Answers - Finance

People take their money very seriously. Once they realize that they are in a debt problem, they

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

will do just about anything to get out of debt. If they realize they can’t do it on their own, p

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

Examples of combination products may in

ople often want to seek the advice of a credit counselor, but it is hard to know what to look fo

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

in a good credit counselor. Here are 4 signs of a good credit counselor that should help you in

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

your decision

Free or Cheap

Good credit counselors are not going to charge you huge fee

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

Combination pro

for their services. Most of the better credit counselors are from non profit organizations and

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

they are normally free. If you find that you are being charged monthly for their services or tha

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

there are hidden fees in the check you write to pay off your debt each month, find a new credit

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

counselor.

More than just a check

Many credit counseling and debt consolidation compani

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

s just take your money and pay your debts, end of question. A good credit counselor does just th

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

t; they counsel. They help you devise a plan that tells you how and where to spend your money; t

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

Following aspects would a

hey essentially put you on a budget. If you need more counseling, a good credit counselor will g

dd to the challenges in developing combination products:

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

ve it to you.

Advise you to close your cards

This is a big one. Many credit companies h

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

lp people pay off their debts, but don’t advise them to close their credit cards or other forms

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

f credit. This is important; if you want to stay out of debt; those cards need to be a closed. A

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

good credit counselor will make sure you close them and set you up on a budget, so you don’t nee

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

Professional from academic institutions, pharmaceutical industries, health care indust

d new credit cards.

Timelines

A good credit counselor will give you a timeline to pay o

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

f your debts. Every month you should receive a statement saying how much you paid, where it went

.

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

and how much more you owe. If you are not getting this and you are just paying blind amounts of

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

Companies that provide selfless information through particip

oney, demand a statement. A good credit counselor will give keep you up to date on your progress

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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Answers - 4 Signs of a Good Credit Counselor

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