Tx Consumer Debt

Q: What is a Claude Code skill and how does the Tx Consumer Debt skill fit in?

A Claude Code skill is a SKILL.md file that lives under ~/.claude/skills/<name>/ and tells the Claude Code CLI agent how to perform a specific task (instructions, prompts, allowed tools). Skills are auto-discovered at session start. Tx Consumer Debt is one of 67,000+ skills indexed in the open ClaudSkills catalog, classified under the General category. Learn more at https://claudskills.com/learn/what-is-skill-md/.

Category: General · Sub-category: general-misc · Last updated: 2026-08-01

Use when defending a Texas consumer against a debt-collection lawsuit (debt buyer or collection agency, in a Justice Court debt-claim case, a County Court at Law, or a District Court). Triggers: "sued by a debt collector in Texas", "debt buyer sued me Texas", "Texas statute of limitations on credit card debt", "time-barred debt Texas", "Texas Debt Collection Act", "TDCA violation", "DTPA debt collector", "answer a debt-claim case Texas", "JP court debt claim", "sworn account Texas", "verified denial Rule 185", "surety bond debt collector Texas", "can they garnish my wages in Texas", "Monday rule answer Texas". Covers the federal FDCPA / Regulation F / FCRA layer, the Texas Debt Collection Act (Tex. Fin. Code Ch. 392; § 392.404 DTPA tie-in; § 392.101 surety bond), the DTPA (Ch. 17), limitations, sworn account (TRCP 185 / verified denial TRCP 93(10)), chain-of-title / standing and debt-buyer evidence foundation (TRE 803(6) / 902(10)), discovery, exemptions and the wage-garnishment bar, and CPRC Ch. 38.

Security AStatic scan found no risk patternsHow grading works ›

From the source SKILL.md

Use this bundle when a Texas consumer has been sued by a debt collector — typically a debt buyer (Midland Credit Management, Portfolio Recovery Associates, LVNV Funding, Cavalry SPV, Jefferson Capital, Velocity Investments, etc.) or a collection agency acting for an original creditor. See "Forum" below for whether the suit belongs in a Justice Court (debt-claim case), a County Court at Law, or a District Court.

What this skill does

Tx Consumer Debt is a community-contributed Claude Code skill in the general-misc sub-category. It ships as a SKILL.md file that Claude Code auto-discovers under ~/.claude/skills/tx-consumer-debt/ and loads when your prompt matches the skill's trigger.

When to invoke it: Use when defending a Texas consumer against a debt-collection lawsuit (debt buyer or collection agency, in a Justice Court debt-claim case, a County Court at Law, or a District Court). Triggers: "sued by a debt collector in Texas", "debt buyer sued me Texas", "Texas statute of limitations on credit card debt", "time-barred debt Texas", "Texas Debt Collection Act", "TDCA violation", "DTPA debt collector", "answer a debt-claim case Texas", "JP court debt claim", "sworn account Texas", "verified denial Rule 185", "surety bond debt collector Texas", "can they garnish my wages in Texas", "Monday rule answer Texas".

Who uses this skill

The Tx Consumer Debt Claude Code skill is built for Claude Code users and developers across all disciplines looking for general-purpose AI assistance. It's part of ClaudSkills (also referred to as Claude Skills or Claude Code Skills) — the open community-curated registry of 174,000+ SKILL.md files for Anthropic's Claude Code agent and the wider Claude ecosystem (Claude API, Claude Agent SDK).

How to install

Free

Manual install (2 steps)

mkdir -p ~/.claude/skills/tx-consumer-debt
curl -L https://claudskills.com/skills/tx-consumer-debt/SKILL.md \
  -o ~/.claude/skills/tx-consumer-debt/SKILL.md

Or just download SKILL.md directly and drop it into ~/.claude/skills/tx-consumer-debt/. Claude Code auto-discovers it on next session.

Skills live at ~/.claude/skills/tx-consumer-debt/SKILL.md on macOS/Linux, or %USERPROFILE%\.claude\skills\tx-consumer-debt\SKILL.md on Windows. See the full install guide for step-by-step instructions.

📱 Install from your phone or desktop Telegram

Open @claudskills_bot on Telegram, tap Open Desktop App, and the desktop app installs this skill for you. Or share the bot link with a colleague — they get the same one-tap install. Learn more →

Pro

One-click install via the desktop app

The ClaudSkills desktop app installs any skill directly into ~/.claude/skills/ with one click — no terminal required. Pro starts at $9/mo or $149 lifetime.

Pro

For the full experience including quality scoring and one-click install features for each skill — upgrade to Pro.

See pricing → Download desktop app

Frequently asked questions

How do I install the Tx Consumer Debt Claude Code skill?

Install via the ClaudSkills desktop app (one click) or copy SKILL.md from the source repository to ~/.claude/skills/tx-consumer-debt/SKILL.md and restart Claude Code. Both flows are detailed at claudskills.com/install/.

What does the Tx Consumer Debt skill do?

Is this skill free to install?

Yes. ClaudSkills is an open registry — every skill keeps its source repository's license, and manual install via copy is free. ClaudSkills Pro ($9/mo, $79/yr, or $149 one-time) adds one-click install via the desktop app and a multi-signal Quality Score.

When should I use the Tx Consumer Debt skill?

Use Tx Consumer Debt when your Claude Code task falls under the General category — specifically in the general misc area. Claude Code auto-discovers installed skills and invokes the right one based on the task description, so you can also ask Claude directly (e.g. "use Tx Consumer Debt" or describe the task and let Claude pick). Browse related skills at /category/general/.

What is a Claude Code skill and how does the Tx Consumer Debt skill fit in?

A Claude Code skill is a SKILL.md file that lives under ~/.claude/skills/<name>/ and tells the Claude Code CLI agent how to perform a specific task (instructions, prompts, allowed tools). Skills are auto-discovered at session start. Tx Consumer Debt is one of 67,000+ skills indexed in the open ClaudSkills catalog, classified under the General category. Learn more at /learn/what-is-a-claude-skill/.

Attribution & license

Source: https://github.com/codearranger/claude-legal/blob/HEAD/plugins/tx-court-docs/skills/tx-consumer-debt/SKILL.md
Author: codearranger

Cite this skill

If you reference this skill in a blog post, paper, or documentation, you can cite it as:

APA

codearranger. (2026). Tx Consumer Debt [Claude Code skill]. ClaudSkills. https://claudskills.com/skills/tx-consumer-debt/

BibTeX

@misc{tx-consumer-debt-2026,
  author    = {codearranger},
  title     = {Tx Consumer Debt [Claude Code skill]},
  year      = {2026},
  publisher = {ClaudSkills},
  url       = {https://claudskills.com/skills/tx-consumer-debt/}
}

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Badge

[![ClaudSkills](https://claudskills.com/badge/tx-consumer-debt.svg)](https://claudskills.com/skills/tx-consumer-debt/?utm_source=badge&utm_medium=readme&utm_campaign=skill_badge)

Security scan

Grade A · scanned 2026-08-02 — free static scan against the OWASP Agentic Skills Top 10.

No risk patterns were found in any of the ten OWASP-aligned categories. How grading works ›

✓ Prompt injection
✓ Data exfiltration
✓ Supply chain
✓ Reverse shell
✓ Credentials
✓ Execution
✓ Filesystem
✓ Persistence
✓ Obfuscation
✓ Network

Show this grade on your repo (click to copy):

[![Security: A](https://img.shields.io/badge/Security-A-2e7d32)](https://claudskills.com/skills/tx-consumer-debt/#security)

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