Undue Medical Debt (previously known as RIP Medical Debt until April 2024) is a national not-for-profit that raises funds from private donors and philanthropic organizations, as well as receives direct funding from local and state governments. These funds are used to acquire and erase medical debt. Our IRS EIN number is 47-1442997. Since our founding in 2014 (as Medical Debt Resolution, Inc.), we have abolished over $15 billion of medical debt, helping more than 10 million people. 

Undue Medical Debt seeks to help families and individuals burdened by medical debt by acquiring and abolishing these debts. By cancelling these debts, we bring financial relief to families and reduce related stress. This then improves the health of patients, families and communities. 

No! Rest assured, the debt(s) referenced in this letter is no longer owed and you do not have to take any action. We acquired the debt through the generous support of our donors, and it has been permanently abolished. It is a charitable act enabled by donors who support Undue Medical Debt's mission. 

Please note that Undue Medical Debt may not be able to acquire medical debt in your area again. Our ability to abolish medical debts depends on many factors, including the availability of donor funding. 

Those that respond to share their story within 14 days of receiving their letter will be entered into a random lottery to win one of twelve Amazon gift cards valued up to $100. Winners are selected every three months and will be notified by email. 

The State of Illinois has made it a priority to ease the burden of medical debt on Illinois families across the State. A bill was passed in Spring of 2024 that enabled this program to come to fruition. Leaders in Illinois government recognize that medical debt often results from unplanned, unexpected illnesses and accidents. About one third of adults in the United States have difficulty in paying their health care bills. In many areas and for many reasons, people remain uninsured and those who are insured receive expensive bills after receiving care. Medical debt is the leading cause of bankruptcy in the United States. We do this work to relieve the burden of medical debt, to prevent people from skipping or delaying medical care because of cost-related fears and to support people living healthier lives. 

No! This medical debt was abolished as a charitable act by a detached and disinterested third party. This eliminates any potential tax consequences. 

Undue Medical Debt completed a 'soft inquiry' into your credit history to determine your eligibility for medical debt relief. Soft inquiries are listed on your credit report, are only visible to you, and do not impact your credit score. 

Undue Medical Debt strives to abolish as much debt as possible, but we often can only acquire select debts for people given the complexities of the health care finance system. An individual may have multiple bills for one episode of care, and we may have abolished some while others are still outstanding. If you have questions about specific debts erased, please reach out to the provider displayed on the right side of the first page of this letter. 

We depend on donations from individuals, corporations, and charitable organizations as well as direct funding from government partners to support us in our mission and purpose. 

To learn more about Undue Medical Debt, please visit us at UndueMedicalDebt.org. If you believe a listed debt has already been paid or wasn't owed by you to begin with, please contact UndueMedicalDebt.org/respond.