ca-consumer-debt

Use this skill for California consumer-debt defense — debt-buyer suits, original-creditor collection cases, and matters involving FDCPA, Regulation F, California Rosenthal Act, CDCLA licensing, FDBPA chain of title, or California UCL. Triggers include "California debt-buyer defense", "I was sued on a credit card in California", "collection agency sued me", "Rosenthal Act", "FDBPA chain of title", "unlicensed debt collector California", "validation notice", "time-barred debt California", "chain of title California debt", "business records California debt", "Rosenthal counterclaim", "consumer debt attorney fees". Subject-matter bundle covering FDCPA / Reg F / Rosenthal Act / CDCLA / FDBPA / UCL substantive law, chain-of-title doctrine, and discovery banks (RFPs, RFAs, interrogatories) for debt-defense litigation.