Iola Scruse, 66, of Louisville: must pay $6,000 for the 872 songs her grandchildren downloaded, in addition to court fees. (CNET News)

Kathy Hartness, 47, Kentucky: grandmother, churchgoer and gardener; never in trouble with the law ..until she was served with papers in June for downloading music a year ago on KaZaA. She claims she stopped a year ago, after news stories reporting 11 Kentuckians had been sued for illegal sharing and downloading, but it was too late. The recording companies were already tracking her down. "I really didn't know I was doing anything wrong. When they say that 4 million people are on there (KaZaA), it must be OK, or why would there be so many people on there?" (CNET News)

Music file-swapping lawsuits filed by RIAA were against four college students accused of making thousands of songs available on campus networks. Those cases were settled earlier this year for $12,500 to $17,000 each.

The RIAA can seek up to $150,000 in damages for each song illegally traded online. Most of the 1,300 defendants who have settled RIAA charges during the past year have paid an average of $3,000.