|A provider may not provide debt-management services to an individual who it reasonably should know resides in Utah at the time it agrees to provide the
services, unless the provider is registered under the Uniform Debt-Management Services Act.
Debt management service providers are companies that offer to help a consumer get out of debt quicker through one or more of the following:
negotiating lower interest rates on credit balances, forgiveness of late fees and other penalties, reduction of principle balances.
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