I got my contract with Verizon about 13 months ago. Yesterday, while using my phone, it switched to the start up screen and was frozen. I tried restarting in Safe mode and as a last resort tried factory reset. It won't even factory reset, it freezes when you select Yes. I took it to the Verizon store who said my only options were to pay $150 deductible to try and file an insurance claim or to pay $300 to buy out the first contract. Any ideas for what I could try since Safe reboot and Factory Reset don't work?