in-consumer-debt

in-consumer-debt is a skill for Claude Code from codearranger/claude-legal. It costs 212 tokens per session (3,900 once invoked), scanned A, original, no licence file.

A guide to Indiana consumer-debt law and debt-collection defenses. It covers laws such as the federal Fair Debt Collection Practices Act, which regulates many debt collectors, and Indiana consumer-credit and deceptive-sales laws.

In plain words
What is it for?
Use it for Indiana debt-collection disputes, debt-buyer cases, ownership records, consumer-credit issues, and related defenses.
Why use it?
It helps analyze whether debt collection followed applicable rules and identify possible defenses or claims.

Skill for Claude Code

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

Part of the in-court-docs plugin — 23 skills shipped together

Good fit Use it for Indiana debt-collection disputes, debt-buyer cases, ownership records, consumer-credit issues, and related defenses.

Compare 6 skills from other repositories ↓
Install with agentmods
npx agentmods add skills/codearranger/claude-legal/in-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 in-consumer-debt
Clone the repo
git clone --depth 1 https://github.com/codearranger/claude-legal

Made for: Claude Code.

Or install in-court-docs, the plugin that ships this one along with the rest of its 23 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 in-consumer-debt

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

Your own site · 80×15
<a href="https://agentmods.dev/skills/codearranger/claude-legal/in-consumer-debt"><img src="https://agentmods.dev/badge/skills/codearranger/claude-legal/in-consumer-debt.svg" alt="Reviewed on agentmods" width="80" height="20"></a>
Per session 212 Skills are progressive disclosure: only the name and description are preloaded; the body loads when the skill is used.
When invoked 3,900 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 $0.00212 $0.03900
Opus 5.5 $0.00085 $0.01560
Sonnet 5.5 $0.00042 $0.00780
Haiku 4.5 $0.00021 $0.00390

Measured 22d ago against content hash 015a5e0c51ce, method: parsed. Prices are Anthropic first-party input rates as of 2026-10-07, from the pricing page.

Security

Grade A, and why

in-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 22d 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/in-court-docs/skills/in-consumer-debt/SKILL.md · 369 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. 22d ago First seen · 369 lines · 212 tokens per session scan A 015a5e0c51ce

Subscribe to this mod's changes

in-consumer-debt is a skill published in the GitHub repository codearranger/claude-legal (23 stars, last pushed 14d ago), with no licence file. It adds 212 tokens to every session and 3,900 once invoked, about $0.0008 per session on Opus 5.5. 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 2026-10-02.

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