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The phone you were leasing must be returned in good working condition and undamaged.

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.

If your phone is lost or stolen, most networks will be willing to replace it, however you will usually have to pay for the replacement device. Some networks may allow you to take out a new phone contract, so you can split the payments over several months without having to pay the whole upfront amount.

Our research has concluded that it's usually better to buy a phone outright, but it depends on your situation. It costs the same to finance a cell phone and there are more financing options now than ever before.

If you plan to upgrade to the newest model every year or so, leasing may be right for you. You'll have lower monthly payments than you would for buying a phone, and you can get an upgrade later with similar terms.

If you can be content using the same phone for two years or longer, your better off just buying your phones outright. Overtime, lease payments could add up to far more than you would pay for the phone upfront assuming you don't trade your phone in every year or two.

Once the leasing term is up, you can either swap the old phone for a newer one (at likely a more expensive leasing cost), pay off the remaining cost of the phone immediately to own it outright, or switch to an installment plan to pay off the remaining cost that way.