I am ready to take on Providian, just not sure if my idea has a leg to stand on. I know there is debate on whether an OC can continue to charge interest if they do not send out statements. However, if there is a judgment (which is accruing interest), shouldn't the charge-off be a dead issue? Every time I dispute the Providian TL the balance and past due amount changes. I believe this is because they are still adding interest. Does anyone think I can go after them for continuing to add and report interest charges?