pre-paid cell phones.

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ok..im not one to really use the phone for long conversations. i cant. u get me on the phone 5 mins later, im gunna wanna get off. (sorry, i type like i talk..lol) now, im thinking of getting a pre-paid phone, cuz i always get bad luck, phone gets shut off cuz i cant pay for it, then boom, they hit me with like 200-300 dollars for getting it shut early. i need advice on which is the best pre-paid phone services plz. thnx =D