Are you trying to use an unlock code or trying to unlock with your password? Those are two very different things.
If you are trying to bypass the password, then it cannot be done, and certainly not by paying $20 to someone in NYC or wherever. Now if you are trying to use an unlock code to unlock the device so you can use on another network, then $20 might work. And then the 1 attempt left makes sense, bunt in that case it will render the device forever locked to the carrier it is locked to now.
What exactly are you trying to do?
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