Before leaving the country, Fermin left his Blackberry on his table along with some junk mail. His mother came over while he was gone to clean up, and swept up the phone along with the junk mail and tossed it. Someone found it in the garbage and used it to make $6,000 in fraudulent calls. Fermin negotiated with T-Mobile to pay $2,000, then they changed their minds without notice and decide to hold him on the hook for $4,000. What’s a consumer to do?