What version are you running? I think there were cloth problems with 12.0k, but it seems to work in 12.0l, although the first time I reopened my chor that had cloth on one object, it flipped the deflector group back to a cloth group, so maybe check that. Also, besides collsion detection, adjust Solver precision in the Chor. .001 works for me usually, and collision detection of .3 to .1. I'm not using it on a closed piece of clothing though-- on streamer ribbons on a child's scooter, I hope that at least gives you a baseline simulation to work from. I read in one post that for things like skirts one idea is to make transparent objects around the legs (parented accordingly) that are a little larger and these are the deflectors. As long as the skirt doesn't hang like the character has hockey pads underneath (unless you need that, um, look

) it sounds like it would work.
regards,
Seana