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Nobody likes to get phone calls from collection agencies. Despite laws intended to protect consumers from harassment, most collection agencies make you very unco

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

mfortable when they’re trying to get the money from you and will call you several times a day. If you have gotten to this point with your financial situation, it

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

Examples of combination products may in

s no wonder you’re considering filing bankruptcy for some relief!

Sometimes, people find themselves in such a bad financial situation that they’re at risk of evi

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

tion from their apartment or foreclosing on their homes, having utilities cut off for lack of payment, or getting served with a lawsuit by a creditor who is looki

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

g for their money and tired of waiting. If there is no equity in the home to pull out and pay off the debt that has gotten out of control, many people turn to ba

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

Combination pro

kruptcy to alleviate the financial stress.

When you file for a bankruptcy, a magical process called “the automatic stay” occurs immediately. An automatic stay st

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

ops creditors from calling, and can even put an end (at least temporarily) to many other stressful issues related to not being able to pay your bills, also. Any

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

lawsuits filed against you must be put to a stop, immediately. It can also provide assistance and prevention of various other common emergencies (and why many pe

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

ple decide to move forward and file for bankruptcy).

The Automatic Stay Prevents Many Issues

The automatic stay is a protection provided by the Bankruptc

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

courts, and it is designed to give consumers some more breathing room while they work to get their finances straightened out, or at least to get them more manage

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

ble. It doesn’t matter whether the consumer is applying for a Chapter 7 or a Chapter 13 bankruptcy, the Automatic Stay protects them from creditor harassment and

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

Following aspects would a

other stressors during this time period.

Disconnections from Utilities: Sometimes when you fall far enough behind on various utility bills, you might get threa

dd to the challenges in developing combination products:

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

s to have your water, electric, telephone or gas shut off. When you file for bankruptcy, the automatic stay will ensure that the disconnection is at least preven

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

ed for 20 days. When the bankruptcy goes through, most utility debts will be discharged completely.

Eviction: If you have been unable to pay your rent and your

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

landlord is threatening to evict you, the automatic stay may help you stay in your apartment. Keep in mind, recent changes to the bankruptcy law make it easier f

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

r landlords to evict non-payers of the rent, even if there is an automatic stay. If your landlord had already created a judgment of possession against you prior

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

Professional from academic institutions, pharmaceutical industries, health care indust

to the filing of the bankruptcy, than he or she is entitled to proceed with evictions. You also may not be protected under the automatic stay if you have damaged

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

the landlord’s property.

Foreclosure: If you have been missing your mortgage payments, after awhile, the house will get foreclosed on. An automatic stay from th

.

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

filing of bankruptcy will temporarily stop the foreclosure proceedings. If you are in danger of foreclosing on your home, it’s probably better to go with a Chap

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

Companies that provide selfless information through particip

er 13 bankruptcy than a Chapter 7, because it will help you keep your home where as a Chapter 7 will require you sell the home back to the bank, in most instances

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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New inventions in almost every field are pretty common these days. With the increase in intelligent and more radical approach to life a lot of people are turning their ideas into successful businesses. The process of inventing a product and its successful implementation is not as easy as it seems.

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