Utah Code § 13-42-130: Advertising.

(1) If a provider whose agreements contemplate that creditors will reduce finance charges or fees for late payment, default, or delinquency advertises debt-management services, it shall disclose, in an easily comprehensible manner, that using a debt-management plan may make it harder for the individual to obtain credit.

(2) If a provider whose agreements contemplate that creditors will settle for less than the full principal amount of debt that advertises debt-management services, it shall disclose, in an easily comprehensible manner:

(a) the information specified in Subsections 13-42-117(4)(e) and (f); and

(b) the provider's settlement fee structure, consistent with the limitations of Section 13-42-123.