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The phone is ringing off the hook and caller ID identifies the incoming calls as “unknown caller,” toll-free call,” or “out of area.” When you finally politely answer the phone you’re confronted by an obnox

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

ious, rude and threatening bill collector.

If you’re having difficulty paying your bills, this scenario is not uncommon. The tactics used by some debt collectors can often make consumers fear the worst, wi

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

Examples of combination products may in

h threats of arrest, wage garnishment and lawsuits. These types of aggressive and deceptive unfair collection practices have the potential to lead to personal bankruptcy, marital problems, job loss and inva

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

ion of privacy. Knowing your rights under the Fair Debt Collection Practices Act (FDCPA) can help arm you with the tools needed to stop these bullies from harassing you any further.

I once received a call

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

rom a client who was in an absolute state of panic as a result of a call she received from one such bully. The bill collector threatened to call my client’s employer to inform them of the debt my client owe

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

Combination pro

. Needless to say, this particular client was fearful of losing her job. Fortunately, I was able to calm her nerves with a speedy FDCPA course. The fact is, debt collectors are prohibited from revealing tha

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

t a consumer owes a debt to anyone other than the person who actually owes the money. This includes written correspondence, as well. Debt collectors are not allowed to send postcards or use language and sym

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

ols on an envelope that may indicate the sender of the contents is in the debt collection business.

If you’re being harassed by an aggressive or abusive bill collector, with constant phone calls to your ho

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

e, it’s really very easy to get these calls to stop. You see, if you notify the debt collector in writing that all further communication is to be ceased, the debt collector is prohibited from contacting you

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

unless it is to advise you that their collection efforts are being terminated, or to inform you that a specified remedy will be invoked.

If you’re receiving calls at your place of employment, this communic

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

tion can be stopped, as well. Once you inform the collection agency or debt collector that your employer doesn’t allow such communication, the debt collector is prohibited, under the FDCPA, from any further

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

Following aspects would a

calls to you at your place of employment.

Like most people, I’m sure you’ve heard horror stories relating to abusive behavior from ruthless debt collectors. Under no circumstances should you ever allow yo

dd to the challenges in developing combination products:

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

rself to be intimidated or harassed by any such individuals. The use or threat of violence, obscene or profane language, and repeated continuing phone calls meant to annoy or harass are simply not tolerated

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

under the FDCPA. Additionally, debt collectors may not use false, deceptive or misleading representation in connection with the collection of any debt. This includes the false representation or implication

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

hat the debt collector is an attorney and/or the threat to take any action that cannot legally be taken. It’s not unusual to hear the term “wage garnishment” from debt collectors. The fact is, your wages (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

d/or bank accounts) simply cannot be garnished without a judgment in place. So, unless you’ve received notification of a lawsuit you can be relatively certain that no judgment exists, which means absolutely

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

Professional from academic institutions, pharmaceutical industries, health care indust

nobody can touch your earnings or savings.

In fairness to the “good” bill collectors, it’s important to know that not all individuals employed in the collection industry are ruthless and lacking basic hum

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

nity. As a matter of fact, the majority of bill collectors I deal with are more interested in resolution and results than in non-productive harassment and arguments. If, however, you are on the receiving en

.

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

of any type of unacceptable communication from a non-results-oriented bill collector, don’t hesitate for one moment to report this person to the Federal Trade Commission and/or your Attorney General. And d

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

Companies that provide selfless information through particip

n’t be afraid to inform the collection agency with whom you’re dealing exactly what your intentions are. The FDCPA is intended to protect consumers from the abuse of bill collectors – if you need it, use it

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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Management engineers are invaluable in the project management field, especially on projects that require engineering supervision and technical expertise.

To market your business, know that giving things away actually equals giving back to yourself and your business. This applies to advice, services, publicity, as well as products, and money. Consider the following ideas when it comes to the business principles of giving and receiving.

We have all heard about affiliate marketing and affiliate programs. What do we need to know to be successful with affiliate marketing?

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