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In this Thursday, Dec. 20, 2018 photo, Reagen Adair holds on to a RIP Medical Debt yellow envelope as she poses for a photo at her home in Murchison, Texas. The co-founders of RIP Medical Debt buy millions of dollars in past-due medical debt for pennies on the dollar. But instead of hounding people to pay, they send letters saying the debt is erased, no strings attached.  (AP Photo/Tony Gutierrez)

In this Thursday, Dec. 20, 2018 photo, Reagen Adair holds on to a RIP Medical Debt yellow envelope as she poses for a photo at her home in Murchison, Texas. The co-founders of RIP Medical Debt buy millions of dollars in past-due medical debt for pennies on the dollar. But instead of hounding people to pay, they send letters saying the debt is erased, no strings attached. (AP Photo/Tony Gutierrez)

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