I might be misunderstanding him so feel free to clear it up for me.

While I sincerely empathize with your situation, it seems that your lack of experience here is creating a misunderstanding of the situation. 

I followed up on a few of the earlier ones and they made me kind of uncomfortable, as they would not subject themselves to any sort of screening processes, wanted to do business outside the platforms, etc.However, I am continuing to get more of these- and i am thinking that maybe just because these people are not native speakers (chinese i believe they mostly are) that maybe I am just misunderstanding them and/or miscomunicating andd it is possible they are legit?

Account Closed   You're misunderstanding how bankruptcy works or something here. 

Maybe I am misunderstanding but, do you have any skin in the game so far? 

It helps to avoid misunderstandings and disputes: A scope of work can help to prevent misunderstandings and disputes by clearly outlining the responsibilities of each party involved in the project.

Especially since you've had such a good response to your ad, don't waste any more time on this guy and his multiple red flags.With that said, I do want to point out a common misunderstanding about credit reports. 

I would love some feedback , let me know if I’m misunderstanding something or if I have the right mindset !!

Perhaps I’m misunderstanding what these folks meant?

Or did I misunderstand something?