I got out of my Verizon account without paying the ~$175 early termination fee.

this was the link that helped me

It's pretty funny convincing someone that $0.15/month is a 'materially adverse affect', but one man's $0.15 cents is another man's treasure.

The Verizon supervisor said "we'll credit you the $0.15 cents that we raised the administrative fee."
I said, "thanks but no thanks, I'm going to go ahead and take advantage of Verizon's offer in the agreement."
"but it's only $0.15 cents"
I said, "Hey man it may only be $0.15 cents to you, but it's materially adverse to me. That's great if you're rolling in cash but I've gotta fill up my mini-van and if you haven't noticed gas prices aren't going down."

I might feel a tinge of guilt if their service in my area weren't so bad and drops calls all the time in Los Angeles no less.

At last no longer an iPhone 'have not' and the 3G in three weeks no less.