The contract was entered in what state, Georgia or Texas? It's not both. (Why do you think it's both?) Your last sentence suggests that it's Texas - so how does Georgia factor in?
The last payment was made when?
Hi the note was signed and made in 2002. In addition the first loan payment was to be made three years after date of loan (2002). THE FIRST PAYMENT WAS NEVER MADE.
The not was signed in Texas, and sent to GA via mail. SORRY for the confusion.