Small loan companies

Typically original creditors are not bound by the fdcpa, hence they can continue to call.

Who are the small loan companies?

That is correct, you cannot stop an original creditor from resonable calls.

The one company that is harrasing the most is called Covington Credit. They almost always have very harasing people in thier office, if one isn't harrasing enough for them they get rid of that person quick. We have dealt with a few nice people in the office, but most of them don't stay long. The other one that has called but not as bad as Covington is
Alliance finance, but we got a note from them the other day saying that they were going to move on to other forms of collection, which is fine all I wanted was to not have to worry about paying something we can no longer pay due to job hour cuts, not getting paid from one job we helped my stepdad lay the carpet on at all, and taking my son to Childrens hospital. The third one that hasn't called since getting the letter is Toledo and we actually went over there ourselves and thanked her for her respect and understanding and that just as soon as we get it she will be the first to be paid off. We are not planning on sticking these companies with something that we owe we just can't make the payments at this time. We have been with most of these companies for around 5 years now and paid every single loan we have had off, it's not like we just decided to not pay this time. We even wrote that in the letter just as soon as we get it we will pay it off. We had held back on 2 others we planned on keeping them open as to not completely ruin our credit as much as it already is.
Thank you for the advice as apparantly the advice we had recieved was wrong and as sad as it seems it came from one of the old managers at Covington Credit.

Have you contacted a debt counselor on this site? It sounds to me like you need some advice on how to talk to your creditor???