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Try calling your cell phone periodically. Hopefully, it is lost somewhere where someone will hear it ring and answer it.
Ask AT&T what your early termination charge would be. Now that you have completed at least 3 months on your contract, they are supposed to pro-rate the early termination fee. Sometimes, when you start asking questions to let them know you want out of the contract, the company will be more cooperative about replacing a phone or finding you a better calling plan. The cell phone business is extremely competitive and companies like to keep customers.
Check on Craigslist for a phone that is similiar or better than the AT&T phone you lost. When you meet the person to get the phone, contact AT&T on the new phone to see if it can be switched to your account. If the phone is tied to an account that hasn't yet had the phone long enough to have "paid" for the initial discount through the length of their service contract, AT&T may not allow you to activate the phone to your account.
Keep in mind that if you decide you want to terminate your service with AT&T and you pay the early termination fee, you are entitled to "port" your cell phone number to another cell phone company, if you want to do that.
Also, try to recall the last time you had it in your hand and anything else you might have had in your hand at the time. I dropped my cell phone in the freezer one time when I pulled out a package of frozen vegetables to take with us to the lake. It rang when I called it the first few times and then it stopped ringing and went directly to voice mail. Fortunately, when I found it a few days later, it still worked.
