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Your account will go into default and the contract will be cancelled if you don't take action to pay the debt. The cell service provider can then proceed with the standard debt collection process to take measures to recover the unpaid account.

T-Mobile and Verizon are now willing to pay your early termination fee or part of your remaining phone payment balance when you switch networks (check each provider's website for details).

Leasing a phone is similar in concept to monthly installments, as you pay a specified amount per month—the main difference between the two is that you won't keep the phone at the end of a lease, whereas the phone is yours when paid for through monthly installments.

End of Lease turn-in If you decide not to keep the phone, you must turn it in at a T-Mobile store. You can then decide to start a new lease on a new phone, or talk with our team about other upgrade options, such as an Equipment Installment Plan (EIP).

Does financing a cell phone build credit? Financing a cell phone may help you build credit if your payment activity is reported to one of the credit bureaus. If it isn't being reported, you won't build any credit.

Any outstanding balance must be paid in full before switching carriers. How much you owe depends on a number of factors including payments left on devices, current account balance, billing promotions, and trade-in value of phones you may be willing to sell to the carrier.

T-Mobile Carrier Freedom. Bring your eligible phone with you and we'll reimburse your remaining phone payment balance when you switch from select carriers (including Verizon and AT&T) to T-Mobile – up to $800/line (up to 5 lines) via virtual prepaid card.

Your mobile provider could cut your phone off so you're unable to make or receive calls. If you don't take steps to deal with the debt, your account will default and the contract will be cancelled. The mobile provider can then take action to recover the outstanding bill, following the normal debt collection process.

Switching to a Major Carrier The big three carriers will often pay your ETF and the remaining value of the device as a trade-in. The real question is whether or not you can keep your phone at your new carrier. This depends completely on their regulations and the network.