Archive for June, 2009

Fosamax Side Effects – Osteonecrosis of the Jaw (ONJ)

Fosamax Side Effects Drug Toxic Chemicals

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Fosamax Side Effects – Osteonecrosis of the Jaw (ONJ)

Fosamax, along with other bisphosphonates, can cause Osteonecrosis of the Jaw (ONJ), also known as Dead Jaw. Fosamax’s action to prevent bone from repairing itself in the normal way can cause death of the tissue in the jawbone, and eventual disintegration of the bone itself. The first symptom of ONJ is often the exposure of discolored areas of the jawbone.
The primary risk factors for ONJ are:
1) Taking bisphosphonates, in IV form or by tablet, for a long period of time;
2) Using steroids with bisphosphonates;
3) A previous history of cancer, osteoporosis, or Paget’s disease;
4) Dental procedures such as extractions or dental implants.
Suffered harm from Fosamax? You may have a lawsuit. Click here, for a top rated law firm to evaluate your legal rights.
People who take bisphosphonates intravenously as part of chemotherapy for cancer treatment are more likely to develop ONJ, at least in the short term. The damage from ONJ in those situations is usually so severe that the bone doesn’t recover. People who take bisphosphonates orally in products like Fosamax develop ONJ less frequently, though long-term use Fosamax may result in higher rates. When ONJ develops from the bisphosphonates taken orally can sometimes be treated and reversed. It’s important to be aware of ONJ as a possible Fosamax side effect.
You should always inform your dentist if you have taken bisphosphonates in any form, particularly if you need to have an invasive treatment like an extraction. It may be best to stop taking bisphosphonates before having those procedures. You should discuss this with your dentist. It’s also important to practice very careful oral hygiene, see your dentist regularly, and get help immediately if you have pain or any difficulty with your jawbone.
Check out the following articles for more information about Fosamax, filing a Fosamax lawsuit and finding a Fosamax attorney.
For more information about Fosamax, see Drug Overview: Fosamax Side Effects and Claims
To find out more about the FDA warning, see Fosamax Side Effects and Risks
For more information about Fosamax updates, see Fosamax Information and Warnings
If you would like to learn more about Fosamax lawsuits, see Fosamax Lawsuits, Litigation & Lawyers
To learn more about Fosamax attorneys and how to find one, see Hiring a Fosamax Attorney and Lawyer
Suffered harm from Fosamax? You may have a lawsuit. Click here, for a top rated law firm to evaluate your legal rights.

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Be the first to comment - What do you think?  Posted by admin - June 20, 2009 at 10:23 pm

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What is credit insurance?

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What is credit insurance?

Credit insurance comes in several different forms:

Credit life insurance – the outstanding balance is paid in the event of your death.

Credit accident and health insurance – monthly credit payments are made for you during periods when you are unable to work due to accident or illness.

Credit unemployment insurance – monthly credit payments are made for you during periods when you are unemployed.

Credit insurance is a form of insurance where you are the purchaser and the lender is the beneficiary. The payments will be made directly to the lender. Though lenders sometimes offer or forward offers of credit insurance, your acceptance or rejection of credit insurance normally is not used as a factor in deciding whether to extend credit to you.

If the lender required credit insurance, the premium charged for the insurance must be included in the disclosure of the APR. In deciding whether to purchase credit insurance, consider other available forms of insurance (such as term life insurance or disability insurance) and the cost of such insurance. The credit insurance offered through your lender may not be the best deal.

(Reviewed 11.3.08)

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Drug Overview: Fosamax Side Effects and Claims

Fosamax Drug Toxic Chemicals

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Drug Overview: Fosamax Side Effects and Claims

Fosamax (also Fosamax Plus D), generic alenronate sodium, is manufactured by Merck. It was approved by the FDA (Food and Drug Administration) in 1995 for the treatment of post-menopausal and steroid-induced osteoporosis and Paget’s disease. Osteoporosis is a condition that can lead to bone loss and increased risks of fractures. In Paget’s disease, bone grows back soft when it is repaired and can result in deformity.
The Fosamax claim is that it increases bone density. Fosamax has been a huge success for Merck, with sales of $2.5 billion in 2003 and $3.2 billion in 2005 (with 22 million prescriptions in the United States).
Fosamax is one of a group of drugs called bisphosphonates that are used in tablet form to treat osteoporosis and Paget’s disease, and intravenously to treat the effects of cancer in bone tissue. Recent studies have linked the use of bisphosphonates with Osteonecrosis of the Jaw(ONJ), which is also called Dead Jaw, Jaw Necrosis, and Bis-Phossy Jaw. See Fosamax Information and Warnings for more information about ONJ as a Fosamax side effect.
Suffered harm from Fosamax? You may have a lawsuit. Click here, for a top rated law firm to evaluate your legal rights.
Check out the following articles for more information about Fosamax, filing a Fosamax lawsuit and finding a Fosamax attorney.
For more information about Fosamax side effects, see Fosamax Side Effects – Osteonecrosis of the Jaw (ONJ)
To find out more about the FDA warning, see Fosamax Side Effects and Risks
For more information about Fosamax updates, see Fosamax Information and Warnings
If you would like to learn more about Fosamax lawsuits, see Fosamax Lawsuits, Litigation & Lawyers
To learn more about Fosamax attorneys and how to find one, see Hiring a Fosamax Attorney and Lawyer
Suffered harm from Fosamax? You may have a lawsuit. Click here, for a top rated law firm to evaluate your legal rights.

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Be the first to comment - What do you think?  Posted by admin - June 19, 2009 at 9:23 pm

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What is a secured credit card?

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What is a secured credit card?

Some people have a poor credit record because they have not paid outstanding debts in the past or because they have recently filed for bankruptcy. People with poor credit records are generally unable to get any credit at all, or if credit is extended, the finance charge is the high and comes with an “application fee” to obtain the credit.

Some lenders have begun to offer secured credit cards to those who have bad marks on their credit record. Under a secured credit arrangement, the debtor places funds on deposit with the bank or other financial institution. The lender then allows the debtor to make credit card purchases from 90% to 150% of the amount placed on deposit – depending upon the individual circumstances. This arrangement enables people with poor credit records to have the convenience of having a credit card, while assuring the lender that there is a source of money from which the obligation will be paid.

Unfortunately, some of the secured credit card offers are scams. Visit the Federal Trade Commission’s website for more information. If you are using a secured credit card in order to create a good credit history, you need to make sure that credit card company reports to a credit reporting bureau. Not all of them do, and if yours does not, you will waste your effort.

(Reviewed 11.3.08)

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Be the first to comment - What do you think?  Posted by admin - at 4:03 pm

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Fosamax Trials Set

Fosamax Trials Set Drug Toxic Chemicals

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Fosamax Trials Set

Three early trials regarding Merck & Company’s osteoporosis drug, Fosamax, have been set for trial. Fosamax users have been diagnosed with osteonecrosis of the jaw, an irreversible and painful condition that destroys bone tissue and hundreds of lawsuits have been filed against the pharmaceutical giant.
Over 600 lawsuits filed
Fosamax has been linked to hundreds of injuries across the nation and more than 600 lawsuits have already been filed against Merck & Company, the drug’s manufacturer. The lawsuits have been consolidated into a multi-district litigation and are centralized in the U.S. District Court for the Southern District of New York. Three early trials have been set with the first one beginning in August 2009, the second in October 2009 and the third in January 2010. The three cases will be heard by juries and will help to identify the relevant issues concerning all the pending cases. Legal experts say that more lawsuits continue to be filed by women who have been injured by the drug.
What is Fosamax?
Approved by the U.S. Food and Drug Administration (FDA) in 1995, Fosamax is manufactured by Merck & Company and is prescribed to treat postmenopausal osteoporosis. However, since that time, it has been linked to a deterioration of the jaw bone, known as osteonecrosis, and the FDA required an additional warning to be placed on the label in 2005. It has also been linked to increased rates of irregular heartbeats, or atrial fibrillation, according to the New England Journal of Medicine.
Generic versions approved
Earlier in 2008, the FDA approved generic versions of Fosamax which are now manufactured by Teva Pharmaceuticals USA of Pennsylvania and Barr Laboratories Inc. of New Jersey. The success of these generic equivalents will likely be dependant upon how the hundreds of lawsuits against Merck & Company are resolved.
If you’ve been injured due to Fosamax or any other drug, contact an experienced Fosamax attorney whose practice focuses in this area of law to discuss your situation. Consultations are free, without obligation and strictly confidential.

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Be the first to comment - What do you think?  Posted by admin - June 18, 2009 at 8:23 pm

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What can I do if a credit report has incorrect information about me?

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What can I do if a credit report has incorrect information about me?

If you believe information being reported about you is inaccurate, incomplete or outdated, challenge it by notifying the credit reporting bureau. Once placed on notice that you dispute the report, the credit reporting bureau must verify the facts within a reasonable period of time or delete that information from the report. If the dispute is not resolved to your satisfaction, you are allowed to have a statement (up to one hundred words) included in your file and in any future reports.

Read a Federal Trade Commission report (September, 2008) on How to Dispute Credit Errors.

(Reviewed 10.31.2008)

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Be the first to comment - What do you think?  Posted by admin - at 3:03 pm

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Fosamax Linked To Femoral Bone Fractures

Fosamax Linked To Femoral Bone Factures Drug Toxic Chemicals

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Fosamax Linked To Femoral Bone Fractures

Fosamax, Merck’s prescription drug that treats postmenopausal osteoporosis, has been linked to bone fractures by yet another study – leaving patients to question whether the benefits of the drug outweigh its risks.
Cornell University study
Doctors at the Weill Medical College of Cornell University concluded that long term use of Fosamax, also known as bisphosphonate alendronate, increased patients’ risks of femoral fractures – the femur being the large bone that connects the knee to the hip. As part of the study, published in the Journal of Orthopedic Trauma, they looked at 70 patients with an average age of 75 who had femoral fractures that were taking the drug and found an unusual pattern of fractures for those patients who had been taking the drug for five or more years. The research team advised that doctors prescribing the drug should monitor patients’ bone regeneration until further studies can be completed.
Other issues
This is not the first study to link Fosamax to bone issues. The drug, which is supposed to benefit a person’s bones, seems to be doing just the opposite in many of the patients that take it. Approved in 1999, the drug has since been linked to a deterioration of the jaw bone, known as osteonecrosis, and required an additional warning to be placed on the label in 2005. It has also been linked to increased rates of irregular heartbeats, or atrial fibrillation, according to the New England Journal of Medicine. Legal experts say that over 100 lawsuits have already been filed against Merck over Fosamax.
Merck has said that it plans to conduct additional studies on how Fosamax relates to bone fractures and deterioration, but many patients feel as though the company, or the U.S. Food & Drug Administration, should have conducted these studies before the product was put into the marketplace.
If you’ve been injured due to Fosamax or any other drug, contact an attorney whose practice focuses in this area of law to discuss your situation. Consultations are free, without obligation and strictly confidential. To contact a qualified attorney, please click here. We may be able to help.

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Be the first to comment - What do you think?  Posted by admin - June 17, 2009 at 7:23 pm

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What is the Equal Credit Opportunity Act?

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What is the Equal Credit Opportunity Act?

The Equal Credit Opportunity Act (ECOA) is federal law that prohibits creditors from certain forms of discrimination. Age (as long as you are old enough to enter into a legally binding contract), race, color, national origin, gender, marital status, religion, or receipt of public aid may not be used to:

Discourage or prevent you from applying for credit,
Refuse you credit which you otherwise qualify for,
Give you less credit, or credit on terms different from those who have similar credit risks (permissible risk factors include ability to pay, credit record, stability and assets owned)
Deny you credit because you exercised your rights under federal laws such as the Consumer Credit Protection Act, the Fair Credit Billing Act, or the Fair Credit Reporting Act.

A lender is allowed to use a statistically sound scoring system that is derived from empirical data as long as being 62 years or older is not assigned a negative value in the scoring system.

Under ECOA, a creditor is required to notify you within 30 days after you have completed your credit application whether your application has been approved or denied. If credit is denied, the reasons for the declination must be provided or you must be told how to obtain such information.

Violation of ECOA may be redressed by filing a federal lawsuit for the actual damages you have suffered plus punitive damages of up to $10,000.

(Reviewed 10.31.2008)

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Fosamax: Did Merck Downplay the Drug’s Risks?

Fosamax Did Merckdownplay Dangers Defective Products

Fosamax: Did Merck Downplay the Drug’s Risks?

When you see an advertisement for a drug on television or in a magazine, it often claims that the drug is the next best thing since sliced bread – and often has a doctor’s recommendation attached to it. Unfortunately for consumers, those claims and recommendations are sometimes nothing more than marketing ploys. Pharmaceutical giant, Merck & Company, was accused of deceptive marketing practices in connection with its now defunct drug, Vioxx, and agreed to stop those practices as part of a recent settlement. Consumers now wonder whether the company also downplayed the risks associated with its osteoporosis drug Fosamax.
Deceptive marketing practices
After it was discovered that Merck was ghostwriting many of the statements used in marketing materials that should have come from doctors, it was banned from deceptive marketing practices as part of its Vioxx settlement. The pharmaceutical giant is finding itself in similar situations with other drugs such as Vytorin – its cholesterol drug that was supposed to be far better than others, but has been shown to be no better than generics.
Legal experts say that Merck may have also downplayed the risks of Fosamax (alendronate) as well – with big payoffs. According to a study published by the U.S. Food and Drug Administration (FDA) in 2004, Fosamax was the most commonly dispensed bisphosphonate in the U.S. from 2001-2004 and the total number of prescriptions written in 2004 topped 22 million. Unfortunately, it’s only now that additional information is being discovered about the drug’s dangerous side effects.
Fosamax lawsuits
Legal experts say that over 100 lawsuits have already been filed against Merck over Fosamax. The drug has been linked to a deterioration of the jaw bone known as osteonecrosis and required an additional warning to be placed on the label in 2005. It has also been linked to increased rates of irregular heartbeats, or atrial fibrillation, according to the New England Journal of Medicine.
If you’ve been injured due to Fosamax or any other drug, contact an attorney whose practice focuses in this area of law to discuss your situation. Consultations are free, without obligation and strictly confidential. To contact a qualified attorney, please click here. We may be able to help.

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Be the first to comment - What do you think?  Posted by admin - June 16, 2009 at 6:23 pm

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What is the Truth in Lending Act?

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What is the Truth in Lending Act?

The Truth in Lending Act is federal law that regulates the credit market and sets minimum standards for the information that a creditor must provide in an installment credit contract. These include the sum being financed, the amount of the required minimum monthly payment, the total number of monthly payments, and the APR. The Act also specifies how the disclosures have to be made in written materials, such as separated in bold print or set off in a box.

The Act has several other provisions. It prohibits credit card companies from issuing cards to people who haven’t applied for them, though the companies can send unsolicited credit application. It limits the amount the cardholder can be charged for unauthorized use of a credit card, and it regulates the advertising of credit by requiring disclosure of specified information. These disclosure requirements enable you to make accurate comparisons of credit offers.

(Reviewed 10.31.2008)

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