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When you're dealing with debt, one of the most stressful things can be constant phone calls and letters from debt c

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

ollectors. Fortunately, there are a number of types of protection and techniques to help you deal with them.

Guide

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

Examples of combination products may in

ines have been set for what debt collectors are allowed to do (and not allowed to do) in attempts to collect outsta

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

nding debts. These rules are set out in the Fair Debt Collection Practices Act. For example, they can't call before

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

8:00am or after 9:00pm or continue to make harassing phone calls if you have requested they stop.

You can find the

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

Combination pro

full text of the FDCPA at the following website:

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#801

As a resul

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

, you've got a few options. The simplest is to simply not answer the call. Most people have caller ID on their phon

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

es these days, and if you don't recognize the number of the person calling, it's a simple matter of not answering.

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

f it is somebody you wanted to talk to, they will likely leave you a message anyway.

If you do answer the call and

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

it turns out to be a debt collector, you can insist that they stop calling you. This should be followed up with a

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

cease and desist" letter physically sent to them - they are legally obligated to stop calling if this has been sent

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

Following aspects would a

The most obvious and effective option for dealing with debt collectors is to actually pay the debt. You took resp

dd to the challenges in developing combination products:

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

onsibility for the debt and you owe it to the creditor to pay it. Requesting they stop calling you doesn't mean you

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

don't have to deal with it anymore.

If you are unable to repay the debt for some reason, you may be able to negoti

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

ate a reduced interest rate or even a lower debt by explaining your situation. Keep in mind, however, that "I've bo

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

ght too much stuff on my credit cards and can't afford to pay for it all" probably isn't going to get the same resp

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

Professional from academic institutions, pharmaceutical industries, health care indust

onse as "I was laid off from my job and am struggling to stay afloat."

If you do negotiate a better deal with your

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

creditors, make sure you follow up on your commitment. While bill collectors may seem to be unpleasant people, the

.

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

fact is they're really just doing their job which is to collect the outstanding debt. Once you have made a deal, an

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

Companies that provide selfless information through particip

showed you will follow through on your commitment, they will move onto other people and leave you alone once again

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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Any time you make changes in your life you are going to be met with opposition from people who would prefer you to stay exactly as you are. Sadly, these people are often the ones that love you the most; your family, friends, partners and even work colleagues. However, in your moments of entrepreneurial seizure, the greatest opposition that you will experience (particularly if you’re a seasoned employee) will come from within yourself.

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