text: is it legal for credit card companies to send someone to my house to collect the balance due on my card? i was a little late in paying my card bill & i had specifically asked them to not to send anyone to my house. inspite of doing so they kept sending someone to my house to collect the amount due. is it legal for them to do so? i felt like they were harassing me. can i file a complaint against the card company? i will bet you were a little late.  the collection agency is not going to waste time sending someone to your house, if they thought they could collect more easily.  pay the bill off and you can stop worrying about having someone come to your house.   wait until the next time you want to borrow money. you may not find it so easy.