ca-consumer-debt

ca-consumer-debt is a skill for Claude Code from codearranger/claude-legal. It costs 190 tokens per session (6,991 once invoked), scanned A, original, no licence file.

A guide for defending California consumer-debt lawsuits and collection claims. It covers cases brought by debt buyers, original creditors, and issues under several federal and California debt-collection laws.

In plain words
What is it for?
Use it to work on debt-buyer lawsuits, credit-card collection cases, debt-buyer licensing questions, ownership records, and claims under the FDCPA, Regulation F, Rosenthal Act, CDCLA, FDBPA, or California UCL.
Why use it?
It helps identify the rules that may apply when a creditor or debt buyer seeks payment in California. It removes the need to research these specific debt-defense laws from scratch.

Skill for Claude Code

Written for Claude Code: shipped in a Claude Code plugin.

Part of the ca-court-docs plugin — 21 skills shipped together

Good fit Use it to work on debt-buyer lawsuits, credit-card collection cases, debt-buyer licensing questions, ownership records, and claims under the FDCPA, Regulation F, Rosenthal Act, CDCLA, FDBPA, or California UCL.

Compare 6 skills from other repositories ↓
Install with agentmods
npx agentmods add skills/codearranger/claude-legal/ca-consumer-debt
Install

Getting it into your agent

One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.

Any agent
npx skills add codearranger/claude-legal --skill ca-consumer-debt
Clone the repo
git clone --depth 1 https://github.com/codearranger/claude-legal

Made for: Claude Code.

Or install ca-court-docs, the plugin that ships this one along with the rest of its 21 skills.

Wrote this? Show the measurements

A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.

agentmods badge for ca-consumer-debt

README.md
[![agentmods](https://agentmods.dev/badge/skills/codearranger/claude-legal/ca-consumer-debt/github.svg)](https://agentmods.dev/skills/codearranger/claude-legal/ca-consumer-debt)
Your own site
<a href="https://agentmods.dev/skills/codearranger/claude-legal/ca-consumer-debt"><img src="https://agentmods.dev/badge/skills/codearranger/claude-legal/ca-consumer-debt/github.svg" alt="Measured on agentmods" height="20"></a>

Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.

agentmods 80×15 button for ca-consumer-debt

Your own site · 80×15
<a href="https://agentmods.dev/skills/codearranger/claude-legal/ca-consumer-debt"><img src="https://agentmods.dev/badge/skills/codearranger/claude-legal/ca-consumer-debt.svg" alt="Reviewed on agentmods" width="80" height="20"></a>
Per session 190 Skills are progressive disclosure: only the name and description are preloaded; the body loads when the skill is used.
When invoked 6,991 The whole file, excluding the scripts and references it only reads on demand.
Security scan A 0 findings. A grade says what 26 rules found in the file — not that it is safe.
Origin unknown No closer match found in the catalogue.
Token cost

What it costs to keep this loaded

Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.

ModelPer sessionOnce invoked
Fable 5.1 $0.00190 $0.06991
Opus 5 $0.00095 $0.03495
Sonnet 5 $0.00038 $0.01398
Haiku 4.5 $0.00019 $0.00699

Measured 12d ago against content hash 9905b852a0cd, method: parsed. Prices are Anthropic first-party input rates as of 2026-09-12, from the pricing page.

Security

Grade A, and why

ca-consumer-debt scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 12d ago.

A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.

Nothing flagged

None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.

plugins/ca-court-docs/skills/ca-consumer-debt/SKILL.md · 673 lines

The source is not reproduced here

A licence we could not identify

The repository carries a LICENSE file, but it is custom or dual enough that GitHub cannot name it and neither can this catalogue. Unknown terms are not permission, so the body is not copied here. Read the licence at the source and decide for yourself.

Read it on GitHub

Changes

What this file has done since we first saw it

Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.

  1. 12d ago First seen · 673 lines · 190 tokens per session scan A 9905b852a0cd

Subscribe to this mod's changes

ca-consumer-debt is a skill published in the GitHub repository codearranger/claude-legal (22 stars, last pushed 24d ago), with no licence file. It adds 190 tokens to every session and 6,991 once invoked, about $0.0010 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-30.

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