The customer agreement/service contract for utility bills, the applicant agrees to pay all costs of collection of the applicant's unpaid bills. The Town of Kershaw has the right pursuant to the South Carolina Setoff Debt Collection Act to collect any sum due and owed by the applicant through offset of the applicant's state income tax refund. If the Town of Kershaw chooses to pursue debts owed by the applicant through the Setoff Debt Collection Act, the applicant agrees to pay all fees and costs incurred through the setoff process, including fees charged by the Department of Revenue, the Municipal Association of South Carolina and/or the Town of Kershaw. If the Town of Kershaw chooses to pursue debts in a manner other than setoff, the applicant agrees to pay the cost and fees associated with the selected manner as well.