Best Answer :
It is going to be way, way less trouble for you to just talk to Apple's iPhone support folks on the phone and just arrange to have them mail you a box so you can mail in the phone for repair. It doesn't take long: they overnight the box to you, then it overnights to and from them. You'll only be out a few days. If you can borrow an unlocked or AT&T phone from someone, you can even put the SIM card from your iPhone into that while the iPhone is getting repaired and just use the one you're borrowing in the meantime. Seriously, this is your best option.
Unless, of course, the iPhone is damaged. In which case you have a much more difficult problem.
But, if you choose the more difficult path and still want to return it:
Did you buy it from AT&T or from Apple? If you bought it from Apple, contact their phone support and ask to speak to "customer relations". See if they can help you. The problem is, Apple has nothing to do with your cell phone plan, only with your phone. AT&T is the one in charge of your plan, and thus in charge of terminating it. CR might be able to pull some strings, but they may just as likely be unable to. You will probably have to talk to AT&T as a result, since they're the ones who will want to charge you the ETF. Just keep asking to speak to a manager until you get someone with the authority to override the ETF and make your best case.
As someone who dealt with iPhone support on the company side of things for both Apple and AT&T, I can tell you that it will help you tremendously to keep your cool when speaking to them. Be calm and rational. Do not yell or shout. Acting like a wild angry person will not help your case, they are much more likely to give you what you want if you're reasonable but firm.
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