Know-How Exchange : Strategy

I need to generate leads among people who have delinquent credit so we can help them negotiate their debt down. This helps the consumer get out of debt and helps the banks avoid massive losses.

I have pretty good data from Experian of people who fit the profile. So we're considering targeted direct mail... offering immediate help if they call an 800#. Or we are considering offering free information and directing prospects to log into a purl. Also we are looking at radio and late night TV but those vehicles seem less targeted and highly saturated with this type of marketing already.

Thoughts about targeting and messaging strategy?