Here's the rest of the story.

Got home and looked up the phone using BiM Live Tracking. I turn the map to "hybrid". The last location seems to show the phone in a house. I drive to the house and ring the doorbell. This late-twenty-something dude answers the door. I ask if he found a cell phone at the Royal Farm Store just up the road... that the phone has tracking software on it and it looked like it's here in his house. He denies having it, so I said, "Well, I guess I'll have to have Verizon suspend the account."

I drive to White Marsh and have Verizon suspend the account.

That's it.

Luckily, there's nothing of real importance on the phone on the 1 Gig memory card, but a little bit of playing around (until the account was suspended) and whoever has it could have very well gotten into my two email accounts without needing to know the passwords. I won't set that up like that again.