You can get all sorts of information and entertainment services by calling 900 numbers. These pay-per-call numbers are also used for surveys, contests and charitable fundraising. The "information provider" sets a price for the service and bills you through your local telephone company.

Unfortunately, con artists have added 900 numbers to their toolbox. Some use promises of gifts and prizes to try to get you to call. Others make phony offers to help you find a job or get out of debt. Some even claim to be about a family emergency. Be wary of contests, sweepstake offers, and messages that require you to call a 900 number. Also keep an eye on your monthly phone bill for any unfamiliar charges.

Both the FCC and the FTC have rules concerning pay-per-call numbers. Advertisements for pay-per-call services must tell you the cost of the call. This may be a flat rate, a per-minute charge, or calculated on some other basis. Any minimum or additional charges that you might have to pay must also be identified. If a call involves sweepstakes, prizes, or awards, the ad must give you the odds of winning and how you can enter without calling the 900 number. Pay-per-call services cannot advertise directly to children under age 12 unless they are legitimate educational services.

If you have a dispute over a charge on your phone bill, notify your phone company, deduct the disputed charge, and pay the rest by the due date. You should hear back from the company within 40 days, and the problem should be resolved within 90 days.

You may have other rights according to state law. Check with your state or local consumer protection agency or state utility commission. To prevent 900 number calls from being made from your phone number, request "blocking" from your local phone company. Some companies charge for this service.