My research is very conflicting here. Some say that if it is blacklisted for being reported as stolen, then it will not work on any other networks in the US. Others say that if it's just blocked for non-payment of EIP, then you can still use it on other networks in the US. I am waiting to get the Straight Talk AT&T sim card so I can find out for myself what the deal is.
Yes, I usually use my checking account, which is what I used for this transaction, but I will be switching to my credit cards in the future to have some level of protection (though I don't think i'll be using Swappa or any other online retailer in the near future again).
I know it sounds like i'm bitching against Swappa, but i'm not. I just thought I would have more protection than they provide since they have all of the sellers information and Paypal has all of his account information. I thought if anything went wrong, I would have some recourse. It's not like it's a year later, it's only been 2 months. Also, Swappa does advertise very heavily that they check IMEI, but what good is that if the same scams that people are experiencing on Craigslist are going to happen on Swappa as well. They advertise it as if it actually does anything, but it really doesn't.
As for going after the person, that's an exercise in futility to be sure. Trying to sue him from across the country would surely drive me insane, not to mention cost me more money. No need to throw good money after bad.
Thanks for the info, but I think i'll just unlock the phone and go to Straight Talk.