Answers - Real Estate

Homeowners facing foreclosure should be aware of unscrupulous lenders and scammers. Don’t get me wrong, m

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

ost lenders and agencies are reputable and legit. However some lenders, commonly second mortgage issuers

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

Examples of combination products may in

ill use unethical practices that increase the risk of nonpayment by the borrower. These tactics may inclu

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

de lending a large amount in hopes that the borrower will not be able to keep up with the payments, charg

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

ng outrageous interest, points or fees. They may also repeatedly refinance the loan without any real bene

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

Combination pro

ficial reason to the borrower. Homeowners facing foreclosure are often targets of these scammers because

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

hey are seeking any solution possible at the time.

One of the most common tricks is an “equity skim”. Wh

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

at is equity skimming? This is when a buyer approaches you and offers to get you out of foreclosure buy p

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

ying off the mortgage or offering money when the property is sold. They will often suggest you move out q

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

uickly and sign the deed over to them. They will then collect rent from the property and fail to make pay

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

ents on the mortgage. The lender will continue the foreclosure process and foreclose. Signing over the de

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

Following aspects would a

ed does not mean you are no longer obligated to make mortgage payments.

Another trick scammer’s use is t

dd to the challenges in developing combination products:

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

set up a “counseling” agency. They may contact you offering to do certain services for a given fee. Ofte

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

n times these are thing you can do yourself for free. It is important to note that most services are legi

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

imate and will provide lots of great help.

So what do you do if you suspect you are being duped? The mos

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

t important things is don’t sign any documents unless you fully understand what you are signing. If the p

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

Professional from academic institutions, pharmaceutical industries, health care indust

rty you are dealing with makes any sort of promises make sure they are in writing. If you arrange a contr

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

act of sale loan assumption make sure you know weather or not you are released from liability of the debt

.

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

Consult with your attorney before agreeing to any deal that involved your home. Should you decide to sel

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

Companies that provide selfless information through particip

l your home to stop foreclosure, have a look at any possible complaints pertaing to the prospective buyer

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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