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Did you receive an envelope from Undue Medical Debt?

Don’t throw it away! Your medical debt has been relieved.

About Undue Medical Debt

We are a 501(c)(3) nonprofit that buys and erases unpaid and unpayable medical debt as a charitable gift. If you received one of Undue Medical Debt’s envelopes, you no longer owe the medical debt(s) listed in the letter.

Next Steps

1. Get In Touch

Sharing your story makes a difference: Your voice is powerful and telling your story can help us bring attention to the medical debt crisis and inspire others to support our cause. Should you also have any questions regarding your debt abolishment, please reach out below.

Respond Now

2. Learn About Undue

We know this sounds too good to be true, but we’re the real thing.

Read Beneficiary Stories

Respond to a Letter

"*" indicates required fields

Step 1 of 6

16%

Did you receive a letter from Undue Medical Debt?*

Yes, I have it

Yes, I lost it

Was the letter addressed to you?*

Yes

How can we help?*

Share Your Story

Your story is important and makes a difference in our work. Your perspective informs the structural changes we advocate for to make healthcare accessible for all and it helps other people come forward with their stories. Medical debt is the fault of the system—not people.

I have questions about my letter

For more information about debt relief from Undue Medical Debt, please visit our FAQ.

Preferred Contact Method*

Do you have questions about your letter?*

I need a copy of a lost letter

I need help with specific debt

Undue Medical Debt is a 501(c)(3) nonprofit that purchases medical debt in bulk directly from hospitals, physicians’ groups, or off the secondary market (collection agencies) to provide relief for people with medical debt.

We care deeply for all the individuals and families across the country impacted by medical debt because we believe no one should bear the emotional and financial burdens that come with it. And we wish we could help everyone. Unfortunately, because our debt relief is income-based (those 4 times or below the poverty level) and requires that we purchase the qualifying medical debts from a provider like a doctor or hospital, we are unable to help people with healthcare needs, specific debts, or other collection or insurance concerns.

We are sorry that we cannot be of more help. We recommend that you take a look at Undue Medical Debt’s Resource page as it may contain helpful information. We wish you the best on behalf of all of us here at Undue Medical Debt.

Someone is mistakenly or fraudulently trying to collect on the debt erased by Undue Medical Debt

We’re sorry this is happening. Please send a copy of your original Undue Medical Debt letter to whoever is attempting to collect the debt in question. This letter serves as proof the debt has been erased. If that doesn’t resolve the issue, submit this form and we will be in touch with the provider that sold us the debt, to ensure that you are not mistakenly or fraudulently pursued for debt already erased by Undue.

I need more information about the bills or services associated with the debt cancelled by Undue Medical Debt

Undue Medical Debt is focused on debt relief and does not have information regarding the medical services associated with debts we abolish. To inquire about specific bills associated with your debt relief, we suggest you reach out to the original creditor displayed on the right-hand side of your Undue Medical Debt letter. The original creditor is the provider that administered care to you. A quick google search of the original creditor name should provide you with their contact information including a telephone number. If you give them a call, they should be able to answer more detailed questions about the debt and associated services. If you require help finding information about your original creditor, please let us know.

Other

Are there any additional details we may need to know?

Gift ID

Full Name on Letter*

First Name*

Last Name*

Date of Birth

Email*

Phone

Address where letter was delivered*

Street Address City State ZIP Code

Want to learn more about our mission?

Subscribe to our newsletter to hear from others who have been helped and learn more about the medical debt crisis and our efforts to end it.

Your Story*

Add a Picture

Upload a photo of yourself or your family! It’s meaningful for us to see the people behind the debt.

Accepted file types: jpg, pdf, png, gif, Max. file size: 6 MB.

Share Your Story*

Are you willing to let us share your story/message (and photo, if applicable) publicly (with prospective donors, hospital partners, on our website. etc)? The most effective way to show the importance of our work is through displaying them on our media channels and those of our partners.

I consent

Do not share my story or message

How would you like to be identified when sharing your story?*

My first name and last initial

My first name only

My initials

Anonymously

Tell your Story One on One

Your story can help us shape the narrative around medical debt.

I would be open to scheduling a brief telephone interview with an Undue staff member

Insurance Status

The following questions are only used to compile statistics and never contribute to the selection of those whose debt is abolished.

Did you have insurance coverage for the medical debt that was erased by Undue Medical Debt? 

I did have insurance

I did not have insurance or I am unsure

I do not wish to answer

What type of insurance coverage did you have? Select all that apply.

Insurance through a current or former employer or union (yours or another family member)

Insurance purchased directly from the Marketplace (yours or another family member)

Insurance purchased from a private insurance company (yours or another family member)

Medicare, for people 65 and older, or people with certain disabilities

Medicaid, Medical Assistance, CHIP or any kind of government-assistance plan for those with low incomes or a disability

TRICARE or other military health care from VA (enrolled for VA health care)

Indian Health Service

Any other type of health insurance or health coverage plan

Demographics

The following questions are only used to compile statistics and never contribute to the selection of those whose debt is abolished.

Your Age*

Gender Identity*

Male

Female

Non-Binary/Gender Non-Conforming

Transgender

Prefer not to answer

Other

What is your racial background?*

Asian/Asian American or Pacific Islander

Black or African American

Hispanic or Latinx

Indigenous

White

Prefer not to answer

Other

Other Racial Background

Hidden

Group

Frequent Questions

Who is Undue Medical Debt?

We incorporated on July 25, 2014 as Medical Debt Resolution, Inc. a New York-based not-for-profit doing business as Undue Medical Debt. Our EIN number is 47-1442997. We have received recognition of our federal tax-exemption under section 501(c)(3) of the IRS code.

What is the goal of Undue Medical Debt?

Undue Medical Debt’s mission is to help families and individuals burdened by medical debt by purchasing and abolishing these debts. Our goal is to abolish billions of dollars in personal medical debt. To date, we have abolished $14,807,982,958 for 9,854,702 individuals and families in financial need.

Are there strings attached?

No. The debt is being relieved by our nonprofit as a gift to the recipient. We acquired the debt through the generous support of our donors, and it has been permanently erased. 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.

Why are we doing this?

Millions of families each year struggle to pay medical bills owed to physicians and hospitals. Many of these unpaid medical accounts end up on the desks of third-party debt collectors who call and send letters to patients or worse: sue them and garnish their wages and/or benefits. About one-third of U.S. adults have difficulty covering unexpected health care bills. Medical debt is the leading cause of bankruptcy in the U.S. And people with debt are three times more likely to report struggling with mental health issues like anxiety or depression. Our intention is to put an end to the cycle so people in need can heal, emotionally and financially.

Do I have to pay taxes on this?

The relief of this medical debt does not count as income to the debtor since the relief is a gift from a detached and disinterested third-party (Undue Medical Debt). We do not file a Form 1099-C with the IRS.

More FAQ

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