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Currently Being ModeratedFeb 6, 2013 3:29 PM (in response to peanutbray)
If it's a passcode lock and you can't remember the passcode, you'll have to restore the iPhone as outlined here -> iOS: Device disabled after entering wrong passcode
If it's a SIM Lock and you can't remember the pin, you'll get three tries before you need a new SIM. You shouldn't have to restore, but if you do, you may be able to pop the SIM out and then restore the iPhone.