If you moved out of the country and still owe U.S. debt, you may be wondering:

• Can a creditor still sue me?
• How would they serve me if I live abroad?
• What happens if I ignore it?

The short answer: Yes, you can still be sued — even if you live overseas.

Here’s how it works.

Can a U.S. Creditor File a Lawsuit After I Move?

Yes.

If the debt was incurred in the U.S., creditors can generally file suit in:

• The state where the contract was signed
• The state listed in the agreement (forum selection clause)
• The state where you last resided

Your relocation does not eliminate jurisdiction.

How Can They Serve Me Overseas?

Service of process internationally can occur through:

• The Hague Service Convention (for participating countries)
• International registered mail (in some jurisdictions)
• Letters rogatory (formal court requests through foreign courts)

Service abroad is more complicated — but not impossible.

What Happens If I Ignore the Lawsuit?

If proper service is made and you fail to respond:

• The creditor may obtain a default judgment.
• Interest continues to accrue.
• The judgment may remain enforceable for years.
• U.S. bank accounts may be levied.
• U.S. property may have liens attached.

Ignoring the lawsuit does not make it disappear.

What If I Never Return to the U.S.?

If you never return and maintain no U.S. assets, collection may be more difficult.

However:

• Judgments can be renewed in many states.
• Credit damage remains.
• If you return later, enforcement may resume.

Timing and long-term plans matter.

The Bottom Line

Living overseas does not automatically shield you from lawsuits.

If you still have U.S. financial ties, addressing the debt before or after relocating may prevent long-term complications.