Can at&t lock my iphone if i stop paying for it?

I bought an iphone 5c at at&t a few months ago through the my next bill program thing so i'm currently making monthly payments on the phone. But at&t is too expensive and i wanna switch to tmobile and not pay the next at&t bill. So if iwait til they disconect the line then i go to tmobile will i be able to connect my iphone with them? Or can at&t lock the iphone since its still practicaly theirs

They will blacklist your phone from all networks if you don't pay a huge cancellation fee ($250+).

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