Depends purely on the network and contracts
by SPIKE
Ok when you get free texts and free calls, if you don't use them up in a month are they carried over or do you lose them?
No, you keep it.
Also when you no longer want to phone do you have to send the handset back?
If you lose the phone/or it's stolen, normally you have to pay off the full amount of the contract.
And what if the handset is lost or broken?
If you break it, same thing, unless you get phone insurance.