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Campaign Created ByYoung Gifted Black & Brown Campaign

Young Gifted Black & Brown Campaign

To whom much is given, much is required.” Luke 12:48.

In Loving Memory of : Kevin Joseph “Sky” Kitchens and Patricia Diane Kitchens Young

Medical debt is a significant issue in Cincinnati, affecting a large portion of its residents. Sixty percent of all Cincinnati residents have some form of delinquent debt, with medical debt being one of the most prevalent forms. Specifically, one in three Cincinnati residents is behind on their medical bills. Additionally, the problem extends beyond the city, as 17% of residents in Hamilton County have their medical debt in collections.

Your participation and support in this campaign play a crucial role in RIP Medical Debts mission to eliminate medical debt for all. Each dollar donated has the power to abolish $100 of medical debt and bring about positive change by making a tangible difference for people in our community. Collectively, we have the power to relieve the weight of medical debt and leave a lasting, transformative impact for people in Hamilton County in Cincinnati.

This campaign hopes to impower the young voices in the world of philanthropy and actively cultivate and nurture relationships between young adult leaders and established figures in the philanthropic community. By fostering these intergenerational relationships, this campaign not only provides young adult voices with a platform to be heard but also offers them the opportunity to learn from the wisdom and experience of seasoned philanthropists. By collaborating with RIP Medical Debt, we achieve the goal of assisting people in our community while also empowering voices through collaboration, fostering innovation, and addressing the challenges of medical debt.

How it works

  • 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. Recipients have no tax consequences or penalties to consider. Just like that, they’re free of medical debt!

Campaign Support Recipients
Hamilton County, Ohio
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$4,139.90
raised of $15,000 goal
27%
Donate by Check
  • Recent Donations
  • Donor Avatar
    Anonymous just donated $26.80
  • Donor Avatar
    Joan B. just donated $212
  • Donor Avatar
    Shareef S. just donated $106
  • Donor Avatar
    Lucy C. just donated $58.50
  • Donor Avatar
    Kim K just donated $106
  • Donor Avatar
    Anonymous just donated $186
  • Donor Avatar
    Virginia L. just donated $26.80
  • Donor Avatar
    Joyce F. 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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