Quote:

Originally Posted by Juicy D. Links Wtf lolol this is a gooooooooooooood one... They updated their T n C "Capital One says it can show up at cardholders' homes, workplaces " http://www.latimes.com/business/la-f...#axzz2tfwp0p63

You have the right not to answer the phone if there is no caller ID you recognize. (Easiest way to spot a phone solicitor or debt collector.)
You don't have to open your door to strangers.
You can't access many private workplaces without authorization -- trespassing is illegal apart from harassment claims.

On the other hand, a creditor has certain rights in the collection of a debt among them is lawful contact with a debtor.
In most cases they have always had these rights. My guess is they got sued for (over?)exercising their rights so their lawyers added exculpatory language in the TOS contract.