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If you some you know is considering bankruptcy, remind them that there is an

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

other option called debt negotiation. If at all possible debt negotiation wo

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

Examples of combination products may in

uld be the better choice.

The large majority of bankruptcies for consumers

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

are chapter 7 and chapter 13. Chapter 7 gives almost total relief of balance

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

s owed to creditors. With chapter 7 you will lose any property that stands a

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

Combination pro

s collateral for a loan. With chapter 13, you are allowed to keep your belon

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

gings, but the court system will set up a payment plan. This payment will ar

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

range for the repayment of debts. The lenders will not charge interest to th

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

e accounts any longer. Chapter 13 is by far the most used of the two.

For t

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

hose who are considering filing for chapter 13 bankruptcy protection there m

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

ay be another option. Debt negotiation can often be the best solution in thi

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

Following aspects would a

s situation. With debt negotiation you hire a company to negotiate with cred

dd to the challenges in developing combination products:

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

itors on your behalf. They negotiate a deal very similar to what chapter 13

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

filing would do. The main advantage with debt negotiation is most creditors

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

will notify the credit bureaus of your earnest attempt to avoid bankruptcy 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

nd satisfy your debt. This will help save your credit rating and in the long

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

Professional from academic institutions, pharmaceutical industries, health care indust

you will be much better off.

When searching for a debt negotiation company

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

one of the best places to start is with debt consolidation lenders. Almost

.

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

all consolidation lenders have a department for debt negotiation. The intern

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

Companies that provide selfless information through particip

et has a wealth of knowledge and information that can speed up your process.

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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