SimCloth 3 has been recompiled for Autodesk 3ds max 2010, 2009, 2008 and the earlier versions of 3ds max, 8 and 9. you can get it here: http://www.spot3d.com/simcloth/
I remember using it back in the day and it was easy to use and good, if I recall correctly. I have no idea what it's like now, but hey, its free, so that's pretty rad!
(It's a simple cloth simulation plugin that can handle interactions between cloth and solid bodies)
Some of the variables you can adjust in SimCloth: