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I understand your comments, just curious as to the where a suit would be placed. Do contracts need to specify the governing laws? Is that how one decides or is it where the place of business or property resides?

so what if it was a business agreement between the two parties and it was more a breach of contract? Just curious now.

Actually - back to the original question. Wouldn't the state where the property resides be the jurisdiction? I believe you said maybe above or does it need to be done somewhere else. I know you said the court can't order someone to pay, but just more curious as to where the complaint should...

Thank you for your assistance! This gives me enough information for right now.

It is over the 75K mark - and what I am trying to accomplish is getting the mortgage paid off. One party simply wants to have it foreclosed on.

Ok - A little bit of more information that may be of assistance - both parties lived in different states (X, Y) and purchased real estate in State Z. One borrower is defaulting on the loan. Wouldn't state Z be a common place for the lawsuit given that is where the property is located? So...

What court has jurisdiction over a dispute between co-borrowers located in different states? Thanks JP