Jesus_Saves, You should always backup your firmware before doing anything to your player. You can do this with s1fwx from the Downloads>Tools section and a guide on how to use s1fwx is in the Knowledge Base.
Formatting is usually a safe process provided you do not have a fake or hacked memory chip usually found on 4 & 8 GB players. Formatting will delete all the files you have loaded to your player but should not effect your firmware.
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If you have been ripped off with a hacked player by a seller submit a report to www.ic3.gov
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