(a) A debt collector who brings a legal action on a debt against a consumer shall:
(1) For an action to enforce an interest in real property securing the consumer's obligation, bring the action in the county where all or part of the real property is located; or
(2) For an action not described in subdivision (a)(1) of this section, bring the action only in the county:
(A) In which the consumer signed the contract sued upon; or
(B) In which the consumer resides at the commencement of the action.
(b) This subchapter does not create a cause of action by a debt collector.
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