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Suing your creditors and collection agencies is not a hard thing to do if you have a base for your

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

argument. I know what most people think, and that is "I owe them money, so how can I sue". The cre

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

Examples of combination products may in

ditors are governed by the fair credit reporting act (FCRA), and the collection agencies are govern

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

ed by the fair debt collection practices act (FDCPA). These acts were put in place to make these c

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

editors and collection agencies accountable. What can one sue for you ask. Well here is a list of

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

Combination pro

things you can sue for. Remember, it doesn't matter that you owe them money, they still have to 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

ollow the rules to collect it.

1. Creditors if they report your credit history inaccurately

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

- Most of the time, they will try and correct this problem if you dispute it. They know they are n

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

ot supposed to do that, but if you make a partial payment and they don't report it, then they are 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 violation.

2. Creditors, if you dispute a debt, and they fail to report it as disputed to the

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

credit bureaus- Some creditors will neglect to do this and you can make them pay for it.

3

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

Following aspects would a

Creditors if they pull your credit file without permissible purpose - Making inquiries on your

dd to the challenges in developing combination products:

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

credit report without your permission is not allowed.

4. Calls you at your place of employment

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

if the debt collector knows or has reason to know that your employer prohibits the consumer from re

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

eiving such communication. - They can't cause you to lose your job because you owe them a debt

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

. You do have to tell them that your boss doesn't allow personal calls. They can call your job un

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

Professional from academic institutions, pharmaceutical industries, health care indust

til you instruct them otherwise.

5. The collection agency can not use any kind of harassment or

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

abuse - I have had collection agencies say things like I'm stupid, they call hours they are not

.

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

supposed to, cursing, etc.

There are many more things you could sue for. You just need to be ver

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

Companies that provide selfless information through particip

y organized and keep records of everything you do, every phone call you take, who you spoke to, etc

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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