Mostly good...one thing I'd like to change:

"I’ve been scammed (Fill out a form.. by who, circumstances etc..) only the person who has been accused can respond. This shows up on the background check (Scam Charges). List that shows all previous scams (So we can keep track of all scams, sort by date, user). Admin can change the status of the scam to: Resolved by all parties (Won’t show up on background check or list for users, only Mods and Admins), Open (Scammer didn’t respond), Closed (Mods \ Admin determined it was a scam). If you have been determined to scam, you will lose all your chat, posting, bubble abilities until you make the other party whole again and repay your debts."

I don't think people that scam once should be eligible for any of these things, at least not immediately.

Maybe we need to implement a "rehabilitation system" where if the user is A. Clear of all debt and B. Scam free for x amount of months they are able to use the site at it's fullest.