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Medical Debt Resolution Inc

EIN 47-1442997 · Long Island City, NY

Public records show a registered, tax-exempt organization in good standing.

LegitimacyPassesRegistration and standingFinancial healthGood78 out of 100GovernanceStrong100 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

THE MISSION OF THE ORGANIZATION IS TO END MEDICAL DEBT. (CONTINUED ON SCHEDULE O)

Income
$62.5 million
Spending
$62.9 million
Spent on programs
91%
Reserves
27.1 months of spending
Largest source of income
government grants, 50%
Employees
53
Volunteers
14
Highest pay
$427,474, ceo & president

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Financial health

Good: 78 out of 100. Higher than 71% of charities in its peer group (human services, $10m to $100m).

  • Reserves

    35 of 35

    Spendable reserves would cover 27.1 months of spending.

  • Debt

    20 of 20

    It owes 8% of what it owns.

  • Living within its means

    8 of 15

    Spending exceeded income by 1% of income.

  • Income trend

    0 of 15

    Income fell 32% on the year before.

  • Spending floor

    15 of 15

    91% of spending went to programs and raising each dollar of donations cost 3 cents.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Governance

Strong: 100 out of 100. Higher than 35% of charities in its peer group (human services, $10m to $100m).

  • Independent board

    25 of 25

    8 of 8 voting board members are independent.

  • Conflict of interest policy

    15 of 15

    Has a written conflict of interest policy.

  • Whistleblower policy

    8 of 8

    Has a written whistleblower policy.

  • Record keeping policy

    7 of 7

    Has a written policy on keeping and destroying records.

  • Board minutes

    5 of 5

    Keeps minutes of board meetings.

  • Board sees the tax return

    10 of 10

    Gave the board a copy of this return before filing it.

  • Pay set independently

    5 of 5

    Sets its chief executive's pay through independent review and comparison.

  • Independent check of accounts

    15 of 15

    Its accounts were audited by an independent accountant.

  • No reported misuse

    10 of 10

    Reports no diversion of assets, excess benefits or loans to insiders.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Impact evidence

Describes programs. Its tax return describes what it does but we have found no measurable results in it.

Programs described in its return (4)
  1. $54.9 million spent. MEDICAL DEBT RELIEF: THE DEBT RELIEF PROGRAM MODEL COMBINES DEBT PORTFOLIO ACQUISITION WITH SPECIALIZED DATA ANALYSIS, TECHNOLOGY INFRASTRUCTURE, COMPLIANCE ACTIVITIES, BENEFICIARY NOTIFICATION, AND PROGRAM ADMINISTRATION. THESE ACTIVITIES ARE INTEGRAL COMPONENTS OF THE MEDICAL DEBT RELIEF PROGRAM AND ARE REFLECTED WITHIN PROGRAM SERVICE EXPENSES. THIS PROGRAM CONSISTS OF ACQUISITION AND RELIEF (I.E., CANCELLATION) OF MEDICAL DEBTS BELONGING TO PEOPLE EXPERIENCING POVERTY OR OTHER HARDSHIPS,WHO ARE DEFINED AS THOSE EARNING 400% OR LESS THAN THE FEDERAL POVERTY LEVEL, OR HAVE A MEDICAL DEBT MORE THAN 5% OF ESTIMATED ANNUAL HOUSEHOLD GROSS INCOME. IN 2025, UNDUE MEDICAL DEBT HELPED OVER 6.5 MILLION PEOPLE AND RELIEVED MORE THAN $9.9 BILLION OF MEDICAL DEBT. (EXPENSES $ 316,661 INCLUDING GRANTS OF $ 0)(REVENUE $ 0) MEDICAL DEBT RESEARCH AND STORYTELLING: THIS PROGRAM CONSISTS OF SUPPORTING RESEARCH AND SURVEY ACTIVITIES STUDYING THE ECONOMIC AND SOCIAL EFFECTS OF MEDICAL DEBT, AND MEDICAL DEBT RELIEF, AND HIGHLIGHTING PERSONAL STORIES AND COMMON THEMES FROM RECIPIENTS OF THE ORGANIZATION'S MEDICAL DEBT RELIEF EFFORTS. THIS IS DONE IN AN EFFORT TO REMOVE THE STIGMA ASSOCIATED WITH, AND BETTER UNDERSTAND THE IMPACTS OF, MEDICAL DEBT.
  2. $1.1 million spent. COMMUNITY ENGAGEMENT, EDUCATION, AND PUBLIC POLICY: THIS PROGRAM CONSISTS OF ENGAGING IN EFFORTS TO RAISE PUBLIC AWARENESS OF THE ECONOMIC AND SOCIAL EFFECTS OF MEDICAL DEBT, FACILITATE STRATEGIC PARTNERSHIPS TO FURTHER COMMUNITY AWARENESS AND YOUTH ENGAGEMENT, AND INFORM AND SUPPORT PUBLIC POLICY EFFORTS TO ADDRESS SYSTEMIC CAUSES OF MEDICAL DEBT.
  3. $860,625 spent. TECHNOLOGY INFRASTRUCTURE DEVELOPMENT: THIS PROGRAM CONSISTS OF DEVELOPING SYSTEMS TO MORE EFFICIENTLY ACQUIRE AND ABOLISH MEDICAL DEBT. (EXPENSES $ 316,661 INCLUDING GRANTS OF $ 0)(REVENUE $ 0) MEDICAL DEBT RESEARCH AND STORYTELLING: THIS PROGRAM CONSISTS OF SUPPORTING RESEARCH AND SURVEY ACTIVITIES STUDYING THE ECONOMIC AND SOCIAL EFFECTS OF MEDICAL DEBT, AND MEDICAL DEBT RELIEF, AND HIGHLIGHTING PERSONAL STORIES AND COMMON THEMES FROM RECIPIENTS OF THE ORGANIZATION'S MEDICAL DEBT RELIEF EFFORTS. THIS IS DONE IN AN EFFORT TO REMOVE THE STIGMA ASSOCIATED WITH, AND BETTER UNDERSTAND THE IMPACTS OF, MEDICAL DEBT.
  4. $316,661 spent. MEDICAL DEBT RESEARCH AND STORYTELLING: THIS PROGRAM CONSISTS OF SUPPORTING RESEARCH AND SURVEY ACTIVITIES STUDYING THE ECONOMIC AND SOCIAL EFFECTS OF MEDICAL DEBT, AND MEDICAL DEBT RELIEF, AND HIGHLIGHTING PERSONAL STORIES AND COMMON THEMES FROM RECIPIENTS OF THE ORGANIZATION'S MEDICAL DEBT RELIEF EFFORTS. THIS IS DONE IN AN EFFORT TO REMOVE THE STIGMA ASSOCIATED WITH, AND BETTER UNDERSTAND THE IMPACTS OF, MEDICAL DEBT.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Legitimacy checks

  1. Is it registered with the IRS? Passed.

    Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  2. Has the IRS revoked its tax-exempt status? Passed.

    Not on the IRS automatic revocation list.

    Source: Automatic revocation of exemption list, Internal Revenue Service, file dated October 13, 2026.

  3. Are donations tax-deductible? Passed.

    On the IRS list of organizations eligible to receive tax-deductible contributions.

    Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated October 13, 2026.

  4. Is it keeping up with its IRS filings? Passed.

    Most recent return on file covers the year ending December 2025.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  5. How long has it been tax-exempt? Passed.

    Recognized by the IRS since May 2016.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  6. Is it in good standing with state regulators? Passed.

    Not on California's list of charities barred from soliciting. Other states are not yet checked.

    Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 21, 2026.

Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.