It's also worth noting that you may lose your current phone number if you choose to pay the ETF. Usually paying the ETF is for someone opting to end their contract early and discontinue service with Verizon. Not sure if they have changed this or not but it used to be if you did this and tried to get service again within I believe a 90 day period they would open your old account back up under the same terms...meaning you would still have to complete the contract as it was. At least that was my understanding. Just something worth considering and making sure you get the correct info to before moving forward.