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Being bankrupt means having nothing on hand, in most cases especially money. It is a financial state where money was lost and many loans were not paid because of lack of monetary resources or

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

income.

If bankruptcy will be formally defined, then bankruptcy is a legally declared inability or impairment of ability of an individual or organization to pay their creditors. A declared

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

Examples of combination products may in

tate of bankruptcy can be requested or initiated by the bankrupt individual or organization, or it can be requested by creditors in an effort to recoup a portion of what they are owed.

Bankr

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

ptcy doesn’t necessary mean that it is just for banks. It is applicable to any person or group who lost resources and funds. If you are going to define bankruptcy, it varies. It may be indivi

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

ual bankruptcy or business bankruptcy.

Business bankruptcy is defined from its root words, bankrupt from the Latin word ‘bancus’ meaning bench and ‘ruptus’ meaning broken. The bench refers t

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

Combination pro

the place in a local market where a moneylender would set up shop. If the banker's business failed, or if he absconded without paying his creditors, his bench would be broken to show in a pu

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

blic manner that he is out of business.

In individual bankruptcy, a person who declares bankruptcy will experience extreme difficulty in acquiring credit for a number of years, at which poin

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

his or her previous bad credit history is erased if credit recovery is done properly.

It may be possible for such a person to arrange for limited secured credit in the form of a credit card

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

so that they can rebuild their credit rating. Until the end of the period of bankruptcy, however, the declarer will essentially have to live on a cash payment basis.

Many people who have gon

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

through bankruptcy describe it as a learning experience in which they gained an appreciation of the need to monitor one's debts before they get out of hand.

During declaration of bankruptcy

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

almost all of the things that we want are quite impossible including our dream car or house. It is virtually impossible to get a car loan after bankruptcy because companies and banks believe

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

Following aspects would a

that a bankrupt person has no capabilities of paying back loans.

Some people who had experienced bankruptcy themselves have used several techniques and methods to buy a new car. They were a

dd to the challenges in developing combination products:

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

le to acquire a car despite of the fact that many companies would not loan them the money for them to buy a car.

The following are some of the techniques used for you to purchase your dream

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

ar as easy as possible even if you have just declared bankruptcy.

• Try to buy cars that are affordable and cheap. This will help you to save money. Choose those that are a bargain or on sal

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

. Be sure to look up the Blue Book value of the car. Stick to those that are practical and reliable, this is not the time for a flashy convertible or a powerful SUV.

• In applying for a car

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

oan after bankruptcy, have someone act as your trustee or guarantor. Having someone to act as your trustee or guarantor will make your application easier and faster.

• If you do buy your car

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

Professional from academic institutions, pharmaceutical industries, health care indust

from a dealer, keep the focus on how much you can afford to pay each month not on how much you want to pay for the car on a monthly basis.

• Instead of putting the dealer in charge of your

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

inances, put yourself in charge. Start by calculating how much the car costs and what you can afford to pay off in two to three years.

• Put down as much as you can afford to put down toward

.

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

the total price of the car. This will help you to get a lower interest rate. Try to put at least 1/3 down payment of the total cost of the car.

These techniques given are just some that can

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

Companies that provide selfless information through particip

e used by those who have experienced bankruptcy and these techniques tend to be effective. Following these may help you, but it is still up to you to ensure that you make the payments on time

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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I remember as kid hearing these words on a regular basis. In fact this philosophy was re-enforced so much by my parents in my younger years that it has become a part of who I am today. But, I'm also a businessperson who enjoys earning a living, and in business, our primary goal is to maximize profits. So we have what appears to be an obvious conflict here. How does one remain profitable, let alone increase profit levels if they're giving things away?.

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