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Hospital & charity care

Undue Medical Debt (formerly RIP Medical Debt)

Charity that buys and forgives medical debt for pennies on the dollar.

Free

Purchases bundled medical debt portfolios from hospitals and collection agencies, then forgives the debt entirely. Patients receive a letter saying their debt has been abolished.

Who qualifies

A quick look at who this program is designed to help.

Individuals cannot apply directly: Undue Medical Debt purchases debt portfolios from hospitals and collection agencies. If your debt is purchased, you will receive a letter saying it has been forgiven. No action required on your part.

Where

Available nationwide

Income

Up to 400% of federal poverty level

Age

Age limits not listed

Conditions

Any condition

Insurance

I don't have any insuranceI have insurance, but I still can't afford careMedicaidMedicareInsurance through work or the marketplace

Stage of care

I have a bill I can't pay

What you'll need

Have these ready before you start the application.

  • No documents required: you cannot apply directly. If you receive a debt forgiveness letter, no action is needed.

How it works

1. This program operates through debt purchasing: you cannot apply directly. 2. Undue Medical Debt buys bundled medical debt for pennies on the dollar. 3. If your debt is included in a purchased portfolio, you will receive a yellow envelope letter in the mail. 4. The letter confirms your debt has been abolished with no tax consequences to you.

Ready for the next step?

Visit the program’s website for current instructions. Your matches will be here when you return.