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Well I should probably tell you right now that those models who sign contracts... well contracts really mean shit. Er... less than shit as at least shit can be used to produce something else of value, a signed contract on the other hand is just really rough toilet paper. If you really put any faith beyond scare tactics into a contract you will end up crushed.
Next up is that you say you got ball started with ccbill and visa. You are aware that they will want to see the content and a working site before they approve you. So unless you have that already, you are just giving them a 750.00 interest free loan while you wait.
Where to start: Honestly read up and learn the legal issues from pandering and 2257 to zoning. Then follow that up with how you will handle them, specially record keeping. After that get yourself a worthy model agreement and then get some people to pose for you. Sell, license, or self use and repeat.
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