Others - Finance

Debt counseling is very helpful to borrowers when they struggle with meeting monthly payments towards differe

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

nt debts. Debt counseling is offered by different companies and is also available online. Debt counseling fir

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

Examples of combination products may in

ms and agencies commit themselves in educating clients about debt repayments and the wise usage of credit. Th

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

e National Foundation for Credit Counseling (NFCC), Consumer Credit Counseling Services (CCCS), and Debtors A

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

onymous are some debt counseling agencies.

The National Foundation for Credit Counseling offers both local a

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

Combination pro

nd online agencies to render credit-counseling services. They also provide money management education along w

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

ith these services and charge a very reasonable fee. On the other hand, the Consumer Credit Counseling Servic

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

es Organization help customers in debt related issues and also offers education on the use of credit, underst

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

nding a credit report, and budgeting. The online services of this agency are available at www.cccsintl.org. I

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

n the case of Debtors Anonymous, debt counseling services are not rendered by the organization directly, but

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

it offers self-help groups who can share their personal experiences with the consumer, with one debtor helpin

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

Following aspects would a

g another.

A consumer has to consider some important factors before choosing the right credit counseling opt

dd to the challenges in developing combination products:

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

on. First of all, he has to check with the type of money management services offered by the concerned organiz

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

ation and also whether the agency offers those services free of cost. The next important factor is credit cou

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

nseling fees and their breakdown. Some agencies charge higher upfront fees and some others lower ones. Anothe

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

r important factor is the customer service offered by the agency. Whenever a customer needs any counseling, s

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

Professional from academic institutions, pharmaceutical industries, health care indust

meone should be available in the organization during all the business hours.

It is advisable for the borrowe

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

rs to approach only accredited credit counseling agencies. The customers should maintain complete details as

.

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

to how much of each monthly payment is going to which creditor and how much towards agency’s fees. The custom

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

Companies that provide selfless information through particip

ers have to ensure that all the terms and conditions and promises made by the counselors should be in writing

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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