Short answer
Your account was likely sold. After a lender charges off an account, it may sell it to a debt buyer, which then sues in its own name. The petition should identify the original creditor.
Helpful next
Sources
- Tex. Fin. Code ch. 392 (Texas Debt Collection Act), incl. § 392.307
- Texas Rules of Civil Procedure (Texas Judicial Branch)
Updated November 2026. General information about Texas law, not legal advice for your case. Laws and court rules change; we review these answers regularly.