... into stipulation with them and have been paying $50/month on the two debts since November 2011. Both stipulations read the same, except for the figures in #1. #1 reads, "Defendant(s) acknowledges indebtedness in the amount of $----.--, $----.-- interest, and $---.-- costs with interest at the contract rate of 8% per annum. Defendant has agreed to pay the amount of $----.-- with interest to accrue at the rate of 0%." I recently looked at my credit report; the accounts are charged off. I have been paying the $50, but the amounts are going up -- accruing interest, I assume. Can they do this, when the Stipulation agreement says 'interest to accrue at the rate of 0%'?