The encroachment, breach, or violation of a right, law, regulation, or contract. The term is most frequently used in reference to the invasion of rights secured by Copyright, patent, or trademark.
Multiply the after-tax interest rate of your debt by the principal amount of your debt. The result will be the true annual dollar cost of your debt. For example, if your loan is for $100,000, your interest rate is 5 percent and your after-tax interest rate is 4 percent, $100,000 times 4 percent equals $4,000.
Use our free debt calculator to calculate your debt to income ratio and see how risky your financial situation. 1. Enter in your total unsecured debt â this includes credit cards, personal loans, medical bills and other unsecured debts. 2. Enter in your average interest rate on your debts. Add up the APRs on your credit cards and then divide by the number of credit cards to get the average interest rate.