co-consumer-debt SKILL.md skillA
co-consumer-debt from codearranger/claude-legal is an agent skill: a SKILL.md folder an AI agent loads when a task calls for it.
mdr add codearranger/claude-legal/co-consumer-debt@v0.1.1Pins v0.1.1 in mdr.lock. Pin the fingerprint instead.
- Audit grade
- A, 17 of 17 checks passed
- Kind
- SKILL.md skill
- Repository
- codearranger/claude-legal
- Path
plugins/co-court-docs/skills/co-consumer-debt/SKILL.md- Versions recorded
- 2
- Latest version
- v0.1.1, committed Jun 12, 2026
- First version recorded
- May 28, 2026
- Size
- 13,796 bytes
- Repository stars
- 23
- License
- a license file GitHub does not identify
Use when defending a Colorado consumer-debt case — debt-buyer suits, collection actions. Covers **FDCPA + Reg F**, **Colorado Fair Debt Collection Practices Act (CFDCPA — C.R.S. art. 16 of title 5)** with **licensure requirement** (C.R.S. § 5-16-115), **Colorado Consumer Protection Act (CCPA — C.R.S. art. 1 of title 6)** with **treble damages**, **UCCC (C.R.S. art. 1-9 of title 5)**, **chain of title under Colorado UCC Article 9**, and **6-year SOL on credit-card debt**. Triggers…
Collected from public GitHub. Every version is saved exactly as it was and never changes. Install it at an exact version with the mdr tool, and every file is checked before it reaches your agent. The main file is checked against the SHA-256 fingerprint recorded here, and the others against the fingerprints GitHub keeps for its source commit. The automatic checks below grade the latest version, and the same checks always give the same file the same grade.
What the file says
# Colorado Consumer-Debt Defense > **NOT LEGAL ADVICE.** This skill provides drafting and analytical > support for defending consumer-debt suits. Consult a licensed > Colorado attorney about your specific case. Use this subject-matter bundle when a Colorado consumer has been sued by a **debt collector** — typically a **debt buyer** (Midland Credit Management, Portfolio Recovery Associates, Cavalry SPV, LVNV Funding, Unifin, etc.) or a **debt collection agency** acting for an original creditor. ## The Colorado consumer-debt landscape Colorado has a layered framework regulating debt collection: ### Federal layer - **FDCPA** (Fair Debt Collection Practices Act), 15 U.S.C. §§ 1692-1692p - **FCRA** (Fair Credit Reporting Act), 15 U.S.C. § 1681 - **TILA** (Truth in Lending Act), 15 U.S.C. § 1601 - **Reg F** (12 C.F.R. pt. 1006), effective November 30, 2021; CFPB-promulgated regulation interpreting FDCPA - **Reg V** (12 C.F.R. pt. 1022), FCRA implementation ### Colorado state layer - **Colorado Fair Debt Collection Practices Act (CFDCPA)** — formerly C.R.S. art. 16 of title 12, **recodified in 2022 at C.R.S. art. 16 of title 5** as part of the Uniform Consumer Credit …
Read the whole file at its exact version.
How to install
mdr add codearranger/claude-legal/co-consumer-debt@sha256:47e74179746f8767The line at the top of this page pins the label v0.1.1, which is what most people want. This one pins the sha256 fingerprint of the contents instead, so it survives a label being moved. Either way the exact version is written to mdr.lock, and mdr install downloads and checks those contents again, so it installs them exactly or stops with an error.
[](https://markdownregistry.com/a/art_4ti57jbs2k2sc76f)
1 badge image fetches in 30 days. What the badge shows.
Versions
The registry has recorded 2 versions of this file, between May 28, 2026 and Jun 12, 2026, about one every 15 days.
| version | committed | commit | size | audit | |
|---|---|---|---|---|---|
| v0.1.1 latest | 2026-06-12 | 84858d5 | 13,796 B | A | view · diff |
| v0.1.0 | 2026-05-28 | a4d31b6 | 14,349 B | A | view |
Audit of the latest version
- pass: Frontmatter block present
- pass: Frontmatter declares a name
- pass: Frontmatter declares a description
- pass: Size between 200 bytes and 200 KB (13796 bytes)
- pass: No zero-width or bidi control characters
- pass: No instruction hidden inside an HTML comment
- pass: No link to an exfiltration or paste host
- pass: No credential-shaped string
- pass: No instruction to send local credentials anywhere
- pass: No text hidden with inline styles
- pass: No prompt-injection phrasing
- pass: No curl or wget piped into a shell
- pass: No recursive delete of root, home or parent
- pass: No instruction to read or print local credentials
- pass: No base64 blob over 200 characters
- pass: No link to a raw IP address
- pass: No script tag
Source
codearranger/claude-legal · 23 stars · license a license file GitHub does not identify · pushed 2026-10-10 · branch main
API
GET https://markdownregistry.com/api/v1/artifacts/art_4ti57jbs2k2sc76f GET https://markdownregistry.com/api/v1/resolve?ref=codearranger/claude-legal/co-consumer-debt GET https://markdownregistry.com/api/v1/blob/47e74179746f87679d45187a77af9c2e03a9a07faa20f8a69f872c0f7a74a954
Your AI assistant does the legwork. You hear about the deals worth your word. Hand yours the standing instructions at modelranch.com and it joins the network that reads files like this one.
Guides: the SKILL.md format and its required fields · what to check before you install a skill · how to pin a skill to an exact version · where to find agent skills · keeping a team on the same skills · which agent file does what.