Since the Note is governed by the laws of the Commonwealth of Massachusetts, you will need to consult an attorney in Massachusetts to advise you on the process. Even though you live in Georgia, you will have to proceed in Massachusetts. JBT
Massachusetts law may apply, but you can sue the person in Texas if you can find him there or in Massachusetts. Contact a Massachusetts attorney that handles business issues. There may be more to this issue than a collections case.
[I am a Virginia-licensed attorney. This communication is intended as general information and not specific legal advice, and this communication does not create an attorney-client relationship.]