I have a verizon plan I inherited from my mom, who passed away last year. My phone is paid off. But she owed $1500 on the plan when she passed away, and I can't pay that off. I have been paying over $400/month to try to pay the bill, and they keep cutting me off when I can't pay more. I want to switch companies. But Consumer cellular said I have to get Verizon to unlock my phone and get a transfer pin from Verizon before they can activate consumer cellular on that phone. So two questions: Is there any hope of getting my phone unlocked, and/or a transfer pin without paying off that previous amount? Does anyone know whether I actually have to have a transfer pin if my phone is unlocked? Thank you.