Mincy Law, PLLC Debt Relief Campaign

Help Abolish Debt for Tennessee Families!

$2,816.70
raised of $10,000 goal
28%
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Campaign Created ByMincy Law, PLLC

With the holidays approaching, what better gift to give a fellow Tennessean than the gift of freedom from medical debt? 1 in 4 Tennesseans struggle with medical debt. Many are forced to choose between basic essentials like food and rent and paying for their medical care. We believe no one should have to choose between their well-being and financial stability. Our mission is to provide a helping hand to those drowning in medical debt, offering a beacon of hope for a healthier, debt-free future. 

RIP Medical Debt is a compassionate nonprofit organization committed to eliminating medical debt and providing a lifeline for individuals and families facing financial hardship due to healthcare expenses. 

Since 2014, RIP Medical Debt, a 501(c)(3) charitable organization based in Long Island City, NY, has used charitable donations to eliminate personal medical debt in all 50 states. During the summer of 2023, the value of medical debt abolished by RIP surpassed $10 billion. 

Mincy Law, PLLC’s goal is to raise $10,000 to be able to purchase and forgive the medical debt of fellow Tennesseans. We will match the first $1,500 donated. 

On average, every $1 raised is leveraged to abolish $100 in medical debt, and every donation through this page will be spent directly on abolishing medical debt in Tennessee. With our state being in the top ten states for the most medical debt, there is ample opportunity to make a difference. All donations are tax-deductible. 

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.  

Every donation made to our campaign is an investment in Tennessee towns and cities. The money stays in the state, instead of being taken by out-of-state debt collectors. Please join us in freeing your fellow Tennesseans from medical debt today! 

Campaign Support Recipients
Tennessee
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$2,816.70
raised of $10,000 goal
28%
Donate by Check
  • Recent Donations
  • Donor Avatar
    Art R. just donated $278
  • Donor Avatar
    Jerry J. just donated $10.90
  • Donor Avatar
    Anonymous just donated $53.20
  • Donor Avatar
    Hiram C. just donated $26.80
  • Donor Avatar
    Mincy Law, PLLC just donated $1,258
  • Donor Avatar
    Katrina B. just donated $1,057
  • Donor Avatar
    Anonymous just donated $106
  • Donor Avatar
    Anonymous just donated $26.80

New research on the impacts of medical debt

A new survey published by PerryUndem in 2023 shows that medical debt is a shared experience for patients across the country.

Key Findings

Patients are making tradeoffs that affect their daily lives.
  1. Nearly 7 in 10 Nearly 7 in 10 U.S. adults say they receive medical bills they cannot afford. Many are forced to delay paying the bill, put it on a credit card, or challenge the bill.
  2. 6 in 10 Six in ten patients report they have self-treated, delayed, or skipped dental and medical appointments. Thirty-four percent report changing the foods they eat or eating less food to afford health care.
People and patients feel trapped in debt and see no way out. They see medical debt as different from other forms of debt - entirely the fault of institutions and systems, and not something consumers have any control over.
  1. Nearly 50% Nearly half feel trapped and believe they will never be able to pay off their debt, while a third of respondents reported feeling heightened depression and anxiety.
  2. Nearly 9 in 10 Nearly 9 in 10 blame the health care industry for fueling the medical debt crisis - not patients themselves. They say the problem stems from the system putting profit over patients.

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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Ready to Launch Your Own Debt Relief Campaign?