I'm currently on a family plan with my siblings that's past due. I have bailed them out for the last couple months, but am not looking to enable their inability to pay their bills on time. Now, I'm looking to upgrade to a Galaxy Note 3 at full retail (to keep my data). I'm unable to upgrade through Verizon with the past due balance, but what they've recommended to me is that I purchase the phone full retail as a new customer, and once I receive the phone, cancel the month-to-month plan. This sounds a bit suspect, but has anyone else done this or know more about this than I? Any help is appreciated, thank you.