Taxes and Legal Informations

Free credit report:
http://www.ftc.gov/bcp/menus/consumer/credit/rights.shtm

Bankruptcy - how to fill an application click here
Forms:
http://www.uscourts.gov/bkforms/index.html

Load Consolidation:
http://www.ed.gov/offices/OSFAP/DCS/consolidation.html

Student financial aid:
http://studentaid.ed.gov/PORTALSWebApp/students/english/fafsa.jsp
Documents needed:
http://www.fafsa.ed.gov/before003.htm

Financial crimes:
http://www.secretservice.gov/financial_crimes.shtml

Tax fraud alerts:
http://www.irs.gov/compliance/enforcement/article/0,,id=121259,00.html

Income taxes
Taxes on income can be divided into ordinary income and capital gains. The first includes salaries, profits out of various businesses or invested funds. The capital gains tax rate is lower than the ordinary income, since the congress prefers capital investment.
Here are the six tax brackets for ordinary income, as of 2006.

Marginal Tax Rate	Single	Married Filing Jointly or Qualified Widow(er)	Married Filing Separately	Head of Household
10%	$0 – $7,550	$0 – $15,100	$0 – $7,550	$0 – $10,750
15%	$7,551 – $30,650	$15,101 – $61,300	$7,551 – $30,650	$10,751 – $41,050
25%	$30,651 – $74,200	$61,301 – $123,700	$30,651 – $61,850	$41,051 – $106,000
28%	$74,201 – $154,800	$123,701 – $188,450	$61,851 – $94,225	$106,001 – $171,650
33%	$154,801 – $336,550	$188,451 – $336,550	$94,226 – $168,275	$171,651 – $336,550
35%	$336,551+	$336,551+	$168,276+	$336,551+

For short-term capital gains, the same rates as above apply. Long-term capital gains have the following tax rate:

Ordinary Income Rate	Long-term Capital Gain Rate	Short-term Capital Gain Rate	Long-term Gain on Real Estate	Long-term Gain on Collectibles	Long-term Gain on Certain Small Business Stock
10%	5%	10%	10%	10%	10%
15%	5%	15%	15%	15%	15%
25%	15%	25%	25%	25%	25%
28%	15%	28%	25%	28%	28%
33%	15%	33%	25%	28%	28%
35%	15%	35%	25%	28%	28%