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If you are on your own without the aid of an experienced lawyer chances are that by going through a bankruptcy process you lost most of your assets.

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

When going through bankruptcy you are only entitled to keep certain properties: A single vehicle up to a certain value, necessary clothing, tools 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

ou strictly need for your job, small personal belongings up to a certain value, insurance up to a certain value too, the property where you live, pa

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

rt of your earned (yet unpaid) wages, social benefits, necessary house appliances and other home equipment, etc.

Any other belongings like other ho

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

ses or other vehicles will be used to repay the creditors and you’ll typically lose them. Moreover, not all debts are dischargeable so you’ll end up

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

Combination pro

with some outstanding obligations you’ll need to meet on a monthly basis, thus limiting your income.

How personal bankruptcy affects loan appli

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

cations

Loan approval or denial is generally a decision based on credit score which is determined by your credit history. It’s not an exaggerat

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

on to say that a bankruptcy ruins your credit history, but it doesn’t ruin it beyond recovery. The main problem is that it doesn’t only leave a nega

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

tive stain on your credit report but it also reduced your assets that could guarantee a loan and your income which is another guarantee for lenders.

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

That being said, truth is that a bankruptcy on your credit report will scare lenders away unless you can show that after two years since the bankr

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

ptcy has been dismissed, you have been able to build an impeccable credit history without stains at all. There are also other things you can do to b

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

Following aspects would a

oost your possibilities of getting approved.

How to increase your chances of getting approved

Make sure your credit report is clean of stai

dd to the challenges in developing combination products:

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

ns on your recent credit history, check that there is not negative information that shouldn’t be there like missed payments or late payments that yo

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

u’ve canceled on time. If there are, contact the credit agencies with documentation backing up your claim and demand them to remove that information

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

If your recent credit history is bad, you will need to wait in order to successfully apply and 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

ices.com/bankruptcy.html">get approved. Make sure you pay all your bills in time for at least six months and if you can get a credit card to sta

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

Professional from academic institutions, pharmaceutical industries, health care indust

rt rebuilding your credit do so but make sure you never miss a payment and pay your balance in full each time.

When applying for a bankruptcy loan,

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

if you can provide collateral, your chances of getting approved will increase considerably. Your home or your car can both be used as security for a

.

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

secured bankruptcy loan. This will greatly reduce the risk implied for the lender and may convince him to approve your loan. If you can also provid

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

Companies that provide selfless information through particip

e a co-signer with a better credit score than yours, this will also boost your chances and contribute significantly to your bankruptcy loan approval

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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