Unless you are using conforming clothing you will have to do the animation. Go about it this way.

• Load the figure and turn off all IK chains
• Use the button in the Joint Editor to zero the pose
• Set the hip and body x, y, z Translations to zero.
• Open the Animation controls and keyframe frame 1.
• Advance to the end (the default is frame 30, try this to start with. Add more frames if required.).
• Pose your figure
• Set a keyframe.
• Return to frame 1 and load the clothing prop. It should fit exactly.
• Into the cloth room and let it do its thing. Select the option "drape from zero pose" when its given you.

Now I'm sure you'll need to tweak here and there, and I'm still learning how to get this down also, but that is how I would go about it.