Talked to the person again, she said that she called them and they told her it was because no matter when you cancel, verizon charges you until the end of the billing cycle, and she cancelled four days into the billing cycle. So I should have a few weeks of waiting to do. That is consistant with what the first of two verizon people said coudl be the case/
It's something I got off of craigslist, so it's always risky but given that the seller has offered to take the phone back and been working with me, also just observing how they have acted through all of this, as well as the verizon people telling me that it hasn't been reported stolen...I would say it's all good, just gotta be patient.