Attachments are only available to registered users.
I do recommend you go to gmail.com on your computer and click on the contacts link, then check all your contact groups to make sure the contacts are synced(if not, ask me about contact backup instructions).
Any apps you have, you can also get back after you reset the device by opening the Market, pressing Menu on the phone and choosing "My Apps". As far as any data that is stored on the SD Card(images, music, etc.), it will not be erased. Only the phones internal memory is formatted.
To complete a Factory Reset follow these directions:
If that doesnt work, then its a hardware failure and the only thing left here is to take the phone to your carrier and request a replacement due to hardware failure. Unfortunately, this would be the only option left had the original reset not resolved it.