I just bought a GO PHONE. Not sure what the cheapest one is, but there under $20. I put my iPhone sim in it...sent a tm to my number via email. The GO received it. Then went to ATT wireless, my account, saw the GO, and switched to non iPhone tm plan. I then sent an MMS from the GO to the GO phone. The GO received it. I then put the sim back in the iPhone and Swirly works like a charm....not sure for how long. Anyway, I have a spare emergency phone now and mms works on my iPhone. I know this nothing new, but most people that get swirly working always seem to have multiple phones on their account. I have i'd phone on the standard att $40/$30 plan. I used swirly's settigs wiz too.
It has been working for a solid week now.