Sounds a bit like dry skin or even eczema- eczema is usually little scaly. I'd start with switching to a different laundry detergent (often times that is the cause of eczema), don't use fabric softener, and use a fragrance free moisturizer on the area.
If that doesn't seem to help, it's best to have a doctor take a look at the spots to determine exactly what they are. The doctor will be able to gather much more of your health history and do an in person exam- both pieces are essential for an accurate diagnosis.
Just wanted to check in to see how you were doing? How are the spots- any better?