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RIP Medical Debt
80 Theodore Fremd Ave.
Rye, NY 10580

Earmark your donation for this campaign by including a note or by writing "Alera Group" and the county you wish to allocate your gift to in the memo line of the check. If there is no debt available in this county, a representative from RIP Medical Debt will reach out to you to determine other counties of interest. 

Who Is RIP Medical Debt?

RIP Medical Debt uses donations to purchase bundled medical debt portfolios that have gone through collection agencies for months or years. Using third-party credit data providers, it targets debt incurred by people facing financial hardship, and then forgives it. On average, $1 is leveraged to abolish $100 in medical debt.

Please see the full FAQ below and visit www.ripmedicaldebt.org for more information. 

RIP Medical Debt's Federal Tax ID is 47-1442997.

Contact morgan.mclenan@ripmedicaldebt.org with questions about your donation.

About this Fundraiser:

Powered by our culture of collaboration, Alera Group delivers exceptional client experiences and outcomes, positively impacting the business, communities, and lives of people where we live and work.

Please join us in improving the lives of thousands of our fellow citizens in the communities we live and work in.

The Cure for Medical Debt: Combining compassion and expertise, RIP Medical Debt empowers donors to forgive billions in oppressive medical debt for pennies on the dollar.

Who We Are: RIP Medical Debt is a national 501(c)(3) nonprofit organization that locates, buys, and forgives medical debt across America, the only industrialized nation on earth with personal medical debt. We work on behalf of individual donors, philanthropists, and organizations to relieve oppressive medical debt.

The Problem: More than 60% of bankruptcies in America have medical debt as a root cause.

Medical debt is ravaging large segments of the American population. It’s the new debtor’s prison, targeting the most vulnerable of our communities: the sick, elderly, poor, and veterans.

RIP’s Solution: RIP Medical Debt uses donations to purchase bundled medical debt portfolios that have gone through collection agencies for months or years. Using third-party credit data providers, RIP targets debt incurred by people facing financial hardship, and then forgives it. On average, $1 is leveraged to abolish $100 in medical debt.

Please see the rest of the FAQ below and visit www.ripmedicaldebt.org for more information. 

Alera Group: Working Together to Succeed

Alera Group is an independent, national insurance and financial services firm created in 2017 through a merger of 24 like-minded, high-performing, entrepreneurial firms. Our founding firms worked together to leverage powerful relationships, industry expertise and resources with the goal of elevating the client experience.

Why work with Alera Group? Because we provide the best of both worlds – national scope combined with local service. Our mission is to transform the client experience by providing a greater depth and breadth of resources, innovative thinking and constant collaboration, while maintaining strong local relationships.

Frequently Asked Questions

Who is RIP Medical Debt? RIP Medical Debt (RIP) is a national 501c3 nonprofit organization with a mission to empower donors to forgive the billions of dollars in oppressive medical debt at pennies on the dollar. RIP locates, buys, and abolishes destructive medical debt for individuals, veterans, and families. Since inception in 2014, RIP has relieved more than $2 billion in medical debt for individuals across the U.S., impacting over 1.7 million individuals.

How Does RIP Medical Debt Work? RIP, working with third-party credit data providers, searches through large debt portfolios to locate accounts meeting their criteria for relief. RIP then negotiates to buy millions of dollars of this debt at a steep discount, usually a penny or less on the dollar.

Facts about Medical Debt

  • 42.9 million Americans have unpaid medical bills, which creates an adverse impact on debtor patients, physicians, and hospitals (Consumer Financial Protection Bureau)
  • Six in 10 of both insured and uninsured people say they have difficulty in paying other bills as a result of medical debt. Over a third were unable to pay for food, heat or housing because of medical bills. (Kaiser Family Foundation & New York Times)
  • Nearly two-thirds of U.S. adults under age 65, or 116 million people, had medical bill problems or debt, went without needed care because of cost, were uninsured for a time or were underinsured — insured but had high out-of-pocket medical expenses or deductibles relative to income. (Kaiser Family Foundation & New York Times)
  • Medical debt contributes to more than 60 percent of the bankruptcies in the U.S. Until satisfied, debt lingers on a person’s credit report to negatively impact their ability to buy a home, get a loan or even gain employment. (The American Journal of Medicine)

Whose unpayable medical bills does RIP forgive?

  • Individuals who make less than 2 times the federal poverty level
  • Individuals with financial hardship -- 5% or more of their annual income goes to out-of-pocket medical expenses
  • Individuals who are insolvent (debts greater to their assets)

Why Donate to RIP Medical Debt?

  • Your dollar goes a long way! On average, $1 abolishes $100 of debt.
  • 100 percent of your donation goes towards abolishing medical debt.
  • RIP Medical Debt is a 501c3 nonprofit organization, and our EIN number is 47-1442997. Donations are tax-deductible as allowed by law.
  • There are no tax consequences for those whose medical debts are forgiven. The forgiveness is a gift from a detached and disinterested third party (RIP) is an act of generosity, so forgiveness of the does not count as being income to the gift recipient.

RIP Medical Debt's Federal Tax ID: 47-1442997

Disclaimer: In the event that a campaign is unable to meet RIP Medical Debt's local campaign contribution goal, all funds will be attributed to our national funds for general medical debt.