Is it possible to not pay ATT if I stopped using service after buying iPhon

I would like to buy iPhone 3Gs and I don't mind subscribing to ATT, but my concern is:
What if I didn't like iPhone & neither ATT service after buying it, *is it possible just to stop using both of them (iPhone & ATT) or I'll have to pay for 2 years no matter what happens?*
Its logical that if I didn't pay after 4-5 months, they can stop the service & iPhone will get locked again and that's all, isn't it?
Regards,
Alan

You can return an iPhone for payment credit within 30 days after the purchase date - less a 10% restocking fee, and cancel the contract with AT&T within the same time frame with no early contract termination fee charged by AT&T. If you cancel the contract after the initial 30 days, you will be charged an early contract termination fee by AT&T and you keep the iPhone. The iPhone will remain carrier locked with AT&T, and unless the iPhone remains activated with AT&T, you have no warranty coverage. The iPhone includes a one year warranty.
If you don't pay after 4-5 months and you ignore being contacted by AT&T about your past due balance, your service will be cancelled, AT&T would eventually turn this over to a collection agency, this would be reported to credit bureaus affecting your credit history. Go to get service with another carrier with a subsidized phone, and you will likely be forced to pay a deposit before being granted credit again with a post-paid account.
The iPhone is sold in the U.S. as carrier locked with AT&T only, and remains carrier locked with AT&T regardless if the iPhone remains activated with AT&T or not.

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