Useful Advices - Finance

Are paying the average of $200.00 per month on your credit card bills? Would you

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

like to be able to negotiate these debts and get them lowered? Well, there are so

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

Examples of combination products may in

me things that you may be able to do that would help.

In some cases, depending o

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

the current relationship and past track record you have with your credit card le

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

nder it may be possible. If you have a good relationship you may try calling them

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

Combination pro

and asking if they have any type of rewards programs for good customers. Some of

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

these programs include lowering the interest rates of customers who have demonstr

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

ated their creditworthiness. If this is a consideration you should start by calli

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

g the card companies that you have been with the longest amount of time. Generall

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

y you will also gain creditability for the length of your relationship with the c

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

mpany.

There is an option that you can use if you have been late on your payment

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

Following aspects would a

s, or are currently late on them. It is called debt negotiation. The reason that

dd to the challenges in developing combination products:

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

debt negotiation is usually not an option for most people is the fact that you wi

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

l need to atleast be able to pay a portion of the debt in one lump sum. If you do

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

not have a lump sum you can try a couple of things to raise it. Explore the poss

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

bility of borrowing from a family member. If this is possible you can repay them

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

Professional from academic institutions, pharmaceutical industries, health care indust

each month with a portion of the money that you are now saving. Sometimes they wi

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

ll not charge you any interest. Another option is to plan to negotiate with them

.

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

t tax time, if you believe you will be receiving a refund. Using a tax refund to

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

Companies that provide selfless information through particip

pay off your bills isn't much fun but it will pay dividends each month thereafter

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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Useful Advices - Guide to Debt Negotiation with My Credit Card Company

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