Difference between revisions of "RPGnet CoX Resources"

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Becoming a bankrupt, Is truly It A Way Out
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== RPGnet City of Heroes/City of Villains Resources ==
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First and foremost, join the "rpgnet" channel in order to be able to chat with the rest of us, no matter what server you're on.  To join, either right click on a chat tab and choose "join channel", or use the command:
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Negotiations with creditors have failed. Repossession is actually imminent and foreclosure proceedings have begun. Your income will be not sufficient to pay your bills, it doesn't matter how low the payments are. It may end up being time to consider a bankruptcy proceeding.  
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/chanjoin RPGnet
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Becoming a bankrupt law evolved while a reaction to the abuses surrounding debtors prison. Before the nineteenth century a prison system existed for these who didn'big t pay their bills. In case a merchant filed a claim, the debtor has been incarcerated till his financial obligations were paid. (Women were not seen in debtor'utes prison, not because of chivalry but because that they did riot have the ability to use). The lender ended up being by law to blame for the expenses of the prison stay, including foodstuff, but seldom paid. All things considered, a debtor would have to sue as a way to enforce this unique law, and it had been instead difficult to sue when in prison. Since a result, many borrowers languished in prison for many years, surviving on what their family could bring to them or, in many cases, just starving to death. And some lenders would doubtless not object to the renewal of debtor's prison, fortunately we live in much more enlightened times. Individual bankruptcy ended up being created to offer a second opportunity (or third, or next) to individuals hopelessly in debt It supplies a program to wipe the slate clean and begin anew. Because times have transformed, though, so has the bankruptcy code. Not all debts might be wiped out. The proceedings can be quickly disqualified in the event of improper procedures. There are many things a debtor should know before resorting to a bankruptcy proceeding.
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A lot of people use binds to make it so that when they press a key (the p key in the example below), they can just start typing and have the text go to the rpgnet channel.
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The Bankruptcy Choice
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examples:
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There are two kinds of individual a bankruptcy proceeding: Chapter 7 and Chapter 13. Chapter 7 personal, named for the chapter number in the becoming a bankrupt program code, requires an entire liquidation of a lot of financial obligations and cancels just about all no-exempt financial obligations. Chapter 13 personal bankruptcy is actually essentially a court-mandated payment package that sets upwards low-cost monthly payments to your creditors,
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/bind p "beginchat /send rpgnet "
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The decision to declare individual bankruptcy is actually not a very easy a single. Unfortunately, many bankruptcy attorneys recommend individual bankruptcy to just about anybody these people look for advice with. Most way too often frightened shoppers are advised to declare personal bankruptcy just to avoid a couple of bad debts. That is a mistake. A bankruptcy proceeding should truly be a last resort because the legal system meant it to always be. A becoming a bankrupt seems on your credit for twelve decades, and although lending criteria are slowly and gradually changing, many lenders won't even consider a very applicant who provides had a personal bankruptcy. What'utes far more, a Chapter 7 becoming a bankrupt can be priced at the majority of your property. Before building a decision to declare a bankruptcy proceeding, estimate how undesirable your situation really is. On a item of papers, make a listing of almost all your assets and the approximate value these people could always be sold for. On the other side, total all your bad debts. If the financial obligations exceed the assets by a large portion, you may wish to consider personal bankruptcy. On the other handheld, if it seems that your particular situation may improve (you may get a new job or a second income), or if your assets are of greater value or close in value to your debts, a different approach may become appropriate.  
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/bind p "beginchat /send rpgnet [$name $level +VIR] "
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Work out with your creditors
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=== Supergroups/Villaingroups ===
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Explain your situation and check for much more time to pay. If the creditors refuse and continue to threaten garnishment notify them these kinds of motion would force you into individual bankruptcy. No creditor wishes to hear the "B" term. Using individual bankruptcy when a danger is a very powerful negotiating application, confronting creditors with a choice between finding a little each and every month or most likely taking nothing through personal. Don'testosterone try this specific tactic on secured creditors. They will may choose to repossess your property to steer clear of having to use up court.  
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{| style="width:640px" border=1
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Contact Customer Credit Counseling
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! align=center style="width:200px" | Supergroup
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! align=center style="width:100px" | Server
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When mentioned earlier in the book, Consumer Credit score Counseling will be a non-profit group funded by creditors to help customers navigate repayment plans. It is truly often able to negotiate payment arrangements better than the individual because of its own constant contact with a variety of creditors. If you can'n negotiate a satisfactory arrangement, give these people a try. Remember, the actuality you are using credit score counseling may appear on your credit record.  
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! align=center style="width:340px" | Description
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Consider Chapter 13 bankruptcy
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| align=center style="color:navy" | The Liberty Alliance
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| align=center | Freedom
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This specific kind of filing lets you repay your financial obligations in a court-mandated fashion and will appear on your credit score record for only seven many years, If negotiations fail or there mainly isn't sufficient money to make ends meet Chapter 7 becoming a bankrupt may be your only option. A bankruptcy proceeding does not necessarily discharge a lot of debts. If your debts are exempt through individual bankruptcy, filing will do practically to improve your situation. In case a co-signer was actually used, the debt would then end up being owed as a result of co-signer, unless that particular person furthermore expressed individual bankruptcy. In community property states a spouse'utes assets and bad debts would furthermore end up being included in the personal bankruptcy, supposing they are community property. Consider all very carefully before deciding to file.  
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| align=left | The old-guard of Paragon with historical and cosmic ties
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Non-Dischargable Financial obligations - Bills You Have To Pay In Spite Of Personal bankruptcy
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| align=center style="color:navy" | The Royal Family
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| align=center | Freedom
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Particular types of debt is not automatically gotten rid of by bankruptcy filing. These people must meet specific requirements before being eradicated by becoming a bankrupt. If almost all of your debts are non-dischargeable, individual bankruptcy may not fix your economic dilemma. Truly the only ways a non-dischargeable debt may be eradicated through personal bankruptcy are through a helpful exception being gave as a result of court, a specific period of your time transpiring considering that the debt was due, or because the creditor really doesn't object to the discharging of the debt. Specific bad debts can only end up being discharged by the exception. They are:  
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| align=left | A family of adventurers
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Recent University student loans
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| align=center style="color:navy" | Court Royale
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| align=center | Freedom
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This unique applies to college student loans that became due within the last five quite a few years. Any extension of repayment would end up being added to this time period. Some courts, furthermore, will simply discharge payments that are more than five many years past due. Therefore if the student loan ended up being due seven decades ago and the payments were initially to become made over a five-year period, you would still always be to blame for the last three numerous years of payments. The court may often grant a great exception with a college student loan if it would produce a great "undue hardship" for one to pay it. This is definitely almost never granted.  
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| align=left | Offshoot of the Royal Family (for folks without the 'Royal' surname)
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Taxes
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| align=center style="color:navy" | The Young Paragons
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| align=center | Freedom/Liberty
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Federal, condition, and community taxes are not dischargeable for at least three years after you file your tax come back. Even if you've been tied way up in tax court for more than three decades, any taxes assessed within 240 days of filing for a bankruptcy proceeding is actually non-dischargeable. Property taxes are dischargeable if they are over one particular year late, but the lien towards your property will be not. Underneath fantastic is actually which you can count on the authorities accumulating their own tax money eventually.
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| align=left | [http://www.youngparagons.org/ Youth oriented with teen angst]
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Child Assist and alimony
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| align=center style="color:navy" | The Wrong Place
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| align=center | Freedom
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These can only become discharged in special circumstances, which generally include agreements that have not been court-ordered. If 1 husband or wife seems to have opted for assume greater than fifty percent of marital financial obligations in exchange for lower support payments, the court may not discharge every single one bad debts held from the partner for individual bankruptcy. Consult a great law firm if this particular situation does apply.
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| align=left | Mostly just a nightclub for the coalition to go to.
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Fines
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| align=center style="color:navy" | The Penultimates
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| align=center | Virtue
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Neither fines through a court, judge, or government agency nor surcharges, effects, and restitution, as a common rule, may be discharged in a bankruptcy. The same is actually accurate of bad debts incurred as a result of damage or liability from driving while intoxicated. The debt incurred through intoxicated driving must be established in court and a judgment has to be issued by a higher court. Little-promises, traffic, and municipal judgments for intoxicated driving are almost all dischargeable. One more time, confer with an lawyer.  
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| align=left | A loose collection of like-minded heroes (all of Dunlaing's heroside characters...but we're happy to join coalitions and team and stuff)
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Financial obligations not discharged in a previous individual bankruptcy
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| align=center style="color:navy" | The Family Royale
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| align=center | Virtue
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If debts from a previous individual bankruptcy have been found non-dischargeable, these people may not be discharged in a later personal.
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| align=left | An alternate-world version of the Royal Family (pretty much nothing story-wise in common, just theme and name style)
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Bad debts not outlined on your personal bankruptcy petition
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| align=center style="color:navy" | The Inappropriates
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| align=center | Virtue
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If you cannot include a debt on your petition, it are not likely to end up being discharged. Many people filing personal bankruptcy remain one or far more credit lines with little balances or no balance out of the becoming a bankrupt proceeding to preserve component of their credit score resources. Another tactic is always to reaffirm debts on the condition that credit score proceeds to become offered. The creditor, confronted with a choice between gathering nothing and maintaining your credit, will sometimes choose the latter. Become very cautious when reaffirming debt. You are not obligated to and you must have a new written design spelling out every one of manufacturer conditions.
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| align=left | The unofficial low-maintenance RP-friendly RPGNet supergroup
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Other types of non-dischargeable bad debts can be discharged immediately if the creditor does not object If the creditor objects, these debts will probably be judged of the court to become either dischargeable or non-dischargeable. The creditor can question that the financial obligations not end up being discharged should they claim the following conditions existed:
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| align=center style="color:red" | The Intolerables
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| align=center | Virtue
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The debt was actually acquired by Intentionally fraudulent behavior
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| align=left | Like the Inappropriates, but, you know, evil.
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Fraud in this kind of case will be any dishonest behave used to obtain credit score. Claiming to end up being someone you are not, or borrowing money when you have no means or intention of repaying it, would become clear-cut examples of fraud. Not disclosing specific relevant facts could in addition end up being construed since fraud. If you are making a promise and intend to preserve it and believe you will end up able to retain it, that is actually not fraud. Creditors tend to become paranoid and believe everyone will be defrauding them, so it excuse for non-discharge is often employed by creditor's attorneys.
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| align=center style="color:red" | The Army of One
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| align=center | Victory
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Bad debts Incurred because a Result of False Written Statements
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| align=left | Catch-all villain group. Odds and ends and everything in between.
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A blatantly false credit score request would qualify. The inaccurate statement must be an important fact the other that the creditor relied on so as for the debt to be judged non-dischargeable. A misspelled name or minor error would not render a debt non-dischargeable. Drastically overstating income or misrepresent a job title would be considered fraudulent.
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| align=center style="color:red" | The Uncanny Legion
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| align=center | Triumph
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Fraudulent usage
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| align=left | Good crew mostly, even if we do have our occasion "The hell are you doing?" moments. Also, home of the [[Multiple MANIACS]]
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If you charge "luxurious goods or services" in the amount over $five hundred within 40 days before filing personal, the debt is truly most likely to always be deemed non-dischargeable. The same is accurate if funds advances are obtained fewer than twenty days before declaring bankruptcy. A several smaller charges, made to avoid pre-clearance, would even always be considered fraudulent had you been over your credit rating reduce or obviously unable to pay.
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| align=center style="color:red" | The Wasted Youth
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| align=center | Freedom
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Bad debts resulting coming from unlawful or malicious functions, embezzlement, larceny, or breach of fiduciary Duty
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| align=left | The Young Paragons' Evil Counterpart, only most of the members are much more interested in just raising hell than trying to take over the world or something.
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Any money owed because of against the law operates such as embezzlement (taking property left in the safekeeping), larceny (theft), or the disappointment to fulfill your duties as a trustee can be non-dischargeable. The court will typically de a classification of fiduciary obligation.
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| align=center style="color:red" | The Crime Family
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| align=center | Freedom
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Once you've examined your bad debts and determined what is actually dischargeable and what will be not, you can establish no matter whether personal bankruptcy would enhance your current monetary situation. There are several other things you should know before you decide whether or not to document.  
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| align=left | Much like the Royals, they all share the last name Crime.  
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Exempt Assets
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| align=center style="color:red" | The Lords of the Abyss
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| align=center | Freedom
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A common misconception about personal will be which you lose everything you very own to satisfy your financial obligations. In fact, the court will permit you to carry on many things important to your well being, and perhaps even a little bit a lot more. Though there will be a federal exemption law, only in states and the District of Columbia allow people to apply it These states let you pick out between the state and federal exemption regulations. The in states are:
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| align=left | A catchall group with a demonic leader.
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Connecticut
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| align=center style="color:red" | The Regal Family
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| align=center | Freedom
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Hawaii
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| align=left | The Praetorian version of the Royals.
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Massachusetts
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=== Useful Links ===
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Michigan
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[http://boards.cityofheroes.com/showflat.php?Cat=0&Board=faq&Number=8922474&page=0&fpart=1 COH/COV's "Guide to Guides"] - Your #1 resource for COH faqs.
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Minnesota
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[http://mmorpg.com/gamelist.cfm?GAMEID=3&SETVIEW=videos&BHCP=1&VIDEOID=1054&bhcp=1 Invention/Consignment tutorial video from NCSoft], hosted by MMORPG.com. About 4 or so minutes of your time.
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Brand new Jersey
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[http://www.paragonwiki.com/ ParagonWiki] is another invaluable resource. Some good topics for new players:
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Brand-new Mexico
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* [http://paragonwiki.com/wiki/index.php/Hero_Story_Arcs Hero Story Arc] which can help you find [http://paragonwiki.com/wiki/index.php/Story_Arc story arcs] to play through. No wandering around aimlessly, plus an asset for role-players wanting to take on certain storylines/enemy groups for RP-purposes.
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Pennsylvania
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* [http://paragonwiki.com/wiki/index.php/Enhancements Enhancements] - A good overview of City of Heroes/Villain's Enhancement system (enhancements being the closest thing to actual equipment in COx).
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Rhode Island
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* [http://paragonwiki.com/wiki/index.php/Consignment_House Consignment House] - Now that you can create things, there's a place to sell them at too.  Its different than what other games have to offer - its not like a City of Heroes eBay.
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Texas
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[http://community.livejournal.com/city_of_heroes/2066886.html FAQ] - This FAQ was put together by people on LiveJournal, and was then linked to by a dev on the forums.
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Washington
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The [http://community.livejournal.com/city_of_heroes CoH Livejournal Community] also has a great many active players.
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Wisconsin
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For City of Villains players, [http://boards.cityofvillains.com/showflat.php?Cat=&Number=3949032&page=1&view=collapsed&sb=5&o=&fpart=1#3949032 Khaiba's Mastermind Numeric Keypad Pet Controls] are head and shoulders above the default Mastermind pet interface and can spare a player many pet-related headaches.
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Vermont
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* [http://tomax.cohtitan.com/data/powers/ City of Data] - If you want to see power related numbers and aren't logged in or want to compare multiple sets against each other easily
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The other states require a particular person filing becoming a bankrupt to use condition exemptions.  
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=== Help for the Color Blind ===
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[http://i40.photobucket.com/albums/e224/GamingGeek/cohfleshtones9qz.jpg Skin Color Chart]
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Listed below are samples of things that will end up being exempt, depending on state where the petition is filed.
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[http://i40.photobucket.com/albums/e224/GamingGeek/cohcolorchart3bz.jpg Other Color Chart]
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· Personal consequences
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=== Who's Who ===
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· Furniture
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Please add yourself to this table so people can easily associate who you are on RPG.net with who you are on City of X.
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· Cars (to a max of a particular amount of equity)
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{| border=1
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· Tools of the trade
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! align=center style="width:100px" | RPG.net User Name
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! align=center style="width:100px" | CoX Global
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· Equity m a residence (sometimes the entire residence)
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! align=center | Main Character(s)
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· Dress
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| align=center | Chikahiro
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| align=center | Psyte
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· Household goods
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| align=left | Freedom: Zenith Meridian, White Pyre, Blue Pyra, inPsyte, Charlotte Royal, Tyrant Nadir
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· Novels
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| align=center | Dunlaing
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| align=center | Dunlaing
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· Jewelry
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| align=left | Vir+: Darkforce Bowman; Free+: Pr0n Monday; Vic-: Madame Vamp; Free-: Agent 8008
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A single very interesting exemption is the homestead exemption. When Henry Connally, the former governor of Texas, announced becoming a bankrupt a several years ago, many people were surprised that he ended up being granted to maintain his huge mansion, valued at several million dollars. Texas offers a homestead exemption that allows anybody petitioning personal to retain around one particular acre in a very urban area or 100 acres in a rural area, even though value. The ex-governor may have had a very good legal professional, but many other states often offer homestead exemptions.  
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| align=center | Drnuncheon
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| align=center | Dr. Nuncheon
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A single becoming a bankrupt method would be to sell non-exempt property before personal and convert it into exempt property. For example, a Texas resident might sell non-exempt assets and use the proceeds to pay off the home mortgage on her homesteaded property. You would almost certainly want to confer with a very law firm before attempting this particular kind of transfer of assets, however, while the court could very easily view this sort of motion staying an abuse with the personal bankruptcy legal guidelines.  
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| align=left | ...
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Even in case a specific amount of equity is exempt, your creditors can often sell the resource to restore any excess equity you may have. If you possess a car worth $15,000, for example, but you only owe $5,000 on it and your express exemption is $1,200, the creditor can sell the car and provide you $1,200. Some states allow 'Wildcard" exemptions that could be used to cover the difference.  
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| align=center | Gregor
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| align=center | Dyne
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Knowing which bad debts are dischargeable and what the law allows a petitioner to remain, a rational selection might be made no matter if to file for individual bankruptcy. If you carry out choose to document, there are numerous ways of going about it-as well as several pitfalls to avoid.  
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| align=left | Vir+: Still Heart, Vir-: Grim Grinner ... heck, just check [http://www.virtueverse.com/index.php/User:Dyne here]
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Having Action
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| align=center | Knockwood
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| align=center | Physics Engine
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When you've decided to take activity you can begin the filing course of action. If creditors are knocking on the doorway and repossession, foreclosure, or garnishment will be just close to the comer, it might possibly become wise to consider using a helpful emergency filing to obtain a very automatic stay. The automatic stay halts creditors through getting any further activity right up until the case passes before a personal judge. Unlike a personal filing, which in turn consists several pages of information a good unexpected emergency filing is actually only one page longer and consists of a list of your creditors. The remainder of the petition requires to be filed within fourteen days or the case is truly dropped. The court will send notices of the pending bankruptcy to the creditors listed, who must cease all further assortment action. When they do not cease, send them copies from the automatic stay and request that all further series activity cease. A creditor can request that the automatic stay always be lifted, allowing your pet to continue assortment motion. Only a landlord striving to evict you coming from a rented dwelling will typically prevail, unless there is truly a long-term lease involved. If you are renting on a long-term lease, which could be considered a helpful property, the landlord may have to wait for a official @g in order to evict YOU.
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| align=left | (several, mainly on Freedom)
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Once the wolves are at bay, another decision will have to be made: no matter if to hire a bankruptcy attorney. Attorneys, while many of us understand, are expensive. In the case of the complicated a bankruptcy proceeding, nevertheless, they may be invaluable. If you have a serious bit of property or valuables, if you are trying to move money through non-exempt to exempt assets, if your creditors try to make your debts non-dischargeable because of fraud, or if there are any other complications, you may wish to pay an experienced a bankruptcy proceeding lawyer. Look surrounding. Don'big t become afraid to negotiate. Inquire a big concerns and talk to several attorneys before you're making your own preference.  
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| align=center | Menteroso
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| align=center | Menteroso
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If you have a very simple personal bankruptcy or can'big t pay for a helpful law firm, invest $15 in a good do-it-yourself individual bankruptcy book. It will offer in-depth details not covered in this unique chapter. Typing services am in addition available to type upwards personal forms. They are economical and, in the case of the very simple individual bankruptcy, can take the place of a good lawyer. If your case is actually complicated and you also can't pay for an law firm, perform your individual research. Read a customer becoming a bankrupt manual first after which consult a good legal library. There are numerous legal guides devoted strictly to bankruptcy. Once you or your law firm have well prepared your case, you're ready for official function.  
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| align=left | Vir: El Bango, Juan Corazon,
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The Filing Experience
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| align=center | Quantum Yuusuka
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| align=center | Quantum Yuusuka
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Every single one a favorable papers could be obtained coming from any local a bankruptcy proceeding court. Consult the yellow pages under Government Services (normally in the starting of the book) with an address and phone number. The court gives you fourteen times coming from the take out of a great urgent situation filing to perform the elegant procedures. If Chapter 7 personal is truly being filed, you will need to send in the following forms after you have obtained them coming from the court:  
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| align=left | Tri: Penny Requin
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· Statement of Financial Affairs.  
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| align=center | Scoundrel
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| align=center | Scoundrel
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· Book of Current Income and Current Expenditures.
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| align=left | Fre: Rebecca Faith, Archer Deft, Eric Grey, Nymren
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· A routine explaining your financial obligations.  
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| align=center | Andrew Bates
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| align=center | agent006
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· A lifestyle talking about your property.  
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| align=left | Fre+: Fight Lass, Mega-Steel / Fre-: BlackBug / Vir-: Hellthing
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· A book listing exempt property.  
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| align=center | Erstwhile
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| align=center | Salvor1
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· A overview from the above schedules.  
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| align=left | Free+: Commander North, Sam Volt; Just+: The Azure Ifrit; Vir-: Reactor Tractor, Public Offender
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· Statement of Intention in matter to your guaranteed property and what you intend to do with it
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| align=center | Arbane the Terrible
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| align=center | Arbane
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· Statement of Executory Contracts explaining contract that will must be fulfilled, such as auto leases.  
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| align=left | Tri-: Princess Ariosal; Free-: Nerd Rage; Free+: Kid Cryo; Vir-: Sledgehamster; lots of others
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· Personal bankruptcy Petition cover sheet.
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| align=center | JustinCognito
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| align=center | JustinCognito
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· Mailing addresses of every single one creditors.
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| align=left | Fre+: Forge's Flame, Almsman, Steeltrap, Summer Regent, Sgt. Johnny Steel; Fre-: Fomorian
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· Any required the nearest forms.
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| align=center | Soul of Lost
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| align=center | Bashere
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A fee will additionally become assessed, normally $90, due during filing. The court will generally accept installments of your six-month period. A helpful software for installments must accompany the petition.
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| align=left | Fre+: Rook Starfyr; Bashera; Fre-: Maureen Faith; Silken Slice; Vic-: Frau Oberherr; Vir:-The Poisoned Scorpion; and many more
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After your petition is filed, a meeting in the creditors will probably be prearranged. The court appoints a trustee to preside over the assembly and to become responsible for the liquidation of assets. With most smaller bankruptcies, only the person filing and the trustee will participate in. The trustee, who is generally a neighborhood attorney, will check several concerns about the info on the a bankruptcy proceeding documents. Contact and ask the court clerk what papers you will need to provide (generally monetary statements or sometimes even tax delivers). In case your lot of property is truly involved, especially if it is truly nonexempt, property, your creditors may show up to protest any exemptions. These people may additionally attempt to grill you about your intent to pay the fee or about lying on your software. Answer in all honesty and there shouldn'testosterone be a problem.
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| align=center | Epoch
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| align=center | Watchful
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If the creditors' attorneys grow to be abusive, demand a hearing before the personal bankruptcy judge before the proceeding goes any further. If the creditors object to any of your exemptions, these people have 30 times after the creditor'ersus achieving to record a very objection with the court. The court will routine a hearing and you will probably become given the opportunity to respond, despite the fact that you don't have to. A creditor may furthermore try to claim a debt like non-dischargeable because of fraudulent functions, a @ or malicious act, or embezzlement or theft. He can only accomplish it if he successfully boosts the objection within sixty days in the creditors' visiting. To defend yourself, you or your law firm will have to document a written response and be set up to argue your case in court.
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| align=left | Fre+: Clearbeam, Terry Watt; Fre-: Electric Barb, Nonborn
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Once a lot of the requirements have been met and your intentions have been made clear, the court can declare the personal bankruptcy discharged. No official hearing are going to be held unless you have chosen to reaffirm your credit card debt through which case the judge would want to end up being sure that you simply know very well what you are doing. After this kind of time, provided the creditors carry out not raise any objections, the dischargeable debts are erased.
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| align=center | dreamfarer
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| align=center | Overclock
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Choosing Way up The Pieces
+
| align=left | Tri+:  Giggle, Fireskimmer, OCR, Rising Day, Tri-: Cruel Mockery; Fre+: Dreamfarer, Kid Darklight ; Vir+: FireDancer; and lots more.
−
+
|-
−
Individual bankruptcy ended up being once the lowest disgrace that could befall one. Today, however, it is actually commonplace. Corporations declare a bankruptcy proceeding to get out of contracts or prevent legal judgments. Individuals really rely on it to protect them through a society that extends credit score way too quickly.
+
| align=center | The Architect
−
+
| align=center | VictorRoyal
−
Personal does not necessarily mean for you to simply will automatically be denied just about all credit score for five years. In fact, many firms look at a bankruptcy proceeding since a dependable way of discharging bad debts when there is actually no other way out. Creditors fear personal, nonetheless they also realize that when they lend to someone who has reported becoming a bankrupt, they want not worry about another individual bankruptcy for seven much more quite a few years (you can only record once every seven numerous years). If you happen to have a good explanation for the personal bankruptcy, this sort of like medical bills, divorce proceedings, or some other catastrophic event, a creditor may end up being willing to overlook it and extend credit. Ask potential creditors about their policy toward bankruptcies. Their responses may be amazing.
+
| align=left | Victor Royal, Wisdom Royal, Studious and too many more to list
−
+
|-
−
Darryl Power over 3 quite a few years in online marketing, 1 year in Pay-Per-Simply click advertising and 7 a long time of business supervision.
+
| align=center | SkyStreak
 +
| align=center | SkyStreak
 +
Sky Streak
 +
| align=left | Fre+: Aspirant, ATHENA, Emerald-Nova;  Lib+: Young Champion; and others (mostly) on Freedom and Liberty.
 +
|-
 +
| align=center | Brightfires
 +
| align=center | Brightfires
 +
| align=left | (Lib+) Palrah, Ashirion, Ty'ree, Suzume, Quicksilver Falcon, Li'nai, Keiranen, Khalanis, Zhen'kei, Beans, Mister Mistoffolees, Kephren, Surruna, Solace of Silence
 +
(Lib-) Mei'jen, Grey Kestrel, Cholula, Azirian / (Vir+) Ke'khali, Khaemon / (Vir-) Mister Bibbles
 +
|-
 +
| align=center | Reverend Tom
 +
| align=center | SoylentPlaid
 +
| align=left | ...
 +
|-
 +
| align=center | Ziven of Nine
 +
| align=center | Penultima
 +
| align=left | Penultima (Fre+), Flare-Star (Vir+), Gammalectra (Tri -)
 +
|-
 +
| align=center | Simms
 +
| align=center | Simms
 +
| align=left | Fre-: Theonious March, Marcus Wilson, Psi Raider; Fre+: Damn Royal, EMMIT 7; Tri-: Samis Kane
 +
|-
 +
| align=center | Dead Parrot
 +
| align=center | Dead Parrot
 +
| align=left | RRX-007 (vir-CoH), RRX-001 (vir-CoV)
 +
|-
 +
| align=center | Christine
 +
| align=center | Incineratrix
 +
Seema
 +
| align=left | Star Amethyst, Nyx Phobos, Eliora Fallen, Matt Brimstone, Fantome Magique, Clarice Royal, Lilysong, Johnny Tornado, Zapgirl
 +
Jacintus, Litterbugman, Larrah the Blind, Mama Bear Branson, Reginald Royal, Glinda Royal, Star Adamant, Seventh Sentry, Eros the Archer
 +
|-
 +
| align=center | Spawn of Seema
 +
| align=center | Incineratrix
 +
Seema
 +
| align=left | Chemistry Geek, Miles Royal, Royal Payne
 +
Haunted Cupidian, ConflagratBlaze, Cupid Hawk, Totally Dark n Stuff, Subject 217
 +
|-
 +
| align=center | nytflyr
 +
| align=center | nytflyr
 +
| align=left | Triumph: Steakhouse, Imoogi, La Mime, Nurse X-Ray
 +
Guardian: Bill the Bunny
 +
|-
 +
| align=center | Neoweasel
 +
| align=center | Neoweasel
 +
| align=left | Liberty: Malakiel (Hero)
 +
|-
 +
|}
 +
 
 +
=== What's Changed Since I Left? ===
 +
'''Issue 6: Villains! and Bases.'''
 +
- i6 was largely about introducing CoV. It also contained the dreaded ED nerf.
 +
- The short form of ED is if you try to slotmore than 3 of the same type of SO level enhancement into your power you suffer extremely diminishing returns on the 4th - 6th ones (like instead of 33% they add about 1%).
 +
- If you have some i5 alts that you like to play who are in the 22+ range you'll probably want to respec them to be inline with ED.
 +
 
 +
'''Issue 6.5 Pocket D'''
 +
- Not technically an issue but for the Valentines day event Pocket D was added to the game as a place where Heroes and Villains could meet on neutral turf. Holiday missions that originate in Pocket D also allow heroes and villains to team up together.
 +
 
 +
'''Issue 7: Newspaper and Mayhem missions and level 40-50 (all) for Villains'''
 +
- Newspaper missions are accessed by typing /newspaper which brings up a list of 3 missions in the current zone, scaled to your level. These are endlessly available so no more running out of missions from contacts and needing to street sweep for a level or two. If you do enough newspaper missions (3-5 depending on level) your broker offers a Mayhem mission
 +
- Mayhem missions involve robbing a bank in Paragon City. You have 15 minutes to do so. Also there are side missions like Arsons that can get you temp powers and accolades. You can earn more time in Mayhem missions by going nuts and blowing stuff up (cars, bus stops, fire hydrants etc).
 +
 
 +
'''Issue 8: Radio and Safeguard missions for Heroes and Faultline revamp'''
 +
- Faultline the all but abandoned hero zone at the bottom end of Skyway got a *HUGE* revamp and is now one of the coolest zones in the game. 4 new story arcs added as well as a special store that lets you get some SOs before level 22.
 +
 
 +
'''Issue 9: Inventions'''
 +
- Probably *the* most game changing issue to date.
 +
- Inventions are a giant topic, but pretty much they're all to the good. If you don't want to hassle with them they're completely optional. If you do work with them though they can vastly improve what you can do.
 +
 
 +
'''Issue 10: Rikti War Zone'''
 +
- The Rikti War Zone is a revamp of the Rikti Crash Site.
 +
- It's now open for level 35-50.
 +
- Heroes and Villains co-op in the zone, so you can play mixed teams.
 +
- There are 5 new arcs here + a Task Force + a zone level Raid (which happen fairly frequently on Triumph at least).
 +
 
 +
'''Issue 11: Ouroboros'''
 +
- The new Time Travel zone - level 25+.
 +
- a new story arc, 6 new Task Forces (3 for each side, the zone's not co-op but is available as separate instances to both h and v - the tf's are also soloable to a degree.)
 +
- "Flashback" functionality lets you revisit earlier story arcs from contacts. You are level capped back to the range of the contact and can run their missions for badges or temp powers you may have missed previously.
 +
- The Ouroboros Portal power is gained in a variety of ways and is *incredibly* handy for moving around in general since it recharges in 5 minutes and the exit from Ouroboros into Talos is right near the auction house and the tram.
 +
 
 +
There's a lot more too including new sets, a *huge* change to the way Blaster Defiance works and other tweaks and fixes. Overall though it's a much better game than it was back in fall 2005 (aka post i5).
 +
 
 +
'''Issue 11.5: Real Numbers!'''
 +
Almost forgot the most droolworthy (to me anyways) update: In February they rolled out another mini-expansion. There was a special limited time mission you could do related to Manticore and Sister Psyche's wedding (kinda a lame mission to be honest) and WAY COOLER than that....we finally got a way to see the real numbers that are going on for our powers!
 +
 
 +
If you're not Arithmophobic check under your Powers -> Combat Attributes to see a whole bunch of handy info on your character. Like what your defense levels really are, what your current stealth radius is and so on. Also you can check your combat tab to see on a shot by shot basis what chance you had to hit someone and what number was "rolled" for that hit.
 +
 
 +
'''Issue 14 : Mission Architect'''
 +
User created story content on an unprecedented scale. Within the first day of it going live there were over 10,000 story arcs published and the number is increasing all the time.
 +
 
 +
[[RPGnet CoX Arcs |Arcs made by RPGNet users]] are listed here and discussed here.
 +
 
 +
'''Issue 15 : Anniversary'''
 +
The return of the 5th Column
 +
 
 +
'''Issue 16 : Power Spectrum'''
 +
Change the colors of your powers omg this is the best thing ever.  Only works on your primary and secondary powers, sadly, not pools or APPs or the like. In a few cases, there are alternate animations for the powers as well as or instead of recolors.
 +
 
 +
'''Issue 17 : Dark Mirror'''
 +
Switches Positron TF from "suck" to "awesome."  Adds a new Hero arc (widely liked) and Villain arc (widely thought to assume your character to be a chump). A bunch of interesting new mission technologies like enter a mission in one zone, exit it to another, and (SPOILER). Quality of life and interface enhancements.
 +
 
 +
'''Issue 18 : Going Rogue'''
 +
Issue 18 supports the paid expansion Going Rogue.  With GR, you can swap characters from hero to villain or vice-versa, or start Praetorian characters who are somewhat shades-of-gray. A ton of new level 1-20 content out of Praetoria.  Extensive retconning of past Praetorian facts.  Hero and villain auction house/markets merged.  Four new power sets (Kinetic Melee, Electric Control, Dual Pistols, Demon Summoning).  Lots of new costume bits.  All auras now available in "combat" versions.  Lots of other stuff.  Without paying for the expansion, there's not a whole lot to this issue.

Latest revision as of 11:28, 27 June 2012

RPGnet City of Heroes/City of Villains Resources[edit]

First and foremost, join the "rpgnet" channel in order to be able to chat with the rest of us, no matter what server you're on. To join, either right click on a chat tab and choose "join channel", or use the command:

/chanjoin RPGnet

A lot of people use binds to make it so that when they press a key (the p key in the example below), they can just start typing and have the text go to the rpgnet channel.

examples:

/bind p "beginchat /send rpgnet "

/bind p "beginchat /send rpgnet [$name $level +VIR] "

Supergroups/Villaingroups[edit]

Supergroup Server Description
The Liberty Alliance Freedom The old-guard of Paragon with historical and cosmic ties
The Royal Family Freedom A family of adventurers
Court Royale Freedom Offshoot of the Royal Family (for folks without the 'Royal' surname)
The Young Paragons Freedom/Liberty Youth oriented with teen angst
The Wrong Place Freedom Mostly just a nightclub for the coalition to go to.
The Penultimates Virtue A loose collection of like-minded heroes (all of Dunlaing's heroside characters...but we're happy to join coalitions and team and stuff)
The Family Royale Virtue An alternate-world version of the Royal Family (pretty much nothing story-wise in common, just theme and name style)
The Inappropriates Virtue The unofficial low-maintenance RP-friendly RPGNet supergroup
The Intolerables Virtue Like the Inappropriates, but, you know, evil.
The Army of One Victory Catch-all villain group. Odds and ends and everything in between.
The Uncanny Legion Triumph Good crew mostly, even if we do have our occasion "The hell are you doing?" moments. Also, home of the Multiple MANIACS
The Wasted Youth Freedom The Young Paragons' Evil Counterpart, only most of the members are much more interested in just raising hell than trying to take over the world or something.
The Crime Family Freedom Much like the Royals, they all share the last name Crime.
The Lords of the Abyss Freedom A catchall group with a demonic leader.
The Regal Family Freedom The Praetorian version of the Royals.

Useful Links[edit]

COH/COV's "Guide to Guides" - Your #1 resource for COH faqs.

Invention/Consignment tutorial video from NCSoft, hosted by MMORPG.com. About 4 or so minutes of your time.

ParagonWiki is another invaluable resource. Some good topics for new players:

  • Hero Story Arc which can help you find story arcs to play through. No wandering around aimlessly, plus an asset for role-players wanting to take on certain storylines/enemy groups for RP-purposes.
  • Enhancements - A good overview of City of Heroes/Villain's Enhancement system (enhancements being the closest thing to actual equipment in COx).
  • Consignment House - Now that you can create things, there's a place to sell them at too. Its different than what other games have to offer - its not like a City of Heroes eBay.

FAQ - This FAQ was put together by people on LiveJournal, and was then linked to by a dev on the forums.

The CoH Livejournal Community also has a great many active players.

For City of Villains players, Khaiba's Mastermind Numeric Keypad Pet Controls are head and shoulders above the default Mastermind pet interface and can spare a player many pet-related headaches.

  • City of Data - If you want to see power related numbers and aren't logged in or want to compare multiple sets against each other easily

Help for the Color Blind[edit]

Skin Color Chart

Other Color Chart

Who's Who[edit]

Please add yourself to this table so people can easily associate who you are on RPG.net with who you are on City of X.

RPG.net User Name CoX Global Main Character(s)
Chikahiro Psyte Freedom: Zenith Meridian, White Pyre, Blue Pyra, inPsyte, Charlotte Royal, Tyrant Nadir
Dunlaing Dunlaing Vir+: Darkforce Bowman; Free+: Pr0n Monday; Vic-: Madame Vamp; Free-: Agent 8008
Drnuncheon Dr. Nuncheon ...
Gregor Dyne Vir+: Still Heart, Vir-: Grim Grinner ... heck, just check here
Knockwood Physics Engine (several, mainly on Freedom)
Menteroso Menteroso Vir: El Bango, Juan Corazon,
Quantum Yuusuka Quantum Yuusuka Tri: Penny Requin
Scoundrel Scoundrel Fre: Rebecca Faith, Archer Deft, Eric Grey, Nymren
Andrew Bates agent006 Fre+: Fight Lass, Mega-Steel / Fre-: BlackBug / Vir-: Hellthing
Erstwhile Salvor1 Free+: Commander North, Sam Volt; Just+: The Azure Ifrit; Vir-: Reactor Tractor, Public Offender
Arbane the Terrible Arbane Tri-: Princess Ariosal; Free-: Nerd Rage; Free+: Kid Cryo; Vir-: Sledgehamster; lots of others
JustinCognito JustinCognito Fre+: Forge's Flame, Almsman, Steeltrap, Summer Regent, Sgt. Johnny Steel; Fre-: Fomorian
Soul of Lost Bashere Fre+: Rook Starfyr; Bashera; Fre-: Maureen Faith; Silken Slice; Vic-: Frau Oberherr; Vir:-The Poisoned Scorpion; and many more
Epoch Watchful Fre+: Clearbeam, Terry Watt; Fre-: Electric Barb, Nonborn
dreamfarer Overclock Tri+: Giggle, Fireskimmer, OCR, Rising Day, Tri-: Cruel Mockery; Fre+: Dreamfarer, Kid Darklight ; Vir+: FireDancer; and lots more.
The Architect VictorRoyal Victor Royal, Wisdom Royal, Studious and too many more to list
SkyStreak SkyStreak

Sky Streak

Fre+: Aspirant, ATHENA, Emerald-Nova; Lib+: Young Champion; and others (mostly) on Freedom and Liberty.
Brightfires Brightfires (Lib+) Palrah, Ashirion, Ty'ree, Suzume, Quicksilver Falcon, Li'nai, Keiranen, Khalanis, Zhen'kei, Beans, Mister Mistoffolees, Kephren, Surruna, Solace of Silence

(Lib-) Mei'jen, Grey Kestrel, Cholula, Azirian / (Vir+) Ke'khali, Khaemon / (Vir-) Mister Bibbles

Reverend Tom SoylentPlaid ...
Ziven of Nine Penultima Penultima (Fre+), Flare-Star (Vir+), Gammalectra (Tri -)
Simms Simms Fre-: Theonious March, Marcus Wilson, Psi Raider; Fre+: Damn Royal, EMMIT 7; Tri-: Samis Kane
Dead Parrot Dead Parrot RRX-007 (vir-CoH), RRX-001 (vir-CoV)
Christine Incineratrix

Seema

Star Amethyst, Nyx Phobos, Eliora Fallen, Matt Brimstone, Fantome Magique, Clarice Royal, Lilysong, Johnny Tornado, Zapgirl

Jacintus, Litterbugman, Larrah the Blind, Mama Bear Branson, Reginald Royal, Glinda Royal, Star Adamant, Seventh Sentry, Eros the Archer

Spawn of Seema Incineratrix

Seema

Chemistry Geek, Miles Royal, Royal Payne

Haunted Cupidian, ConflagratBlaze, Cupid Hawk, Totally Dark n Stuff, Subject 217

nytflyr nytflyr Triumph: Steakhouse, Imoogi, La Mime, Nurse X-Ray

Guardian: Bill the Bunny

Neoweasel Neoweasel Liberty: Malakiel (Hero)

What's Changed Since I Left?[edit]

Issue 6: Villains! and Bases. - i6 was largely about introducing CoV. It also contained the dreaded ED nerf. - The short form of ED is if you try to slotmore than 3 of the same type of SO level enhancement into your power you suffer extremely diminishing returns on the 4th - 6th ones (like instead of 33% they add about 1%). - If you have some i5 alts that you like to play who are in the 22+ range you'll probably want to respec them to be inline with ED.

Issue 6.5 Pocket D - Not technically an issue but for the Valentines day event Pocket D was added to the game as a place where Heroes and Villains could meet on neutral turf. Holiday missions that originate in Pocket D also allow heroes and villains to team up together.

Issue 7: Newspaper and Mayhem missions and level 40-50 (all) for Villains - Newspaper missions are accessed by typing /newspaper which brings up a list of 3 missions in the current zone, scaled to your level. These are endlessly available so no more running out of missions from contacts and needing to street sweep for a level or two. If you do enough newspaper missions (3-5 depending on level) your broker offers a Mayhem mission - Mayhem missions involve robbing a bank in Paragon City. You have 15 minutes to do so. Also there are side missions like Arsons that can get you temp powers and accolades. You can earn more time in Mayhem missions by going nuts and blowing stuff up (cars, bus stops, fire hydrants etc).

Issue 8: Radio and Safeguard missions for Heroes and Faultline revamp - Faultline the all but abandoned hero zone at the bottom end of Skyway got a *HUGE* revamp and is now one of the coolest zones in the game. 4 new story arcs added as well as a special store that lets you get some SOs before level 22.

Issue 9: Inventions - Probably *the* most game changing issue to date. - Inventions are a giant topic, but pretty much they're all to the good. If you don't want to hassle with them they're completely optional. If you do work with them though they can vastly improve what you can do.

Issue 10: Rikti War Zone - The Rikti War Zone is a revamp of the Rikti Crash Site. - It's now open for level 35-50. - Heroes and Villains co-op in the zone, so you can play mixed teams. - There are 5 new arcs here + a Task Force + a zone level Raid (which happen fairly frequently on Triumph at least).

Issue 11: Ouroboros - The new Time Travel zone - level 25+. - a new story arc, 6 new Task Forces (3 for each side, the zone's not co-op but is available as separate instances to both h and v - the tf's are also soloable to a degree.) - "Flashback" functionality lets you revisit earlier story arcs from contacts. You are level capped back to the range of the contact and can run their missions for badges or temp powers you may have missed previously. - The Ouroboros Portal power is gained in a variety of ways and is *incredibly* handy for moving around in general since it recharges in 5 minutes and the exit from Ouroboros into Talos is right near the auction house and the tram.

There's a lot more too including new sets, a *huge* change to the way Blaster Defiance works and other tweaks and fixes. Overall though it's a much better game than it was back in fall 2005 (aka post i5).

Issue 11.5: Real Numbers! Almost forgot the most droolworthy (to me anyways) update: In February they rolled out another mini-expansion. There was a special limited time mission you could do related to Manticore and Sister Psyche's wedding (kinda a lame mission to be honest) and WAY COOLER than that....we finally got a way to see the real numbers that are going on for our powers!

If you're not Arithmophobic check under your Powers -> Combat Attributes to see a whole bunch of handy info on your character. Like what your defense levels really are, what your current stealth radius is and so on. Also you can check your combat tab to see on a shot by shot basis what chance you had to hit someone and what number was "rolled" for that hit.

Issue 14 : Mission Architect User created story content on an unprecedented scale. Within the first day of it going live there were over 10,000 story arcs published and the number is increasing all the time.

Arcs made by RPGNet users are listed here and discussed here.

Issue 15 : Anniversary The return of the 5th Column

Issue 16 : Power Spectrum Change the colors of your powers omg this is the best thing ever. Only works on your primary and secondary powers, sadly, not pools or APPs or the like. In a few cases, there are alternate animations for the powers as well as or instead of recolors.

Issue 17 : Dark Mirror Switches Positron TF from "suck" to "awesome." Adds a new Hero arc (widely liked) and Villain arc (widely thought to assume your character to be a chump). A bunch of interesting new mission technologies like enter a mission in one zone, exit it to another, and (SPOILER). Quality of life and interface enhancements.

Issue 18 : Going Rogue Issue 18 supports the paid expansion Going Rogue. With GR, you can swap characters from hero to villain or vice-versa, or start Praetorian characters who are somewhat shades-of-gray. A ton of new level 1-20 content out of Praetoria. Extensive retconning of past Praetorian facts. Hero and villain auction house/markets merged. Four new power sets (Kinetic Melee, Electric Control, Dual Pistols, Demon Summoning). Lots of new costume bits. All auras now available in "combat" versions. Lots of other stuff. Without paying for the expansion, there's not a whole lot to this issue.

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