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Just Other Articles - Debt Consolidation - Choose a Credit Counselor Carefully
Recently passed by Congress, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 will require people who are filing for bankruptcy to first undergo mandato
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
ry credit counseling.
This is probably not a bad idea; after all, many people with problem debt could probably benefit from credit counseling. A good credit counselor ca
This is probably not a bad idea; after all, many people with problem debt could probably benefit from credit counseling. A good credit counselor ca
; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.
Examples of combination products may in
Examples of combination products may in
n assist clients with problem debts in establishing a repayment schedule, creating a personal budget, and learning how to avoid debt and credit problems in the future.
Th
Th
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
e problem is that with the estimated one and a half million additional people seeking credit counseling each year, there will undoubtedly be more credit "counselors" enter
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
ing the market, and many of them are only interested in reaping huge profits at the expense of their clients. There are already a number of credit counseling firms workin
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
g in the marketplace that advertise themselves as "nonprofit", when they actually are closely tied to for-profit debt consolidation firms. These agencies will strongly en
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
courage their clients to consolidate debt through their partner company, and the result may be a long-term loan for the client that doesn't help them at all, but reaps hug
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
e profits for the consolidation firm. How can someone who is genuinely seeking legitimate, helpful credit counseling choose a counseling agency wisely?
- Counsel
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
ors should listen. If they start pitching a solution to you during the first fifteen minutes you are there, you should be suspicious. A credit counselor should be gather
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
ing information about you in order to determine how best to help you. They can’t possibly know how to help if they don’t understand your problem. Unless, of course, they
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
don’t care about your problem and only want to sell generic “solutions.”
Watch out for firms that want excessive fees up front. Be particularly wary of nonprofit ag
ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.
Following aspects would a
Following aspects would a
encies that ask for fees or “voluntary contributions” or nonprofit agencies that tell you that they cannot help you if you do not pay a fee upfront.
Beware of firms t
dd to the challenges in developing combination products:
Which markets to tap where the combination products can do fairly well?
Which combination prod
Which markets to tap where the combination products can do fairly well?
Which combination prod
hat ask for a sizeable fee to obtain a copy of your credit report. Such agencies should be able to obtain your report at no charge, and you are entitled to one report per
cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
year for free.
Sometimes, bankruptcy is unavoidable. Watch out if the agency doesn’t mention bankruptcy at all, or if they change the subject if you bring up the to
tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
pic. Debt consoldators cannot make any money on bankruptcy cases, but sometimes, that’s your only option.
Shop around. Talk to several different agencies and compar
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
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
e what they tell you. Any agency that differs dramatically from what the other agencies are telling you should probably be avoided.
Check with your local Better Busi
ping new procedures for reviewing their safety, efficacy and quality.
Professional from academic institutions, pharmaceutical industries, health care indust
Professional from academic institutions, pharmaceutical industries, health care indust
ness Bureau, and ask if they’ve had any complaints about the agency.
Watch out for firms that offer quick solutions to your problems. You didn’t get into financial t
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
rouble overnight, and you won’t get out of financial trouble overnight. Any competent debt or credit counselor will know this and will undoubtedly tell you that working y
.
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
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
our way out of debt takes time.
See if the agency belongs to the National Foundation for Credit Counseling or Association of Independent Consumer Credit Counseling Ag
elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.
Companies that provide selfless information through particip
Companies that provide selfless information through particip
encies. Many do.
By taking a few simple precautions before agreeing to work with a credit counselor, you may save yourself a lot of grief and a lot of money later
By taking a few simple precautions before agreeing to work with a credit counselor, you may save yourself a lot of grief and a lot of money later
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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