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Top Articles - Foreclosure Dangers!
Anyone can lose their home to foreclosure, even you!
The loss of a job; divorce, illness or some other “trigger event” could start the ball rolling. According to the Ameri
The loss of a job; divorce, illness or some other “trigger event” could start the ball rolling. According to the Ameri
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
can Banker’s Association, most people have less than 3 month’s worth of cash in reserve.
You may not realize that foreclosure can be the first step in the destruction of y
You may not realize that foreclosure can be the first step in the destruction of y
; 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
ur family’s financial future.
The foreclosure of your house can lead to the bank seizing anything you own; property, cars, stocks, your kid’s college savings! Even the IRS
The foreclosure of your house can lead to the bank seizing anything you own; property, cars, stocks, your kid’s college savings! Even the IRS
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
can get involved, perhaps garnishing your salary. Could you imagine that?
Get ready. There is a foreclosure Tsunami coming!
If you purchased your house or refinanced in the last 4 y
Get ready. There is a foreclosure Tsunami coming!
If you purchased your house or refinanced in the last 4 y
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
ars, you are vulnerable. The National Association of Mortgage Banker’s (NAMB) records show that more mortgages go into foreclosure 3-5 years after issue than at any other time.
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
A recent report by the Federal Reserve Board showed that historically, interest rate rises of 3% or more, started a housing market slump. Their increase last month brought the total ra
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
e increase since last year to 3 percent.
Also, you may have been among the 40% of mortgagors that took an adjustable mortgage recently. Those “teaser” rates of 5% or less
Also, you may have been among the 40% of mortgagors that took an adjustable mortgage recently. Those “teaser” rates of 5% or less
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
are set to explode your mortgage payments by 25-33% or higher when they adjust. In 2006, over $300 Billion dollars worth of mortgages will adjust with $1 Trillion more in 2007, accordi
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
g to Freddie Mac, the secondary mortgage lender.
The last piece of this looming disaster is the tiny amount of equity the average homeowner has in his property, less than 25%, accordi
The last piece of this looming disaster is the tiny amount of equity the average homeowner has in his property, less than 25%, accordi
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
ng to NAMB.
What if you were laid off and fell behind on your bills 2-3 months, including the $180,000 mortgage on the house you bought for zero down a couple of years ago, worth $200
What if you were laid off and fell behind on your bills 2-3 months, including the $180,000 mortgage on the house you bought for zero down a couple of years ago, worth $200
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
000 today?
How hard would you fight to keep your home with prices falling and similar properties renting for less than your ballooning mortgage payment?
You might be very tempted to
How hard would you fight to keep your home with prices falling and similar properties renting for less than your ballooning mortgage payment?
You might be very tempted to
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
end the keys to the bank and walk away.
DON'T!
You must not let the bank take your house under any circumstances!
Banks generally send out Notices of Default or foreclosure notices
DON'T!
You must not let the bank take your house under any circumstances!
Banks generally send out Notices of Default or foreclosure notices
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
when you miss 3 payments. This starts the countdown to the sale of your home on the courthouse steps.
In some states, this is a matter of weeks, in others it may take months. In the i
In some states, this is a matter of weeks, in others it may take months. In the i
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
terim, you watch helplessly as the unpaid mortgage payments, bank’s fees, late fees, legal fees, inspection fees, etc. blow up your indebtedness like a hot air balloon.
By the t
By the t
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
ime of the auction, the balance of your mortgage could have expanded by $20-$30,000 or more. The softening housing market and the flood of foreclosures means your home would probably s
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
ll at a discount at the auction.
If the proceeds of the sale do not cover the bloated total you owe the bank, you are in trouble.
In most states, the bank can get a “deficiency
If the proceeds of the sale do not cover the bloated total you owe the bank, you are in trouble.
In most states, the bank can get a “deficiency
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
judgment” against you for the balance. They can seize anything you own, as we noted before.
If the bank cannot recoup their deficiency from you, or your state will not allow a
If the bank cannot recoup their deficiency from you, or your state will not allow a
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
eficiency judgment, they will write the deficiency off on their taxes.
The IRS now comes into the picture. They consider money you owed and did not pay, your mortgage deficiency; to b
The IRS now comes into the picture. They consider money you owed and did not pay, your mortgage deficiency; to b
.
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
e income to you!
They will add it to your annual income and expect you to pay taxes on the total amount, in cash with your next return.
If you cannot pay, the IRS can come after ever
They will add it to your annual income and expect you to pay taxes on the total amount, in cash with your next return.
If you cannot pay, the IRS can come after ever
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
thing you own, including your paycheck.
Don’t let your family’s financial future be destroyed. If you are facing foreclosure, seek professional help as quickly as possible
Don’t let your family’s financial future be destroyed. If you are facing foreclosure, seek professional help as quickly as possible
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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