Top Adding - Real Estate

Unfortunately there are people out there that want to profit from your financial misfortune. If you are facing foreclosure you are vulnerable to these scam artists. In fact, you are their primary target.

How do they find you? It's easy. Once your lender files your foreclosure notice with the public trustee the public mus

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

t be notified, usually by a listing in your local or community newspaper. When this occurs you will likely be bombarded with mail, phone calls, and even personal visits by people claiming to be able to help you. These crooks watch the foreclosure listings like sharks circling their prey.

These predators will arrive at yo

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

Examples of combination products may in

ur doorstep at the most opportune time posing as caring allies who can 'creatively' solve your problems. In effect they are only interested in stealing your hard earned equity or even your home itself.

You can usually spot these scam artists by their bogus titles such as 'foreclosure specialist' or 'foreclosure consultan

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

t'. These titles are red flags. They will act like your friend, give you false hope, and tell you everything you want to hear. Be very skeptical of anyone claiming that they can help you. Tell them upfront you will be looking into their qualifications, background, and business standing. That should send the worst of them

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

way. For those remaining, you’ll need to know the three primary techniques they will employ to try to rip you off.

The first and most commonly used technique is called Equity Skimming. In this scam a person claiming to be a buyer will approach you. They will promise to get you out of your foreclosure dilemma by paying of

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

Combination pro

f your mortgage and giving you a sum of money when the property is sold. The "buyer" will probably suggest that you deed the property to them, move out, and discontinue communication with your mortgage lender.

Typically the scam will play out by the buyer renting out your home to a third party and collecting rental payme

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

nts for a few months. During this time they will not make any of your mortgage payments and will allow your lender to foreclose on the property. Signing over your deed to someone else does not relieve you of your obligation on the loan.

If you are reluctant to sell your home to them they may offer to 'lease it' back to y

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

ou if you agree to deed the property to them. On the surface this option may seem appealing since you can remain in your home - but don't be fooled. This almost always leads to disaster.

Usually these crooks will promise to sell your property back to you on a future date after the threat of foreclosure subsides. Arrangem

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

nts like these usually end up benefiting only the person or company approaching you. Do not risk it. Once you sign over the deed to your home you lose control of it. They will have the ability to borrow against your home or even sell it without your permission.

The second scam technique involves a phony loan transaction.

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

You are presented with documents that appear to be a refinance loan that will bring your delinquent loan current. But in reality the documents may be cleverly worded to transfer title of your home to their company for only a fraction of its value. Or if the loan doesn't transfer title to them it still may have undisclos

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

ed, hidden traps in the terms that can spell disaster for you. Common traps such as outrageous fees, interest-only payments, immediate rate adjustments, balloons, and prepayment penalties.

You have to know exactly what you are agreeing to. Once you sign the documents, even if the terms were not explained correctly, you w

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

Following aspects would a

ill be responsible for those terms upon the funding of the loan. Always have an attorney review any such transaction in advance before signing anything. If you are pressured in any way to enter into an agreement regarding your home you can safely assume that you are being victimized.

The third most common technique used

dd to the challenges in developing combination products:

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

o separate you from your money is the bogus 'expert'. Here you are approached by someone offering to help you solve your foreclosure problems for a fee. Usually the help entails simple tasks that you can do yourself for free - such as negotiating a payment plan with your lender. The worst of these individuals will simply

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

take your money and walk away without helping at all. Never agree to pay anyone up front for their foreclosure services.

In summary here are the basic rules to follow:

Never agree to deed your property to anyone
Assume the person approaching you is more interested in the money they can make than they

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

are with solving your problem

Never pay any money upfront to people claiming to be experts or specialists

Never sign any document you don't fully understand

Do not allow yourself to be intimidated by pressure or threats from any third party

Make sure you get all "promises"

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

and offers in writing

Any agreements or offers should be reviewed by an attorney before you sign anything

Always remember that verbal agreements mean nothing

Beware of any contract of sale or loan assumption where you are not formally released from liability for your mortgage debt

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

Professional from academic institutions, pharmaceutical industries, health care indust

>Check with your lender before entering into any agreements affecting your property

Never agree to pursue a new loan with monthly payments you know you will have trouble making

Never sign any document that has blank lines or spaces to be filled in later

If you don't speak English use your own

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

translator. Don't rely on anyone else's translator

If you are selling the home yourself to avoid foreclosure, check to see if there are any complaints against the prospective buyer. You can contact your state's Attorney General, the State Real Estate Commission, or your local District Attorney's Consumer Fraud

.

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

Unit for this type of information

Be especially aware of 'affinity marketing' techniques offering you help. For example Christians helping fellow Christians, Hispanics helping Hispanics, etc. There has been an increase in scam artists looking to exploit people that share a common interest, belief, or social g

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

Companies that provide selfless information through particip

roup. Their goal is to gain your trust through a common thread and get you to let your guard down

One last note regarding foreclosure scams. People looking to rip you off don't necessarily have to be strangers. Make sure any offers from friends or family meet the same criteria and are in your best interest

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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Communication failures are common in industry and government. In many cases the poor communication stems from a lack of knowledge by managers, supervisors and team leaders in how communication works in the human brain. A result of this poor understanding is lower levels of productivity than is otherwise possible.

There used to be a recorded phone line we could call when I was selling for Time-Life Books that would give us a quick injection of motivation. It was sponsored by Jack Schwartz, a former insurance agent who became one of telephone selling’s first authors and consultants. There's a lot to be learned by looking at the out-of-print books of long-gone phone pro's, says Dr. Gary S. Goodman, top speaker and consultant, radio and TV commentator, and best-selling author of 12 books, including such classics as: REACH OUT & SELL SOMEONE and YOU CAN SELL ANYTHING BY TELEPHONE!

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