Quote Quoting budwad
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But the debt is in Texas, 4 years. I don't know for sure though. I couldn't find anything on Oasis collection but I suspect it is a junk debt buyer.
The creditor or collector is in Texas. That does not necessarily mean that Texas would have jurisdiction to hear the claim. We would need to know more facts to determine that. Specifically, it matters where the OP was living when he took out that alleged pay day loan, how he arranged for the loan, and what, if anything, the contract says about choice of law and choice of forum.