Or, here's a third option, because I just had this happen to me.
There could be an error when paying for a month's service. My bill is usually due on the 25th and I always pay it on that day. For July, I paid online, which is something I have never done. I usually get the cards at WalMart or Best Buy. Then the trouble started....
First, I couldn't send or receive any texts as of the afternoon of the 25th. Then, on the afternoon of the 30th, I lost data. I had voice the entire time.
The text part was really bothering me. My wife works as a caregiver and is gone Saturday morning to Tuesday afternoon and text is our primary method of communication. I started flipping out. I read everything on the forums resembling my issue. I even saw the "Radio Interface Resource Shortage" error when trying to text. OK, it was only once, but it was there....
$300 down the drain. I was getting mad at myself for being a cheapskate and not getting the Galaxy Nexus on T-Mo or Simple Mobile....
Anyway, after I cooled down, I noticed when accessing the "My Account" section at VM's site, it was acting like I had not paid when I most assuredly had. I sent a quick note to VM's support from their website. I basically said "I haven't had text for a week and can't access data services as of today. Can you take a look? Thanks!" Since I work nights, I sent that in the wee hours of the morning of the 1st. My phone was fixed and ready to go when I woke up for work.
According to the email, it was a glitch on their end. Everything is working as of this post AND they gave me back the 30 or so minutes I used this month.
Best of Luck!
TL;DR - Could be a billing quirk, try VMs support site.
