SMS Loan-Pivot Campaign for debt relief leads. Case Study: 3 Clients, 3 Different Data Strategies

At Laxir, we specialize in lead generation for high-performing verticals such as debt relief, mortgage, and high-risk merchant services. Over the past three months, our loan-pivot SMS campaigns have delivered exceptional results, showing how the right combination of strategy and data quality can drastically impact ROI.

How Our SMS Loan-Pivot Campaigns Work

The process is simple but effective:

1. We send out loan-style SMS offers to targeted leads.

2. Prospects call in expecting loan options.

3. Your agents pivot the conversation to debt relief.

This direct response model consistently generates high-intent inbound calls and allows for strong closing opportunities.

Case Study 1: Client A (Provided Their Own Data)

• Texts Sent: 120,000

• Cost: $6,000

• Calls Received: 1,311

• Cost per Lead (CPL): $5

• Deals Closed: 33

• Cost per Acquisition (CPA): $182

• Total Enrolled Debt: $752,000

Result: Excellent call volume and conversion rates. Using their own aged mailer data, Client A achieved one of the lowest CPAs we've seen.

Case Study 2: Client B (Provided Their Own Data)

• Texts Sent: 255,240

• Cost: $12,762

• Calls Received: 642

• CPL: $20

• Deals Closed: 14

• CPA: $912

• Total Enrolled Debt: $527,000

Result: The lower quality of their data resulted in fewer calls and higher CPA, but the campaign was still profitable with strong enrollment value.

Case Study 3: Clients Using Our Data (Social Opt-In vs. Equifax)

Social Opt-In Data

• One client generated $250K in enrollments from 100K texts.

• However, the volume included many low-debt leads (<$10K). To improve efficiency, they split traffic: offshore reps filtered out low-debt calls and transferred only high-value leads to U.S. reps.

Equifax Data

• Equifax leads produced fewer calls but much stronger quality:

  • Credit utilization >70%

  • FICO scores 560–720

  • Unsecured debt >$25K

  • Minimal late payments

• Test campaign: 500K sends → 26 enrollments → $1.27M enrolled debt

• Another client: 95K sends → $180K enrolled debt

Result: Equifax data drove lower call volume but superior close rates and higher enrollment values.

Key Takeaways on debt relief leads

• Client-provided data (especially aged mailer) can deliver high volume and strong ROI when quality is good.

• Social opt-in data provides more calls but may require filtering to improve efficiency.

• Equifax data delivers fewer calls but generates top-tier enrollments, making it ideal for high-performance teams.
  

Ready to Scale?

These case studies demonstrate that our SMS loan-pivot campaigns work — and scale profitably across data types. However, pricing adjustments are coming soon due to rising demand.

Lock in current pricing by starting your campaign before September.

Contact us today to discuss your volume and data strategy so we can deliver similar results for your shop.

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