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So I’ve filed for bankruptcy, now what?

I’ve heard from several people who have filed for bankrup

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

tcy protection that once they have successfully filed the last thing they want to do is deal with

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

Examples of combination products may in

their finances. I recommend that a person places their finances near the top of their priority lis

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

once a bankruptcy has been filed.

After all the clean fresh start that many attorneys promise is

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

n’t always as easy for many recent bankruptcy filers.

I recommend to any individual that even aft

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

Combination pro

er they file for bankruptcy that they still seek budgeting guidance from a credit counseling organ

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

zation. This is typically a free service that is developed to help people budget their daily finan

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

ces; this can be of great help once a bankruptcy has been filed by providing valuable insight on h

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

ow to prevent these problems in the future. If a credit counseling agency charges for this service

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

I recommend that you look again until you find help elsewhere. There are several well qualified ag

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

encies that offer no cost counseling.

Good credit will be difficult to come by, period. There is

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

Following aspects would a

a difference between good credit, which offers lower interest rates, no maintenance fees, etc. ver

dd to the challenges in developing combination products:

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

us poor or risky credit that is offered to individuals who have a shaky credit history.

Be carefu

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

l in deciding who to look for when seeking lines of credit, auto purchases, etc. Read all of the f

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

ine print and understand that if you borrow x amount of dollars it will actually cost you x amount

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

in the long run.

Save from the start. Don’t rely on getting a loan, it can prove to be risky and

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

Professional from academic institutions, pharmaceutical industries, health care indust

extremely costly as there are several organizations that love the fact that they can justify highe

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

r rates based on your poor credit. Talk to an agency about your budget and then start to save for

.

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

hose rainy day emergencies, such as a vehicle repair, vet bills, etc. The more you save the less y

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

Companies that provide selfless information through particip

ou will have to rely on a poor loan that will cost you in the end.

Article written by Rick Munste

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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