Actually hard reset is accomplished (since you can't get to the desktop) by holding the two - buttons to the left and right of the windows and ok buttons and then pressing the reset button with the styli. Then press Y for yes to hard reset and restore it back to factory. You don't have to provision the phone with your cell company. You WILL lose all your added software/data but I've done a hard reset with my storage card in and it didn't format it but I would take it out just in case.
UT/Audiovox XV6700 Verizon phone with BT 500 Jabra headset