Here I model one human model and two clothes: One Shirt and one Pant.
(Attached: 0.obj avatar, 1.obj shirt, 2.obj pant)

I can do the simulation for one clothes (Just to make it drop)



But when I want to use my personal avatar to do simulation, I got:

I think there may be something wrong with my setting.
Anyone can help?
I see your clothes are colliding and you don't seem to either have space between the arms and torso in the model, that may be the main reason. Usually when you need to simulate cloth you put the character on T or A position and move it from there to the position you want. always leave some space between the body for cloth to go there and shouldn't have any issues.
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