Hello,
to format your phone is the same as setting it to factory default. To factory default your phone, go to phone menu, settings, and locate the factory default settings on your phone, then press it.
After factory resetting your phone, check if the problem will still persist. If the problem persists, then it means your phone needs to be flashed. This is not what you can do yourself, you need to consult a phone tech that will help you out. Factory restoring the phone is not a sure way of eliminating virus, because the virus may have damaged some of the phone system files.
Flashing your phone means, formatting the phone completely. That is, the system files on your phone will be deleted and a fresh one will be installed. This is the surest way of wiping off the virus from your phone. The tech will use a computer and cable to carry out this action. You phone will look like brand new when this is done.
So, if factory restoring the phone doesn't solve the problem, take the phone to a tech to help you flash the phone or try installing an anti-virus on the phone and see if it will solve the problem.
Yes, formatting the phone will erase the files system on your phone.
Take care.
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