Cold call is from a TAggy sort who isn't shy about putting lots of money into the pot if he has or can take the betting lead. UTG is FoS, positionally aware (that I should give him credit for a hand lolz) and probably chasing losses.

$1/$2 No Limit Holdem
PokerStars
5 players
Converted at weaktight.com

Stacks:
UTG ($200.00)
Hero ($378.15)
BTN ($425.70)
SB ($471.30)
BB ($952.85)

Pre-flop: ($3, 5 players) Hero is CO
UTG raises to $6, Hero raises to $20, BTN calls $20, 2 folds, UTG folds

Flop: ($49, 2 players)
Hero ????