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Warning: DO NOT Begin any Debt Management Program, UNLESS the Company You Choose Meets these Six Criteria:

In fact, if these six criteria are not met, don't even get your hopes up...

1. The company has been

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

in business for over one year.

If 9 out of 10 new businesses fail within one year, why would you want your financial future dependent upon the success of a brand-new business?

There's been an explosion of d

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

Examples of combination products may in

ebt management, debt settlement, debt negotiation and credit counseling companies in the past 1-2 years. Check to see when the company you're looking at began operations. BEWARE of brand new companies that wil

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

l ask for your business today, yet will be out of business by this time next year.

2. The company's Reliability Report with the Better Business Bureau is both listed and free of unresolved complaints.

Check

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

here and watch out for companies with a long list of complaints: www.bbb.org

Look at how long the company has been in business and contrast that against the number of complaints the company has had. It's very

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

Combination pro

rare for a company to be in business for very long without getting any complaints, although some have done it. Pay close attention, however, and RUN from any company who's only been in business for a short ti

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

me yet has a list of complaints with the BBB.

If a company does have complaints, be sure they are resolved. Ask the company about the complaint and trust your gut when you hear their response. Is it genuine a

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

d understandable or do they sound defensive like they are covering something up?

3. The company requires complete information from current statements BEFORE ever giving you a quote.

The Debt Consultant / Co

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

unselor / Specialist requires you to provide all current statements for your debt accounts before quoting you a monthly payment amount, length of program or estimate of how much you can reduce your debt.

Bewa

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

re of anyone who gives you a quote without thoroughly researching your account statuses, creditor names, balance transfer, cash advance and large purchase activities, minimum payment amounts and interest rates

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

FIRST. This is the surest sign of a company who is only out for your initial fees and either has no intention or ability to service your accounts after you sign up.

4. The company is working for you, not you

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

Following aspects would a

r creditors.

In whose best interest is the company looking out for? Better make sure you know! If you ask a bankruptcy attorney what your best option is, what do you think you'll hear? Of course: bankruptcy.

dd to the challenges in developing combination products:

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

But is it really best for you, or best for the attorney who gets paid a healthy fee and never suffers the consequences of the bankruptcy filings that you must live with for the rest of your life?

What about t

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

he Mortgage Banker or the Credit Counselor? Think they work for you? Think again...

5. The company is focused on helping you find the right solution for your situation, not forcing you into the only solution

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

they provide.

Is it possible for a company who only provides a single solution to provide you with unbiased guidance in making such an important financial decision? Maybe. But is it likely? No way. There's 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

trend in financial services that a few companies are finally catching on to, and that is focusing on a client's needs and meeting those needs, instead of trying to ""put a square block into a round hole.""

Ma

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

Professional from academic institutions, pharmaceutical industries, health care indust

ny companies specialize in a single solution and they are indeed the best at providing such a service, but how do you know that's the solution that's best for you? Who do you go to for guidance in deciding wha

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

's best for your situation? Look for a company who can provide any solution you may need. Find a company whose focus is finding your best solution, instead of fitting ""their solution"" onto you.

6. The comp

.

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

any has real results, a solid, proven track record and plenty of actual clients who are raving fans recommending their services.

Take some time to read testimonials, if they are offered at all. Ask yourself i

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

Companies that provide selfless information through particip

f they are genuine. Listen if you can. Look for a company who can show you examples of what they do, proof of the results they claim and plenty of people to refer to who have experienced the company's services

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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