Short answer
For a consumer debt, Texas law lets a creditor sue only in the county where you actually signed the contract or the county where you live when the suit is filed. The federal FDCPA has a similar rule for debt collectors. A case filed in the wrong county can be challenged.
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.