harassment complaint

I would like to lay a positive complaint against Barko Financial Services, I took out a loan in desperate times and the process was flow less, I took out loans about 4 times with them the last one being in December and I did not make the payment in January for the last one I took, and the consultant who assisted me keeps contacting me for the repayment which is fair, however I do not see the point of them coming to my workplace as I now see that as harassment, and nowhere in their contract does it say they will come physically collect the cash at my workplace, I mean what will I give to you physically that I cannot give electronically, or do the people think we as client keep stashes of cash with. With that said I would like to make a proper arrangement with Barko as I am struggling now to make the payment at once as agreed on the contract, I think and believe that your collection system can be improved as harassment will not lead to any payment but rather annoyance. where and how can I make a proper arrangement without being harassed. Thank you and keep helping the needy.