Utah Code § 12-1-11
Collection fee -- Convenience fees
(1) As used in this section: (a) "Creditor" is as defined in 15 U.S.C. Sec. 1692a. (b) "Debt" means an obligation or alleged obligation to pay money arising out of a transaction for money, property, insurance, or services. (c) "Debtor" means a person obligated or allegedly obligated to pay a debt. (d) "Financial transa…