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She was a single mom who knew she had no way to pay. Logan's newfound freedom from medical debt is reviving a long-dormant dream to sing on stage. As NPR and KHN have reported, more than half of U. adults say they've gone into debt in the past five years because of medical or dental bills, according to a KFF poll. She had panic attacks, including "pain that shoots up the left side of your body and makes you feel like you're about to have an aneurysm and you're going to pass out, " she recalls. Linkle uses her body to pay her debt free. It means that millions of people have fallen victim to a U. S. insurance and health care system that's simply too expensive and too complex for most people to navigate. He is a longtime advocate for the poor in Appalachia, where he grew up and where he says chronic disease makes medical debt much worse. "Basically: Don't reward bad behavior. However, consumers often take out second mortgages or credit cards to pay for medical services. She recoiled from the string of numbers separated by commas.

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The pandemic, Branscome adds, exacerbated all of that. The group says retiring $100 in debt costs an average of $1. "Every day, I'm thinking about what I owe, how I'm going to get out of this... Linkle uses her body to pay her debt early. especially with the money coming in just not being enough. A surge in recent donations — from college students to philanthropist MacKenzie Scott, who gave $50 million in late 2020 — is fueling RIP's expansion.

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Eventually, they realized they were in a unique position to help people and switched gears from debt collection to philanthropy. It's a model developed by two former debt collectors, Craig Antico and Jerry Ashton, who built their careers chasing down patients who couldn't afford their bills. "The weight of all of that medical debt — oh man, it was tough, " Logan says. Ultimately, that's a far better outcome, she says. The three major credit rating agencies recently announced changes to the way they will report medical debt, reducing its harm to credit scores to some extent. Yet RIP is expanding the pool of those eligible for relief. Linkle uses her body to pay her debt to raise. We want to talk to every hospital that's interested in retiring debt. Now a single mother of two, she describes the strain of living with debt hanging over her head. "Hospitals shouldn't have to be paid, " he says. They are billed full freight and then hounded by collection agencies when they don't pay. "So nobody can come to us, raise their hand, and say, 'I'd like you to relieve my debt, '" she says. RIP Medical Debt does. "We wanted to eliminate at least one stressor of avoidance to get people in the doors to get the care that they need, " says Dawn Casavant, chief of philanthropy at Heywood. Logan, who was a high school math teacher in Georgia, shoved it aside and ignored subsequent bills.

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Policy change is slow. RIP buys the debts just like any other collection company would — except instead of trying to profit, they send out notices to consumers saying that their debt has been cleared. "As a bill collector collecting millions of dollars in medical-associated bills in my career, now all of a sudden I'm reformed: I'm a predatory giver, " Ashton said in a video by Freethink, a new media journalism site. Heywood Healthcare system in Massachusetts donated $800, 000 of medical debt to RIP in January, essentially turning over control over that debt, in part because patients with outstanding bills were avoiding treatment. "I would say hospitals are open to feedback, but they also are a little bit blind to just how poorly some of their financial assistance approaches are working out. 7 billion in unpaid debt and relieved 3. They started raising money from donors to buy up debt on secondary markets — where hospitals sell debt for pennies on the dollar to companies that profit when they collect on that debt. Then a few months ago — nearly 13 years after her daughter's birth and many anxiety attacks later — Logan received some bright yellow envelopes in the mail. After helping Occupy Wall Street activists buy debt for a few years, Antico and Ashton launched RIP Medical Debt in 2014. A quarter of adults with health care debt owe more than $5, 000. Her first performance is scheduled for this summer. The debt shadowed her, darkening her spirits. Plus, she says, "it's likely that that debt would not have been collected anyway. 6 million people of debt.

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"A lot of damage will have been done by the time they come in to relieve that debt, " says Mark Rukavina, a program director for Community Catalyst, a consumer advocacy group. One criticism of RIP's approach has been that it isn't preventive; the group swoops in after what can be years of financial stress and wrecked credit scores that have damaged patients' chances of renting apartments or securing car loans. Its novel approach involves buying bundles of delinquent hospital bills — debts incurred by low-income patients like Logan — and then simply erasing the obligation to repay them. Sesso said that with inflation and job losses stressing more families, the group now buys delinquent debt for those who make as much as four times the federal poverty level, up from twice the poverty level. RIP bestows its blessings randomly. Some hospitals say they want to alleviate that destructive cycle for their patients. "I don't know; I just lost my mojo, " she says. It undermines the point of care in the first place, he says: "There's pressure and despair. Sesso emphasizes that RIP's growing business is nothing to celebrate. Juan Diego Reyes for KHN and NPR. Nor did Logan realize help existed for people like her, people with jobs and health insurance but who earn just enough money not to qualify for support like food stamps. The "pandemic has made it simply much more difficult for people running up incredible medical bills that aren't covered, " Branscome says. To date, RIP has purchased $6.

This time, it was a very different kind of surprise: "Wait, what? The nonprofit has boomed during the pandemic, freeing patients of medical debt, thousands of people at a time.

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The Rangers held first place in the division for most of May, although they had never played above.