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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 "Lucid Lane" in the memo line of a check.

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:

Medical Debt Relief for our Communities affected by Substance Use and Behavioral Health

Lucid Lane's mission is to empower people with substance use, mental health, and pain to live a better and healthier life. One of the most critical aspects of living a better and healthier life is to live free of medical debt when you are already burdened by health challenges. We understand how devastating and expensive medical costs can be to our fellow Americans. For many individuals with serious substance use, mental health and pain issues, recovery and earnings may not be available especially now as we live through a holiday season when Covid-19 infections are escalating and disproportionately affecting communities that were already challenged by substance use, mental health, and pain-related health challenges and lack of earnings and jobs to pay their medical bills. Instead, they are forced to struggle alone with the expense of their medical costs and healthcare.

Lucid Lane Team has initiated this fundraising effort, in coordination with RIP Medical Debt, to begin helping these communities to get their lives back. With nearly 7% of Americans unemployed in November (U.S. Bureau of Labor Statistics), we are determined to help the affected Americans by eliminating more than $1.5 million of their medical debt.

Based on a survey from Gallup and West Health, last year Americans borrowed more than $88 billion to pay for health care. A study in the American Journal of Medicine noted that medical debt contributed to nearly 66% of all bankruptcies nationwide.

Lucid Lane Team Fundraising Campaign

Through Sunday, January 31, 2021, Lucid Lane Team will campaign to raise $15,000 across our friends and family to eliminate $1.5 million worth of debt. For every single dollar donated, about $100 of medical debt in counties hardest hit by substance use and mental health will be forgiven!

RIP Medical Debt will purchase these portfolios of medical debt well below their face value to help forgive the debts of qualified Americans in these communities. By eliminating $1.5 million of medical debt, individuals and families can begin to get their lives back without having to choose between putting food on the table and paying their medical bills.

We hope to help reach our goal of $15,000 well before our January 31, 2021 deadline.


My Supporters

  • Gerise Pappas For the healing and well being of all dealing with addiction. Last month
  • Han Family Charitable Giving Fund Last month $500.00
  • Adnan Asar Last month $3,000.00
  • View More Recent Supporters
  • Adnan Asar Last month $3,000.00
  • Eric Chen Doctors and healthcare workers are the real heroes in 2020! December 2020 $520.00
  • Han Family Charitable Giving Fund Last month $500.00
  • View More Top Donors

Recent Activity

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.