The coverage is the number one complaint for T-mobile. They are price competitive and that is why you pay for what you get. If you have a contract and the service is shut off, you will be billed the the extra 200 for breaking the contract on top of the bill. If it goes to collections then it will effect your credit and chances of getting with another carrier. If you don't plan to pay the bill, go with the other carrier before it shows up on your credit. Your payment history will show up too and you might not be able to switch. Your best bet is to get someone to take over the phone till the contract is done. You can switch your plan to the lowest minute plan with out extending your contract till the contract runs out. Their cheapest plan is 20 bucks. If the cost of this plan plus the bill you owe so far is less than the 200 bucks and the bill to get out of the contract then I would go with that. You can make minimal payments to keep the phone on as well. You will have to ask how much is the minimum. You have to be in an area with absolutely no coverage. Partial coverage doesn't count to cancel the account. I had a crappy plan with them and went over my minutes a lot. I owe them 1,000 and cant get with another carrier with out paying a 500 deposit. Whats funny is I later worked for a temp agency and was on assignment for 90 days as a customer support rep for them. It sucked working for them and being their customer LOL