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Dealing with creditors and debt collection agencies is always a difficult ordeal. Their annoying and persistence way o

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

f tracking you down no matter where you are can be very frustrating for you, your family and even your fellow colleagu

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

Examples of combination products may in

s.

Fortunately, to protect the overly abused debtors, there is the Fair Debt Practices Act or the FDCPA for short. It

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

is a federal law that bans unfair debt collection practices which will affect the quality of debtors’ life considerab

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

y.

While this article does not list the whole act, it is good to know the common illegal debt collection practices so

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

Combination pro

that you will not be intimidated and know how to deal with them.

1. Contact third parties including your families, f

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

iends, neighbors or employers about your debt.
Unless the court has given them permission for your creditors to d

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

o so, it is illegal for them to contact third parties about your debt. But they may contact third parties for the purp

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

se of locating you. Even so, creditors must not reveal why they are looking for you, unless you are a minor.

2. Conta

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

ct you at odd hours of the day – late night or too early in the morning.
Under normal circumstances, any time bet

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

een 8am to 9pm is a acceptable time for them to call. Under no situation should your creditors call you when you are s

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

Following aspects would a

leeping, for example at 3am.

3. Contacting you repeatedly by phone or not identifying themselves when they called.

4

dd to the challenges in developing combination products:

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

Continue to contact you when you are represented by a lawyer or when they have received a written request from you to

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

cease contacting you. ( a cease letter)

5. Make threats, use obscene, profane or abusively languages and comments on

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

you.

6. Misleading you that they are affiliated with any state or federal government, or the legal status of your deb

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

ts.

These are just some of the common illegal debt collection practices. The FDCPA bans just about any abusive, disho

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

Professional from academic institutions, pharmaceutical industries, health care indust

est and unfair debt collection practices that might affect the quality of your life greatly.

To find out more about y

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

our rights as a debtor, visit www.ftc.gov/os/statutes/fdcpa/fdcpact.htm for more information. It’s always good to know

.

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

your rights as they give you a means of handling your creditors such that they don’t take advantages of you. Neverthel

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

Companies that provide selfless information through particip

ess, understand that the purpose of the FDCPA is to help you deal with creditors and not to ignore them and your debts

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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