> According to AT&T, the iPhone you want to unlock can't be associated with a current active term commitment, and you must already be out of your contract terms (usually two years from purchase) or you must have paid an early termination fee. Your account must be in good standing, too—no $700 overdue phone bills for you. I don't see anything that seems overly strict here. You finish the contract you signed up for, or…
"can't be associated with a current active term commitment" That part is not clear to me. At first sight, it seems to mean that the phone to be unlocked can't be currently associated with a working AT&T account. Meaning, if I use it right now, they won't unlock it even after my two-year contract is up. If that's what it means, it sucks for people who want to unlock to use it abroad.
If your contract is up, you're fine.