Short answer
A Texas creditor usually has to sue you where you live or where you signed the contract. If you now live in another state, a suit in Texas may be filed in the wrong place. Don't ignore it, though: venue and jurisdiction objections must be raised properly and on time.
Helpful next
Sources
- Tex. Civ. Prac. & Rem. Code ch. 15 (venue), § 15.035
- 15 U.S.C. § 1692i (where a collector may sue) (Cornell LII)
Updated November 2026. General information about Texas law, not legal advice for your case. Laws and court rules change; we review these answers regularly.