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The “fine” — aka ransom — ranges from about 0 to 0, says Savage.Also, criminals favor payment via wire transfer or anonymous online payer networks, he says.The solution: The best defense is preventive, says Savage.Another settled for a .9 million judgment, he says. If you don’t recognize a charge, call your phone company for an explanation, Pozza says, and request a refund for anything you didn’t authorize.Some phone companies also allow you to block third-party billing. When it finds a pattern of “cramming,” it can take action, says Pozza.

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The tipoff: On the bills, unauthorized “fees” can show up as everything from horoscope alerts to ring tones, he says.

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