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Foreclosure is a legal process by which a bank or a creditor auctions, sells or posssesses an immovable property, when the

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

owner fails to repay the lender the borrowed money. The agreement between the lender and the borrower is called a mortgage

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

Examples of combination products may in

or a deed of trust. Usually foreclosure is resorted to when the borrower defaults on payment and the agreement is secured b

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

y a lien on the property.

Foreclosures are of two types in the United States, namely judicial foreclosure and non judicial

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

foreclosure.

Judicial Foreclosure: In judicial foreclosure the foreclosure is basically a type of lawsuit. These are also

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

Combination pro

called deed in lieu of foreclosure. In this case the lender files a lawsuit against the borrower for foreclosure on the bo

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

rrower's property. These are long drawn out affairs. In the end the court appointed officer or the county sheriff auctions

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

he property. Most states have mandatory judicial foreclosures on default of payment. This is done to protect any equity in

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

the property or when the value of the property is much larger than the amount of debt.

Non Judicial Foreclosure: Non judic

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

ial foreclosure is authorised in some states like Florida, in which the lender need not file a foreclosure lawsuit. This is

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

also referred to as power of sale.The lender usually gives a legal notice to the borrower of their intention for foreclosu

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

Following aspects would a

re in a form prescribed by state statute. In this case the public auction is held by the mortgagee. The highest bidder beco

dd to the challenges in developing combination products:

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

mes the owner of the property without any effect of the earlier interest. Usually an eviction is required in such cases for

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

possession of the property. Non judicial foreclosures do not take much time.

Filing for bankruptcy provides a temporary s

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

ay to the foreclosure . It is mandatory for the lender who is foreclosing to notify all persons who may have a lien on the

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

property. The lien may be by contract, by statute or other law or through court order. In the United States, a 25 day notic

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

Professional from academic institutions, pharmaceutical industries, health care indust

e of sale has to be given to the Internal Revenue Service by the foreclosing lender.

Contrary to popular belief purchasing

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

of foreclosure property is not as profitable as it seems and is fraught with risk. Hence when purchasing a foreclosure pro

.

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

perty it is prudent to see all the liens and agreement copy and also to obtain a fair market value of the property before b

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

Companies that provide selfless information through particip

idding. On the other hand a loan is a serious issue and a borrower should treat it accordingly by not defaulting on payment

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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