[mbyron]

Maybe this will help.

Originally Posted by rule 4-7-2

Charging is illegal personal contact caused by pushing or moving
into an opponent’s torso.
a. A player who is moving with the ball is required to stop or change direction
to avoid contact if a defensive player has obtained a legal guarding position
in his/her path.
b. If a guard has obtained a legal guarding position, the player with the ball
must get his/her head and shoulders past the torso of the defensive player.
If contact occurs on the torso of the defensive player, the dribbler is
responsible for the contact.
c. There must be reasonable space between two defensive players or a
defensive player and a boundary line to allow the dribbler to continue in
his/her path. If there is less than 3 feet of space, the dribbler has the greater
responsibility for the contact.
d. The player with the ball may not push the torso of the guard to gain an
advantage to pass, shoot or dribble.

Of course, you also need to know what "legal guarding position" is.