@KuroRyuzaki: I think you need to undergo a study of the skeleton. Knowledge of the skeleton and where/how muscles connect to it is important in understanding the form of the muscles. The pectorals, as mentioned, need to connect with the clavicle, ribcage (at specific points, for instance yours are going over the sternum) and humerus. Deltoids attach to scapula, clavicle and humerus at specific points, etc. Common element is muscles extending over their points of attachment at bones. Abdomen area seem pretty much invented.
@dead_pool: I'd be very careful considering the forms you're trying to lay down. To me it seems like you're focusing a lot on the lines/contours and not as much on the 3D volume of the various areas of the body, and thats leading to some warped/wonky perspective on the form. For instance, the (our) left arm has a bulge that I guess is the pectorals sticking out, but little to suggest the arm that the muscle should be attaching to; seems like a mix of perspectives or a misunderstanding of the anatomy. The line between the breasts I guess is conveying the sternum seems very conflicted with the form suggested by the breasts and the area at the pit of the neck. Once again an apparent mix of perspectives. My suggestion is: work on the whole body at once, iterating detail, construct contours by considering form (not the other way around). Aside from that I think you're going pretty well.
@accident: hard to pin down the form; the lines are very loose. As such, difficult to critique your anatomy. Things I pick up are the chest looking somewhat concave/crushed, neck at an unnatural angle compared to shoulders (looks like its snapped backwards). Aside from that I'd just suggest working on refining your studies to make sure you properly confront areas you find difficult, and simply do more!
Been a while, but I did another sketch from photo: