Thank you, thank you. This process worked. I had to hold buttons several times to even get it in to recovery mode. I am a more visual person so I googled for youtube videos and found a few. My phone was so stubborn. And since I back up to the iCloud and not iTunes I was concerned about how was I going to get all of my apps back onto my phone.
Between this phone getting stuck, me getting frustrated, my doing google research and retrying, retrying, retrying...this whole process took 24 HOURS. I know that this will be an ongoing problem and I am disappointed with Apple for giving us a "fix" without really telling us how to prevent this problem in the first place. Good medicine is preventative not reparitory.
But I thank you for finding this "fix" for me.