Section 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.Amended by Chapter 152, 2012 General Session ,§ 24, eff. 5/8/2012.Amended by Chapter 229, 2009 General Session