Consumer legal-AI skills in 🇺🇸 United States

14 legal AI skills for consumer in United States.

Arizona Consumer-Debt Defense

MITUnited StatesConsumer

Use when defending an Arizona consumer against a debt-collection lawsuit (typically by debt buyer or collection agency, usually in Justice Court). Triggers: "sued for a debt Arizona", "debt collector Arizona", "Arizona Consumer Fraud Act", "debt buyer Arizona", "time-barred debt Arizona Mertola", "credit card statute of limitations Arizona", "FDCPA Arizona", "Arizona collection agency license", "Justice Court debt Arizona", "chain of title Arizona debt", "default judgment Arizona debt". Subject-matter bundle covering federal FDCPA / Regulation F layer, Arizona Consumer Fraud Act, DIFI collection-agency licensing (A.R.S. Title 32), chain-of-title under Arizona UCC Article 9, statute-of-limitations framework including *Mertola* credit-card acceleration rule, two-way attorney-fee exposure (A.R.S. § 12-341.01), Justice Court forum.

California Consumer-Debt Defense

MITUnited StatesConsumer

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.

Colorado Consumer-Debt Defense

MITUnited StatesConsumer

Use when defending a Colorado consumer-debt case — debt-buyer suits, collection actions. Covers **FDCPA + Reg F**, **Colorado Fair Debt Collection Practices Act (CFDCPA — C.R.S. art. 16 of title 5)** with **licensure requirement** (C.R.S. § 5-16-115), **Colorado Consumer Protection Act (CCPA — C.R.S. art. 1 of title 6)** with **treble damages**, **UCCC (C.R.S. art. 1-9 of title 5)**, **chain of title under Colorado UCC Article 9**, and **6-year SOL on credit-card debt**. Triggers: "Colorado debt-buyer lawsuit", "Midland Credit Colorado", "CFDCPA", "Colorado consumer protection", "chain of title Colorado".

Georgia Consumer-Debt Defense

MITUnited StatesConsumer

Use this skill for Georgia consumer-debt defense — debt-buyer suits, original-creditor collection cases, and any matter turning on FDCPA, Regulation F, FCRA, TILA, the Georgia Fair Business Practices Act (FBPA), chain-of-title / standing, or the business-records foundation a debt buyer needs to win. Triggers: "Midland Credit sued me in Georgia", "Georgia debt buyer lawsuit", "Portfolio Recovery sued me Georgia", "LVNV Funding Georgia", "I was sued on a credit card in Georgia", "answer a State Court debt complaint", "Magistrate Court debt lawsuit Georgia", "FBPA", "credit card statute of limitations Georgia", "time-barred debt Georgia", "chain of title Georgia debt", "set aside default judgment debt Georgia", "FDCPA counterclaim Georgia". Subject- matter bundle covering FDCPA / Reg F / FBPA substantive law, chain-of-title and standing doctrine, the debt-buyer business- records battleground, affirmative defenses, discovery banks, and counterclaims for Georgia debt-defense litigation.

Idaho Consumer-Debt Defense

MITUnited StatesConsumer

Use when defending an Idaho consumer against a debt-collection lawsuit (typically by a debt buyer or collection agency, in the Magistrate Division or District Court). Triggers: "sued by a debt collector in Idaho", "debt buyer Bonneville County", "Idaho statute of limitations on credit card debt", "time-barred debt Idaho", "Idaho Collection Agency Act license", "answer a collection complaint Idaho", "Idaho Consumer Protection Act", "FDCPA Idaho", "chain of title Idaho debt", "wage garnishment exemption Idaho". Subject-matter bundle covering the federal FDCPA / Regulation F / FCRA layer, the Idaho Consumer Protection Act, Idaho Collection Agency Act licensing (Department of Finance), the Idaho Credit Code, the statute-of-limitations framework, chain-of-title / standing and debt-buyer evidence foundation, discovery targeting the chain of title, post-judgment exemptions and garnishment, and the two-way I.C. § 12-120 attorney-fee exposure.

Indiana Consumer-Debt Defense

MITUnited StatesConsumer

This skill should be used when the user asks about "Indiana consumer debt", "FDCPA Indiana", "Indiana debt collection defense", "Indiana debt buyer defense", "chain of title Indiana", "Indiana Deceptive Consumer Sales Act", "DCSA Indiana", "IC 24-5-0.5", "Indiana Uniform Consumer Credit Code", "IUCCC", "Indiana 6-year SOL credit card", "Indiana wage garnishment", "Midland Credit Indiana", "Portfolio Recovery Indiana", "Cavalry Indiana", or any related consumer-debt-defense question. Subject-matter bundle covering the federal FDCPA + Regulation F, the Indiana Deceptive Consumer Sales Act (treble damages), the Indiana Uniform Consumer Credit Code, chain-of-title doctrine in debt-buyer cases, the Indiana statute-of-limitations framework, the 5 most common fact patterns, and RFP / RFA / interrogatory banks. Indiana has no state collection-agency licensing regime — defense leans on chain of title + FDCPA.

Michigan Consumer-Debt Defense

MITUnited StatesConsumer

Use when defending a Michigan consumer against a debt-collection lawsuit. Triggers include "sued for a debt Michigan", "debt buyer Michigan", "FDCPA Michigan", "MCL 445.251" RCPA, "MCL 339.901" collection agency license, "time-barred debt Michigan", "chain of title Michigan debt". Covers federal FDCPA, Regulation F, FCRA; Michigan Regulation of Collection Practices Act (MCL 445.251); collection-agency licensing (MCL 339.901); Michigan Consumer Protection Act (MCL 445.901) with regulated-conduct exemption; chain-of-title under Michigan UCC Article 9; statutes of limitations (MCL 600.5807); and the District Court forum. Includes five fact-pattern triage, discovery banks, and affirmative-defenses catalog.

New York Consumer-Debt Defense

MITUnited StatesConsumer

Subject-matter bundle for New York consumer-debt defense. Triggers include 'defending a debt-collection lawsuit in New York', 'NYC Civil Court debt case', 'sued for credit card debt in NY', 'CPLR 213(a) 3-year SOL', 'Consumer Credit Fairness Act', 'CCFA 2022 New York', 'GBL § 349 deceptive practices', 'NY GBL § 600 collection agency', 'debt buyer', 'chain of title', 'sewer service', 'FDCPA in New York'. Covers **FDCPA + Regulation F**, **2022 Consumer Credit Fairness Act** (3-year SOL at CPLR 213(a), CPLR 3015(e) heightened pleading, 22 NYCRR § 202.27-a heightened default-judgment evidence, CPLR 308(six) additional mailing), **NY GBL § 600** collection-agency licensing, **GBL § 349** deceptive acts, **CPLR 4544** small-print contracts, **chain of title** under NY UCC Article 9, fact-pattern triage, and RFP/RFA banks.

Ohio Consumer Debt — Statutory + Common-Law Defenses

MITUnited StatesConsumer

Use for Ohio consumer-debt defense — debt-buyer suits, collection actions. Covers **Ohio Consumer Sales Practices Act (R.C. Chapter 1345)** with **treble damages + mandatory fees**, **2-year CSPA SOL**, **FDCPA + Reg F** overlays, **chain-of-title doctrine**, **Ohio UCC Article 9** (R.C. Chapter 1309), and **6-year SOL on written contracts** (R.C. 2305.06). **NO collection-agency licensure in Ohio** — defenses lean on chain-of-title and FDCPA. Triggers: "Ohio consumer debt", "Ohio CSPA", "R.C. 1345 treble damages", "Ohio chain of title", "Ohio debt buyer", "medical debt Ohio".

Oregon Consumer-Debt Defense

MITUnited StatesConsumer

Use this skill for Oregon consumer-debt defense — debt-buyer suits and collection cases turning on FDCPA, Regulation F, ORS 697 (Collection Agency Registration Act), or Oregon UTPA (ORS 646.605 et seq.). Triggers include "debt buyer", "collection agency sued me", "FDCPA", "1692e", "1692f", "1692g", "validation notice", "Regulation F", "UTPA", "ORS 697", "time- barred debt", "zombie debt", "re-aged debt", "chain of title", "bill of sale", "assignment schedule", "cardholder agreement", "unlicensed collection agency", "DCBS registration". Subject- matter bundle covering FDCPA / Reg F / Oregon UTPA / ORS 697 substantive law, chain-of-title doctrine, and RFP/RFA banks for debt-defense litigation. Composes with or-statewide-format, or-multcc / or-wccc / or-county-courts, or-pro-se, or-law-references, or-discovery, or-first-30-days, or-fact-check, or-deadlines, or-post-judgment, and draft-* skills.

Tennessee Consumer-Debt Defense

MITUnited StatesConsumer

Subject-matter bundle for defending a Tennessee consumer against debt-collection suits (typically in General Sessions Court). Covers federal FDCPA / Regulation F / FCRA layer; Tennessee Consumer Protection Act (§ 47-18-101 et seq.) with Pursell B2B-collection-conduct limit; Tennessee Collection Service Act (Title 62, Ch. 20) licensing; 2024 § 20-6-104 pre- default-judgment documentation requirement for debt-buyer plaintiffs; chain- of-title under Tennessee UCC Article 9; SOL framework (6-year open-account / 4-year goods); sworn-account device (§ 24-5-107); General Sessions $25k civil cap with unlimited detainer jurisdiction; 10-day de novo appeal to Circuit (§ 27-5-108) where formal discovery applies; 5-pattern fact-pattern triage (stale debt, original creditor's contract, medical debt, default judgment already entered, FDCPA counterclaim).

Texas Consumer-Debt Defense

MITUnited StatesConsumer

Use when defending a Texas consumer against a debt-collection lawsuit (debt buyer or collection agency, in a Justice Court debt-claim case, a County Court at Law, or a District Court). Triggers: "sued by a debt collector in Texas", "debt buyer sued me Texas", "Texas statute of limitations on credit card debt", "time-barred debt Texas", "Texas Debt Collection Act", "TDCA violation", "DTPA debt collector", "answer a debt-claim case Texas", "JP court debt claim", "sworn account Texas", "verified denial Rule 185", "surety bond debt collector Texas", "can they garnish my wages in Texas", "Monday rule answer Texas". Covers the federal FDCPA / Regulation F / FCRA layer, the Texas Debt Collection Act (Tex. Fin. Code Ch. 392; § 392.404 DTPA tie-in; § 392.101 surety bond), the DTPA (Ch. 17), limitations, sworn account (TRCP 185 / verified denial TRCP 93(10)), chain-of-title / standing and debt-buyer evidence foundation (TRE 803(6) / 902(10)), discovery, exemptions and the wage-garnishment bar, and CPRC Ch. 38.

Washington Consumer-Debt Defense

MITUnited StatesConsumer

Use this skill for Washington consumer-debt defense — debt-buyer suits, original-creditor collection, FDCPA claims, or CFPB Regulation F / Washington Collection Agency Act (RCW 19.16) / Washington CPA (RCW 19.86) issues in debt collection. Triggers include "debt buyer", "I was sued on a credit card", "collection agency sued me", "FDCPA", "validation notice", "Regulation F", "RCW 19.16", "RCW 19.86", "CPA counterclaim", "statute of limitations on this debt", "time-barred debt", "chain of title", "original cardholder agreement", "Certificate of Indebtedness". Covers substantive law, fact-pattern triage, chain-of-title doctrine, and discovery targeting plaintiff's elements.

Washington Consumer Protection Act (CPA / UDAP) — RCW 19.86

MITUnited StatesConsumer

Use this skill for Washington Consumer Protection Act (RCW 19.86) claims and defenses — the general unfair-or-deceptive-acts statute applicable to any consumer or business matter. This is the matter-neutral CPA home that subject-matter bundles compose with. Triggers include "Consumer Protection Act", "Washington CPA", "RCW 19.86", "UDAP", "unfair or deceptive act or practice", "consumer fraud", "Hangman Ridge", "five elements", "public interest element", "per se CPA violation", "treble damages", "attorney fees CPA". Covers the five Hangman Ridge elements, the unfair-vs-deceptive distinction, codified public-interest factors, per se pathways, remedies (actual + treble capped at $25,000 + mandatory attorney fees), the 4-year SOL, and regulated-industry exemption.