we have sprint. have you looked to see if there are any problems with that phone? my boys all had the rumor. one of theirs, the screen started flashing and then turned white. we did not have the insurance plan on it, but it was a known problem and they swapped it out for $35. Same thing happened to one of the others, but he didn't take care of his phone and they charged us $50 for that (was missing little rubber plugs on some of the holes.). The $50 was cheaper than the $90 they wanted to charge us for replacement. They both ended up with new phones.
FYI We have bought phones from Craigslist without a problem. My son bought his Samsung Moment through CL. He asked about a clear ESN, but when he went to buy it, he asked the seller to meet him at the Sprint store to check and switch to the new phone right then and there. Hubby bought a month old blackberry for me through someone at his work. The guy's girlfriend wasn't happy texting on it, went back to a rumor. I think they also sell refurbished phones.
If you don't mind me asking, where in Michigan are you? We have some rumors laying around here, if you're close enough I would gladly give one to you. I just seem to be moving them around the house.