You can make GTA Style Characters in no time!

I use the Maratis 3D engine, and I was fortunate enough to meet someone who did a very good tutorial on how to make game characters using Blender and Makehuman. In no time I had a decent character that could be animated.

If you are interested:

http://forum.maratis3d.com/viewtopic.php?id=791

This is also a reference for me for later, when I need to crank out some characters to populate my game.