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Top Articles - Their Collection Procedures... Intimidation Is Their Weapon!
This article is not written to give a false sense of winning every collection process. More importantly, it is written to give encouragement and hope in what is an unfortunate situation. We have all overspe
According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product
nt and miscalculated in our financial matters. Sometimes it is forced upon us by a medical emergency or a car breakdown and sometimes simply by normal desire to have something.
In previous articles I have r
In previous articles I have r
; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.
Examples of combination products may in
Examples of combination products may in
eferred to the Federal Fair Debt Collection Practices Act (FDCPA). This Federal act is designed to protect debtors from illegal and unfair collection procedures and intimidation tactics used by many unprofes
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
sional collection agencies and collection attorneys. I advise everyone to acquire a copy of this document and study it. The time will come when you must be prepared.
Remember, when you are contacted by a c
Remember, when you are contacted by a c
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
llection agent, he/she is generally a seasoned professional and has an answer to nearly everything-all in their favor. Their calls come fast and furiously, but they cannot contact you more than three times i
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
n a day before it is legally called harassment. You can also request they not contact you on certain days, times or at work. Too many times your request will be disregarded as will your declaration that you
ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc
do not owe the debt or simply cannot afford to pay.
Many/most of these collectors are paid by the dollar amount they bring in and they get more aggressive in the latter days of the month to fill quotas or g
Many/most of these collectors are paid by the dollar amount they bring in and they get more aggressive in the latter days of the month to fill quotas or g
easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi
als.
You can request they stop calling, but to verify your request you should send it in writing as a "Cease and Desist" letter. Mailing by certified/return receipt mail will prove when they received it. T
You can request they stop calling, but to verify your request you should send it in writing as a "Cease and Desist" letter. Mailing by certified/return receipt mail will prove when they received it. T
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
o avoid the letter they may simply hand off to another division with a different name or simply not pay attention to it. Avoidance of the letter is illegal, but it is up to you to legally enforce it.
Always
Always
and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ
require proof of the debt from the agency. This is important: The agency/attorney does not have to prove the validity of the debt; only a signed statement from any creditor or agency claiming the debt is v
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
lid. This changes somewhat if you are being sued, if so you may request from the attorney/agent a FDCPA Verification. This, again, only requires a signed verification for court filing that the debt is owed,
ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.
Following aspects would a
Following aspects would a
but gains some time for your court preparation and may frustrate the collector somewhat. No action can be take during the time needed to prepare this and lets the collector know you are not a pushover. Mai
dd to the challenges in developing combination products:
Which markets to tap where the combination products can do fairly well?
Which combination prod
Which markets to tap where the combination products can do fairly well?
Which combination prod
l this by certified/return receipt mail.
In the previous process and later do not irritate or try to intimidate the collector, be courteous and respectful!
The next step is: File a SWORN DENIAL, notarized,
In the previous process and later do not irritate or try to intimidate the collector, be courteous and respectful!
The next step is: File a SWORN DENIAL, notarized,
cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
and present it to the attorney and the court for filing. This denies you owe the debt and requires the collector most often (check with an attorney) to have a live witness to testify the debt is valid. Thi
tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
many times can stop or at least forstall proceedings.
Third step: File DISCOVERY with the attorney and the court. This document is to be a written Request for Production of Documents asking for a signed c
Third step: File DISCOVERY with the attorney and the court. This document is to be a written Request for Production of Documents asking for a signed c
t?
As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel
As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel
opy of the original agreement upon which the debt is based. Delinquent credit card debt is bought and sold so often that it is doubtful that the attorney can obtain a copy and if he can it may take a very lo
ping new procedures for reviewing their safety, efficacy and quality.
Professional from academic institutions, pharmaceutical industries, health care indust
Professional from academic institutions, pharmaceutical industries, health care indust
ng time.
With this accomplished you must take it upon yourself to SHOW UP on the court date and be prepared to verify what you say. An attorney would be the most viable way, but if you are in debt you prob
With this accomplished you must take it upon yourself to SHOW UP on the court date and be prepared to verify what you say. An attorney would be the most viable way, but if you are in debt you prob
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
bly can not afford one. You can defend yourself, but remember you are again doing battle with seasoned professionals within their arena. Winning this experience can be an ego builder, but losing does not me
.
As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de
As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de
an that you are a "Second Class Citizen"!
You now realize that INTIMIDATION is the only tool that collection agencies/attorneys have in their arsenal. If somehow you can refuse to be intimidated you many ti
You now realize that INTIMIDATION is the only tool that collection agencies/attorneys have in their arsenal. If somehow you can refuse to be intimidated you many ti
elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.
Companies that provide selfless information through particip
Companies that provide selfless information through particip
mes can be the winner.
Our government schools do not teach students how to handle money. It is up to you to become educated as to how to handle your finances. The following website is a good place to start
Our government schools do not teach students how to handle money. It is up to you to become educated as to how to handle your finances. The following website is a good place to start
tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products
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