5. Learn what to do if your phone is lost or stolen

If your phone is lost or stolen, tell your service provider right away. They must stop your phone service right away at no charge. You will have to pay for any extra fees that were used on your phone before you told your service provider it was lost or stolen.

You can then choose to cancel your contract, but you may have to pay a cancellation fee. If you do not cancel your contract, you will need to get a new phone. You will still have to pay your monthly cellphone bill.

If you find or replace your phone, you can ask your service provider to restore service to your phone. The service provider must restart your service at no charge.