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Main Subject - The Flip Side of the New Bankruptcy Law
Congress passed and the president signed legislation earlier this year that made filing for personal ban
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
kruptcy a much more difficult proposition. At the urging of the financial industry – particularly credit
; 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
card providers and banks – the new legislation was drafted and approved setting the stage for stricter
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
requirements governing personal bankruptcy. There is a flip side to the new law, one that is actually hu
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
rting creditors more than they ever expected; please chuckle with me as you learn just what that other s
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
ide is.
When President Bush signed legislation making personal bankruptcy a more difficult proposition,
When President Bush signed legislation making personal bankruptcy a more difficult proposition,
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
credit card providers and banks hailed it as a significant move to reduce the number of deadbeats skirt
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
ing their financial obligations by filing for personal bankruptcy. The mood, however, has quickly shifte
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
d for creditors as an ugly flip side to the new bankruptcy law has reared its head: people are paying of
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
f their debt faster than ever before! Realizing that there is no second chance with the new law, consume
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
rs are reacting in fear and paying off their debts. So, why is this ugly for creditors? For two reasons:
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
1. Consumers are not using their credit cards as much, therefore their debt levels are now lowe
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
r.
2. Consumers are paying off existing debt at faster rates than have ever been seen before.
T
2. Consumers are paying off existing debt at faster rates than have ever been seen before.
T
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
he result? Less income for the creditors as consumers have wised up. MBNA and Capital One, two huge cred
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
it card providers, are seeing their profits sink. Other credit card providers are reporting similar resu
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
lts. Highly dependent on your desire to run up debt, these companies are now seeing their profit margins
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
drop sharply. In a nutshell: high consumer debt equals big profits; low consumer debt levels equals low
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
profits.
I am sure by now you are having the same chuckles as I am. Keep on laughing by paying down yo
I am sure by now you are having the same chuckles as I am. Keep on laughing by paying down yo
.
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
ur debt and by purchasing what you want with cash. Oh, by the way, ignore the increased flood in your ma
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
ilbox of credit card solicitations: you don't want to change the mood of the financial community, do you
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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