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If you are currently struggling with the consequences of bad credit, chances are you are really hungry for a solution to your money problems. The telephone calls from collections agencies, the dema

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

nds of payment in your mailbox, the constant living on the smell of an oily rag, the bank account continuously going into the red…it makes for a stressful way of life, and you deserve better. You t

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

urn the television on and the second commercial you see is for a company that promises to repair your credit file. Sounds great right? After all, you’ve lost track of the defaults you’ve accrued,

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

and bankruptcy…that’s something you’re beginning to think is inevitable.

You’ve seen the Ads, so what is a Credit Repair Company? It’s fairly self-explanatory really. A credit repair company is a

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

firm that works with you to improve your bad credit situation. Such companies can do the following for you:

• Identify mistakes on your Credit File: It is possible that some entries on your Cred

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

t File were made in error, or as the result of fraudulent activity (e.g. if somebody stole your wallet, with your ID and applied for a loan under your name). Credit repair companies can identify su

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

ch errors and bring them to your attention. You can then approach Baycorp Advantage – the company who looks after Credit Files – and put forward your case proving the error and asking for the remov

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

al of the entry. Only you are authorised to put forward such a case.
• Negotiate your Debt Down: Credit repair companies can act on your behalf to negotiate with your creditors, in an effort

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

to reduce your debt. They can do this by proposing an informal agreement with your creditors, or a formal debt agreement (also known as a part IX or X).
• Work with you to Consolidate Debt: S

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

uch companies may secure loans for their clients that allow you to combine all of your debts into one loan, which can free up extra money for you each month.
• Arrange Mortgage Refinancing: If

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

you are in debt, these companies may be able to propose a refinance option for you. By refinancing, you use the equity in your home to pay off the more urgent (i.e. higher interest) debts. This me

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

thod can also allow you to consolidate your debts into one easy monthly payment, which can help you become a better money manager.
• Advise you of when Bankruptcy is Best: Bankruptcy should on

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

ly ever be viewed as a last resort, and these companies can assess your situation to determine if bankruptcy is your only option.

What a Credit Repair Company Cannot Do As you may already have gue

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

ssed, there are some things that credit repair companies cannot do. A credit repair company cannot:

• Remove items from your Credit File that are Legitimate: If you have defaults, judgements or w

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

rits that are legitimately on your Credit File, a credit repair company cannot remove them. These items are on your Credit File for a reason, and cannot be removed by anybody.

When Should I see a

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

redit Repair Company? If you are struggling with financial issues, or feeling like you have lost control of your financial situation, you need to speak to a credit repair specialist. Find a good,

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

reputable company that specialises in credit repair, and find out how you can turn your bad credit situation around. The path to a good credit, financially independent future is only a phone call a

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

way, so don’t wait another minute!

Julian Thornton is a Melbourne-based mortgage specialist who owns and operates the highly successful Designer Mortgage Solutions Pty Ltd. Although specializing i

.

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

n the field of bad credit mortgages and debt elimination, Julian can help anybody into their own home and prepare them for financial success. Julian can be contacted by email at julian@designermort

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

gagesolutions.com.au or by telephone on 03 9556 5431. Further information is also available at www.designermortgagesolutions.com.au .

© Julian Thornton, Designer Mortgage Solutions Pty Ltd, 2006

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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