Shred the Debt – Oakland

Yes. We are a 501(c)(3) charity and your donation is 100% tax deductible.

We provide debt relief based on financial need. To qualify, an individual must either:

• Earn at or below 400% of the federal poverty level
• Have medical debt that exceeds 5% of their income

These criteria are built into our system and apply to all debt we purchase. We do not collect or require information about immigration status. We also cannot target relief based on medical condition, age, or other personal characteristics. 

We never collect on the debt we purchase, only relieve it.

No. With your help, we abolish medical debt permanently. Recipients have no adverse tax consequences, obligations or strings attached.

Medical debt relief is a gift from a detached and disinterested third party (Undue) as an act of generosity, so relief of the debt does not count as income to the debtor. We will not file a Form 1099-C with the IRS.

Due to HIPAA laws, Undue Medical Debt cannot disclose the names, contact information or any other specific details of the debt relief beneficiaries.

Undue Medical Debt cannot relieve debt by individual request.

While we would love to help everyone who needs assistance, Undue cannot abolish medical debt for specific individuals. We acquire large, bundled portfolios of debt to help thousands of people at once and we can only erase debts that providers like hospitals and physicians are willing to sell to us.

Because medical debt affects so many people who may not have debt accounts in the portfolios we purchase, we have compiled a list of resources that may be able to help.