I couldn't get the phone into bootloader mode no matter what key combinations I tried. So with that said, there's no need for a full firmware flash to get rid of the user lock. You can do a hard reset by pressing the volume down+call+end+down buttons. When it powers up it will be in recovery mode. You'll know it's in recovery mode when there's an exclamation point on the screen. Now simply press the menu button and the phone will do a factory wipe. I highly suggest a fully charged battery before a hard reset on any phone.
Peace
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