So I switched to Mobilicity and also transferred my phone number without knowing that that would terminate my contract with FIDO (I only had a month left). So now they want $100 out of me. I called them today and they won't budge. Is there any way I can get away with not paying them? Would it hurt my credit rating somehow if I didn't pay them, say, for a year? Are they going to hunt me down?! (I'm a student)