This past spring, Steve bought a shiny new iPhone 4S. It seemed like a good choice because his son was about to be born, and the 4S has a pretty nice camera for photographing adorable babies. When he got home, he discovered that Verizon’s coverage wasn’t so great there, so he brought the phone back within the initial 14-day return period. They took it back, charged him a restocking fee, no problem. Then, more than six months later, the collection calls began. Wha? [More]