Motorola I have a Motorola droid force z phone which takes Moto mods attaachments the connectors fell out of phone Nationwide

I was told by Motorola that I have two options send the phone to them and wait 7 to 10 days for them to send me a new one or they can charge a credit card 400 dollars and will credit bact to my account when they receive my phone , I told them I could not go without a phone that long it was only way I had to be contacted by my sick mother and if something went wrong and needed me and I did not have a credit card , they basically said that was the only choices I had and that was it . I have owned nothing but Motorola phones since first ones came out many years ago and never had problems out of any of them till this one when one of the connectors fell out of the back making my Moto mod useless and they can't trust me to send my phone back when I received a new one and service was swapped over. I guess if you don't have a credit card I'm not a good person to them , so the only choice I have is to start buying another brand of cell phone beacouse they won't stand behind there 750 dollar phone , what do you do ???