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Here are some common ways crooks get your phone number and cram charges onto your bill. A recording prompts you to give your name and to say "I want the service," or some similar phrase, to get the advertised free service.

You may have no opportunity to speak with an operator or ask questions, but you are automatically enrolled in a club or service program.

Thus, the only thing needed by scam artists that have is a method of inducing you to call them.

Once again, the disclosure on the sweepstakes mailer is very difficult to comprehend; is in very fine print, or is a "negative option" billing, so unless you respond to refuse, they sign you up. Someone may use your phone to call an 800 number for an adult entertainment service, and be offered an "instant calling card." The "calling card" isn't an actual card, but is rather an access process linked to the phone number from which the call was placed, whether or not they are made from your phone. You call an 800 number advertised as a way to meet local people for free.

In fact, some unscrupulous promoter is using the contest to get your phone number, enroll you for a calling card or some similar service, and bill you on your phone bill.

The disclosure on the entry form, which is very difficult to comprehend and in very fine print, says that by completing the form you agree to pay .95 a month for the company's services. You receive a sweepstakes promotion in the mail that tells you to dial an 800 number to enter or claim your prize.

Cramming, the number one telemarketing scam of 1998, refers to putting unauthorized or nonexistent telecommunication or service charges on your credit card, bank account or phone bill.

Con artists have found the telephone billing and collection system to be a fertile area to defraud consumers.

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The charges may just appear on your phone bill as a charge for either a regular long distance or a collect telephone call.

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