In this Thursday, Dec. 20, 2018 photo, Reagen Adair holds …

Photo by Associated Press | published: December 24, 2018

In this Thursday, Dec. 20, 2018 photo, Reagen Adair holds a RIP Medical Debt yellow envelope 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.