Answers - Finance

Here is my guide for those struggling with debt:

1. If your bank impo

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

ses late and bounced payment charges on you take this action before it

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

Examples of combination products may in

to late, take all of the cash out of your current account and open 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.

ew account with a different bank. Why?

Because if you do not take con

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

rol of these charges they will be getting bigger and bigger every mont

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

Combination pro

, eventually you won't be able to pay your mortgage or feed your kids.

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

Remember to tell your employer your new account details.

2. Cancel

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

ll direct debits from your old account.

3. Call your mortgage company

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

and rearrange your direct debit.

4. Work out what is coming in and wh

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

t is going out, then work out your debt.

Write down all your essentia

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

expenditure such as mortgage, food etc.

Whats left over split among

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

Following aspects would a

your debts.

5. Write to each of your creditors explaining your situat

dd to the challenges in developing combination products:

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

on and attach a copy of your income and outgoings. Politely tell your

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

reditors of your situation and asked they except what you can afford t

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

pay them.

Ask they freeze all interest and charges.

U.K law says yo

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

should repay your debts, but only at a rate at which you can afford.

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

Professional from academic institutions, pharmaceutical industries, health care indust

Dealing with creditors can be intimidating, but I think you just need

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

to be honest with them. It is better to deal with your debt problems A

.

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

AP before they get out of control.

Do not try and wish your debt issu

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

Companies that provide selfless information through particip

s away because if you try and do that they are only going to get worse

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 - Struggling With Debt

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