Deciding which court that you want to sue in can depending on many factor.  Perhaps the most important is the amount in controversy and if you are a multistate company.  If the amount of the debt is over $75,000.00 and your company has offices in more than one state then you might want to consider filing in federal court.  Filing in federal court cost about $350 to file your lawsuit.  However, it is more time consuming due to the federal laws and local rules that you have to follow.

The amount in controversy should not be the controlling factor.  The most important thing should be whether, your company has a location with more favorable laws to use to its benefit or if there are federal statutes or legislation that is more beneficial than state law.

Otherwise, I personally think it is always cheaper, easier, and faster to file in State court.