You should trim off the offending hair and then bathe the cat with a gentle shampoo.
You should also talk to your vet about giving your cat a supplement that contains omega three fatty acids. This will treat any skin problems from the inside out.
Most cats that are in good health will groom themselves so well that they don't get mats or have flakes. Since she is not, I would worry more about a health condition that might be making her not take good care of her grooming.
I think that you should see your vet for a workup.
A vet visit should be between 35 and 50 dollars. Blood work would be extra and can range from $10-100.
Let me know if you still have specific questions.
Let me know if you still have questions.
