Linkle Uses Her Body To Pay Her Debt — 2022 Feathered Quill Book Awards
Logan, who was a high school math teacher in Georgia, shoved it aside and ignored subsequent bills. "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. "But I'm kinda finding it, " she adds. 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. "So nobody can come to us, raise their hand, and say, 'I'd like you to relieve my debt, '" she says. Terri Logan says no one mentioned charity care or financial assistance programs to her when she gave birth. New regulations allow RIP to buy loans directly from hospitals, instead of just on the secondary market, expanding its access to the debt. RIP bestows its blessings randomly. To date, RIP has purchased $6. RIP is one of the only ways patients can get immediate relief from such debt, says Jim Branscome, a major donor. "Every day, I'm thinking about what I owe, how I'm going to get out of this... especially with the money coming in just not being enough. 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. Linkle uses her body to pay her debt to build. "The weight of all of that medical debt — oh man, it was tough, " Logan says.
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- Linkle uses her body to pay her debt to build
- Linkle uses her body to pay her debt consolidation
- Linkle uses her body to pay her debt to start
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Linkle Uses Her Body To Pay Her Debt To Gain
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. The nonprofit has boomed during the pandemic, freeing patients of medical debt, thousands of people at a time. 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.
Linkle Uses Her Body To Pay Her Debt To Improve
They were from a nonprofit group telling her it had bought and then forgiven all those past medical bills. 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. It undermines the point of care in the first place, he says: "There's pressure and despair. She was a single mom who knew she had no way to pay. This time, it was a very different kind of surprise: "Wait, what? 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. Linkle uses her body to pay her debt consolidation. Plus, she says, "it's likely that that debt would not have been collected anyway. 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. We want to talk to every hospital that's interested in retiring debt. Logan's newfound freedom from medical debt is reviving a long-dormant dream to sing on stage. Sesso says the group is constantly looking for new debt to buy from hospitals: "Call us!
Linkle Uses Her Body To Pay Her Debt To Build
"Basically: Don't reward bad behavior. They are billed full freight and then hounded by collection agencies when they don't pay. 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. "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.
Linkle Uses Her Body To Pay Her Debt Consolidation
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. 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. A surge in recent donations — from college students to philanthropist MacKenzie Scott, who gave $50 million in late 2020 — is fueling RIP's expansion. The group says retiring $100 in debt costs an average of $1. Now a single mother of two, she describes the strain of living with debt hanging over her head.
Linkle Uses Her Body To Pay Her Debt To Start
Sesso says it just depends on which hospitals' debts are available for purchase. 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. The pandemic, Branscome adds, exacerbated all of that. After helping Occupy Wall Street activists buy debt for a few years, Antico and Ashton launched RIP Medical Debt in 2014. Ultimately, that's a far better outcome, she says. RIP CEO Sesso says the group is advising hospitals on how to improve their internal financial systems so they better screen patients eligible for charity care — in essence, preventing people from incurring debt in the first place. Some hospitals say they want to alleviate that destructive cycle for their patients. She recoiled from the string of numbers separated by commas. The "pandemic has made it simply much more difficult for people running up incredible medical bills that aren't covered, " Branscome says. Most hospitals in the country are nonprofit and in exchange for that tax status are required to offer community benefit programs, including what's often called "charity care. " 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.
A quarter of adults with health care debt owe more than $5, 000. And about 1 in 5 with any amount of debt say they don't expect to ever pay it off. 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. For Terri Logan, the former math teacher, her outstanding medical bills added to a host of other pressures in her life, which then turned into debilitating anxiety and depression. Numerous factors contribute to medical debt, he says, and many are difficult to address: rising hospital and drug prices, high out-of-pocket costs, less generous insurance coverage, and widening racial inequalities in medical debt. Policy change is slow. Soon after giving birth to a daughter two months premature, Terri Logan received a bill from the hospital. 7 billion in unpaid debt and relieved 3. The medical debt that followed Logan for so many years darkened her spirits.
Juan Diego Reyes for KHN and NPR. Recently, RIP started trying to change that, too. What triggered the change of heart for Ashton was meeting activists from the Occupy Wall Street movement in 2011 who talked to him about how to help relieve Americans' debt burden. "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. 6 million people of debt. Rukavina says state laws should force hospitals to make better use of their financial assistance programs to help patients. That money enabled RIP to hire staff and develop software to comb through databases and identify targeted debt faster. However, consumers often take out second mortgages or credit cards to pay for medical services.
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