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If you are (or have already been) hit by this scam, contact the FBI’s Internet Crime Complaints Center.“You very well could have the one piece of information” that could help catch the criminals, says Savage.This is a scam, says Rose Chan, a consumer advice counselor for Consumer Action.The tipoff: Utility companies send warnings, or use automated calls as reminders.Another variation: A text “alert” from your bank or cellphone company that your account’s been frozen. But with a scam, that link leads to a look-alike site that thieves use to harvest personal information, says King.The solution: Skip the link, and just log in to your account as usual, he advises.

King, the attorney general of New Mexico.“They reach out to thousands of people and know that someone will bite,” he says.

In this one, the “cable company” (or some other utility), wants to give you a great price on a service upgrade or new equipment (such as a DVR or deluxe entertainment package).

But you have to pay for it now with a debit, credit or prepaid card.

It works because you downloaded something secretly salted with malware, which the criminal used to hijack your computer and encrypt your data or operating system, says Savage.

The tipoff: Government agencies and private software companies don’t lock up computers and assess fines.

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