1. Companies that owe loans usually have the right to take appropriate measures to recover their debts. They may choose to collect money at home to increase the pressure and warning effect on borrowers.

2. Door-to-door collection can make the debt problem more realistic and urgent, thus urging borrowers to repay their debts as soon as possible.

3. The collector may provide opportunities for repayment through face-to-face communication and negotiation, such as making an installment plan or postponing the payment date.

4. Door-to-door collection can also provide direct communication between the two parties, and creditors can clearly explain the legal actions that may be taken in the future and seek ways to solve the problem.

Summary: Under applicable conditions, companies that owe loans usually take the way of home collection. This way can strengthen the borrower's understanding of the debt problem and provide opportunities to solve the problem. It is important that borrowers should cooperate with creditors, actively seek solutions and avoid further legal disputes, whether they collect money at home or not.

Extended data:

Specific collection procedures and regulations may vary by region and company. In case of similar situations, it is suggested to contact relevant creditor companies or consulting institutions to learn about the specific applicable laws and regulations.