will be directed straight into paying off medical debt in the community.

When debt relief recipients open the letter from RIP, they are told that their debt has been bought by a third party and abolished with no strings attached. They owe nothing on the debt and face no tax penalty. Having endured, in some cases, years of harassment, mental stress, and stigma associated with medical debt, this notice is truly a beacon of hope.

Campaign Support Recipients
St.Louis, Missouri
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$1,178.70
raised of $10,000 goal
11%
Donate by Check
  • Recent Donations
  • Donor Avatar
    Elizabeth W. just donated $212
  • Donor Avatar
    David S. just donated $114
  • Donor Avatar
    Rachel P. just donated $58.50
  • Donor Avatar
    XINYUN H. just donated $106
  • Donor Avatar
    Anonymous just donated $53.20
  • Donor Avatar
    Nancy R. just donated $529
  • Donor Avatar
    Zarah R. 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.

How RIP Works

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

  • 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.


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 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.

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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