ROAD LOANS AND TRIAD FINANCIAL overcharge interest, illegal phone calls Littleton, Colorado

What's illegal about them calling for payment? Look up "simple interest loan" and you'll see why your balance is going down slower than you expect.
If you paid them on time your problems would go away.

Did I get your attention?  OK, good.  I'm not going to call you names or insult you.  I just wanted you to read, understand and hopefully implement. 

Apparently you are either new to finance or don't know much about how finance operates.  That's OK.  But let's have some school time!  When you or anyone else signs a financing contract, the lender agrees to supply the money and the borrower agrees to pay it back with each and every payment on time, everytime.  The contract does not contain exceptions to this.  The borrower is on the hook for the payments without regard to job loss, death, illness etc, etc, etc.  The opposite is true also.  The lender cannot come to you saying something like: "we've had a bad month this year so we want you to make three payments this month to make up for it!".  When you filled out the contract, the only reason they ask for references is so they can call them to find you in case you don't communicate with them.  There's nothing illegal about this, its done all the time.  If you still don't pay, they have the right to pick up the car.  The fact you know you are late on a payment is your warning you are looking down the barrel of a possible repo.  For them to call you and tell you they are sending the hook tomorrow would be stupid.  The borrower could hide the car, damage the car or destroy the car.  That, my friend, also happens all the time too! 

The lender's ONLY interest is the money you owe them.  They are not your counselor, your father, your clergyman, your financial advisor or a shoulder to cry upon.  They only want their money, PERIOD!  They are under ZERO OBLIGATION to "help" you, me or any borrower.  They want their money because that's why they are in the picture in the first place.

That contract you signed contains an amount which is the total of all payments.  If they repo the car, you are STILL on the hook for that amount.  A repo makes the car go away but NOT the contract.  They will sell the car at auction and whatever they get for it is subtracted from what you owe.  The remaining balance is STILL your responsibility and often they sue the borrower for that amount.

The reason the principal balance is only decreasing slowly was adequately explained by the previous responder.  Again, nothing illegal about that.

You lost your job but your obligations didn't run away.  You need to get out there and find another and please don't tell me there are no jobs.  That's an excuse people use when they don't want to work.  You may not find your "dream job" but that doesn't matter now.  You need money.  You may need to work two jobs or also part-time on weekends.  YOU NEED MONEY!  You need to get on a payroll to meet these obligations.  So my friend, what are you going to do?  You are not in an impossible situation.  The only person who can help you is YOU!  Good luck!

SHALOM!!!