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The cell companies are not in the business of saving you money. They don't like phones they didn't supply. That's classic policy anyway. There are enterprising employees who do things under the table. Also, some companies have become more flexible given number portability and the competition it brings.
If you find an ex cell employee or other tech they can program most phones for most networks. If the phone uses a SIM card but it's missing, those can be purchased aftermarket. The trick is choosing the right phone for your network and finding a tech who can program it. Like Cynth said, plenty of scammers out there.
Simplest purchase would be to buy a phone on ebay that was already used for your provider. Providers then charge some activation fee for the 60seconds it takes to program it.
Now that I think about it, might be simpler still to take advantage of number portability. Change providers, and take them up on their free phone offer.
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There are a vast number of people who are uninformed and heavily propagandized, but fundamentally decent. The propaganda that inundates them is effective when unchallenged, but much of it goes only skin deep. If they can be brought to raise questions and apply their decent instincts and basic intelligence, many people quickly escape the confines of the doctrinal system and are willing to do something to help others who are really suffering and oppressed." -Manufacturing Consent: Noam Chomsky and the Media, p. 195
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