Radical generosity:
Why we're doing this
"God made alive together with him, having forgiven us all our trespasses, by canceling the record of debt that stood against us with its legal demands. This he set aside, nailing it to the cross." –Colossians 2:13b-14
Jesus paid a debt we could never repay. This season, we get to reflect that grace by paying off a debt our neighbors can't carry on their own.
Medical bills weigh on families long after the hospital stay ends, bringing stress, damaged credit and hard choices at the kitchen table. Erasing that debt with nothing expected in return is one of the most tangible ways we can show our neighbors that God sees them and loves them. This is radical generosity, and it's how we're reaching the Treasure Valley for Christ, together.
How it works.
Debt is bought for pennies. Healthcare providers and collection agencies sell unpaid medical debt in bulk at a steep discount, so Undue Medical Debt can buy it for a fraction of its value.
Every $1 erases about $100. Because of that discount, your gift goes roughly 100 times further than its face value.
Relief goes where it's needed most. Undue focuses on people earning at or below 4x the federal poverty level (just over $100,000 for a family of three), or whose medical debt is 5% or more of their yearly income.
A surprise in the mailbox. Families don't apply. They simply receive a letter from Undue telling them some or all of their medical debt has been erased, thanks to our church.
Gone for good. Families are freed from any obligation to pay, and negative credit marks tied to that debt are removed. Undue never collects on the debt it buys, it only abolishes it.
Frequently asked questions.
Can I submit my own medical bills or nominate a friend?
No. Undue Medical Debt can't take individual requests. It buys large bundles of debt directly from healthcare providers and collection agencies based on location and income, so relief reaches families who never had to ask.
No. Undue Medical Debt can't take individual requests. It buys large bundles of debt directly from healthcare providers and collection agencies based on location and income, so relief reaches families who never had to ask.
Is this the same as RIP Medical Debt?
Yes. RIP Medical Debt recently renamed itself Undue Medical Debt, reflecting its belief that these debts shouldn't be due at all. Its mission and process haven't changed.
Yes. RIP Medical Debt recently renamed itself Undue Medical Debt, reflecting its belief that these debts shouldn't be due at all. Its mission and process haven't changed.
Will this affect the recipient's taxes?
No. The relief counts as a charitable gift, not income, so families owe nothing in taxes.
No. The relief counts as a charitable gift, not income, so families owe nothing in taxes.
How do I know my gift will stay local?
We're working directly with Undue Medical Debt to specifically fund debt relief in our region, and our stretch goal would expand that relief across Idaho.
We're working directly with Undue Medical Debt to specifically fund debt relief in our region, and our stretch goal would expand that relief across Idaho.
Somewhere in the Treasure Valley, a family is going to open a letter that changes things. Your gift can be the reason why.
