Following ZF Micro Devices, Inc. v. TAT Capital Partners, Ltd. (2016) 5 Cal.App.5th 69, this decision holds that the filing of the complaint tolls the statute of limitations for all claims the defendant pleads in a cross-complaint, whether compulsory or permissive, so long as the cross-claim was not time-barred at the time the complaint was filed.  This limitations tolling doctrine properly applies to a federal claim under the FDCPA since it does not conflict with that statute’s express language that states the claim accrues at the time of the violation.  Here, Credit Consulting sued Paredes to recover fees for dental services which Paredes claimed the dentist had provided under an agreement to accept a health insurer’s payments as full payment for the services.  The decision holds that this agreement was a consumer credit transaction in which dental services were rendered without immediate payment and with the promise the insurer would pay later.  Thus, both the FDCPA and the Rosenthal Act applied.