Advice You - Finance

Virtually no-one starts out thinking that they will need to file for personal bankruptcy (also calle

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

d Chapter 7 bankruptcy). But for an increasing number of people, personal bankruptcy is necessary,

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

Examples of combination products may in

erhaps due to loss of income, medical problems and bills, or even divorce.

Take our early warning 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.

nkruptcy quiz to see if you may be heading for personal bankruptcy. If you answer yes to any of the

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

following questions, it may be time to talk to a bankruptcy attorney, or talk to a credit counselor

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

Combination pro

o consider your bankruptcy alternatives.

Do you see yourself in any of these personal bankruptcy ea

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

rly warning signs?

You do not answer your phone at home, because you are afraid it will be

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

bill collector.

You have a pile of unopened mail at home, and you know the envelopes contai

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

past due notices from your creditors.

You take a cash advance from one credit card to make

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

he payment on another card, and then the following month you repeat the process in reverse.

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

ou only make the minimum payments each month on your credit cards.

If you open your wallet o

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

Following aspects would a

r purse you have more than two credit cards that you use regularly, and that currently are carrying

dd to the challenges in developing combination products:

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

balance owing.

Your worry about your financial problems, and you have trouble sleeping at n

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

ght.

Your relationships are suffering because of your financial problems.

Most peop

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

e who take this quiz find it to be a shock to discover that their financial problems are as serious

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

s they are. They often do not realize that it is not normal to constantly get calls from collection

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

Professional from academic institutions, pharmaceutical industries, health care indust

agents, and it is not a good idea to have many different credit cards.

If you see yourself in any

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

f the items listed above, it is time to consider your bankruptcy alternatives, before personal bankr

.

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

ptcy becomes your only option.

Only you can take the necessary steps to improve your financial situ

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

Companies that provide selfless information through particip

tion, so do not delay; the sooner you start, the sooner you will have a more secure financial future

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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Advice You - How Do I Know That I May Need to Go Bankrupt?

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