FAQs

The Team Kentucky Medical Debt Relief Program helps families and individuals burdened by medical debt by acquiring and canceling these debts. The program brings relief to families and reduces financial stress. Not carrying the burden of debt can also improve credit scores making purchases like a home or transportation more affordable. These efforts improve the health of patients, families and communities. Through this program, to date, more than 46,000 Kentuckians have been relieved of more than $103 million dollars of medical debt – with more to come! To learn more about this program visit MedicalDebtRelief.ky.gov.

Undue Medical Debt (previously known as RIP Medical Debt until April 2024) is a national nonprofit 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 cancel medical debt. Our IRS EIN number is 47-1442997. Since our founding in 2014 (as Medical Debt Resolution, Inc.), we have canceled over $49 billion of medical debt, helping more than 31 million people.

Undue Medical Debt seeks to help families and individuals burdened by medical debt by acquiring and canceling these debts. We bring financial relief to families and reduce 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 and it has been permanently canceled. 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 cancel medical debts depends on many factors, including the availability of donor funding.

While not required, those that respond to share their story 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.

Medical debt often results from unplanned and unexpected illnesses and accidents. At least 100 million people in the United States have medical debt. 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. It also can seriously damage credits scores, making it more difficult to be approved for credit, receive more competitive interest rates on mortgages and loans, and ultimately, making it more expensive to buy a home or vehicle. 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 canceled 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 cancel as much debt as possible, but we often can only acquire select debts for people given the complexities of the healthcare finance system. An individual may have multiple bills for one episode of care, and we may have canceled some while others are still outstanding. If you have questions about specific debts canceled or believe the debt(s) referenced in this letter were not owed, please reach out to the provider displayed on the right side of the first page of this letter.