I give my car back to the bank in 2007 they had a left over amount for $5,500 after the car was sold, I was told I had to pay OK I understood that. So today I called to try and make a settlement officer but now I was told I old as of today $10,600 because interest is add daily but can they do that even if on my credit reports it states it's a Charge-off account can they keep putting interest on this loan up until its paid off.