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A debt solution like bankruptcy should really only be used as a last possible solution.

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

The problem with this solution of debt problems is that it includes a lot more than si

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

Examples of combination products may in

ply eliminating debt. When someone declares them self bankrupted, all debt collection a

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

tions against that person are prevented. The court grants an "automatic stay", which -

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

ith a few exceptions means that creditors cannot come after the money owed to them.

Th

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

Combination pro

e most important exception is that when a loan is secured by property creditors can see

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

relief from the stay and seize that property. The other exceptions are student loan de

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

t, alimony, child support and taxes. The backside for the person who seeks this solutio

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

to eliminate his debt is that he or she must hand over all non-exempt property. This p

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

roperty is then sold and the proceeds are distributed amongst the creditors.

There are

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

two types of this solution of your debt problems:.

Chapter 7

which states that

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

Following aspects would a

a person is required to hand over much of their property, but creditors cannot seek dam

dd to the challenges in developing combination products:

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

ges from further income.

Chapter 13

allows a person to keep most of their inco

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

me, but have to make a plan to pay the debt back to creditors based on their future inc

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

me. Under this plan, the court can require individuals to live within a very strict bud

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

et.

As you see, there are downsides to both debt elimination plans. One of the bigges

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

Professional from academic institutions, pharmaceutical industries, health care indust

downside is that both debt erase plans will significantly impact a person's credit rat

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

e. For this reason, declaring yourself bankrupt is a solution of your debt problems tha

.

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

should be evaluated very thoroughly and carefully. Other debt solutions like debt ne

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

Companies that provide selfless information through particip

otiation, debt counselling and debt consolidation should definitely be considered first

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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