Among the most severe forms of acne that exist today, and which needs medical attention, is Cystic acne. This form of severe acne is characterized by nodules that form under the skin. With time, these nodules become harden and finally turn into painful cysts. Because of its severity, Cystic acne requires medical attention, and unfortunately, it usually affects its victims for a pretty long period of time.
Treating Cystic Acne With Accutane - Advantages
There are a few treatments for Cystic acne that have been reported to give some positive results. And one of these treatments is called "Accutane". This is a drug which is taken orally and usually taken once or twice a day for 16 to 20 weeks. Accutane is believed to reduce (just a little bit) the size of the oil glands so that less oil is produced. This has the effect of reducing the chance of pores to clog because the body is not producing as much oil. As a result, the formation of pimples and cysts is reduced and the pre-existing ones are not further irritated.
In addition, Accutane serves other purposes as well. For instance, it also helps to reduce cell shedding and the stickiness in the follicles, which helps prevent the development of this painful type of acne. Accutane has also been effective in helping prevent extensive scarring in many patients. In fact, many of those who have tried this medication for the 20 weeks period as recommended have had their acne reduced or, in some cases, almost completely disappeared. The downside to this is that when patients stop taking Accutane, their acne often returns, making it necessary to begin taking it once again.
Treating Cystic Acne With Accutane - Disadvantages
Although Accutane can work for some patients, it is not a perfect medication. Unfortunately, there are several disadvantages involved when taking Accutane. It is very important to take into consideration these disadvantages before making the decision to take this drug.
Among the different adverse effects linked to Accutane are the following: muscle aches, inflammation of the lip, itching, inflammation of the mucous membrane on the eyes, and dry mouth, nose, or skin. More serious side effects include decreased levels of blood cholesterol, lipid, and triglyceride levels, and abnormal liver enzymes. Since this drug can produce such side effects, patients are usually monitored by a physician to make sure these side effects don't occur. And in the case they do occur, they are recommended to stop its usage as soon as possible. Fortunately, for most Cystic acne sufferers these side effects don't last too long. They generally disappear after the taking of Accutane has been stopped. Nevertheless, if you aren't lucky and these side effects don't go away, it is vital that you tell your doctor immediately.
In addition to the above side effects caused by Accutane, there's one which is even worst. The most serious adverse effect of this drug is that it can cause serious birth defects. Women who are taking this drug are advised to take a pregnancy test each month to be sure the drug is stopped should they become pregnant. There are other rules that women should follow pertaining to this drug therapy and having children, so it is important to consult a physician about this drug and its possible effects in women.
As one of the most painful types of acne known today, Cystic acne has also become one of the most difficult forms of acne to cure. And the most recommended advice is to consult a professional physician who can propose a treatment that works for you and lets you know about its possible side effects.
Once a pending foreclosure becomes a matter of public record, distressed homeowners are flooded with letters and phone calls from attorneys, short sale negotiators and mortgage mitigators, all claiming to have the power to "save their home" or offer the best possible solution. Some are good companies with good intentions. But, beware; many are unscrupulous predators out to take advantage and make things much worse. They also charge extraordinary fees ranging from $2500 to as much as $5000. A reasonable fee should not exceed $2000 in most cases. Before deciding to walk away, distressed homeowners should examine their other options. The first option to examine is whether a refinancing of the mortgage is possible. Unfortunately, many people owe more than their home is worth and therefore can't qualify. Lending guidelines are also much tighter now in 2009 than they were just a year ago due to the credit crisis. The second option I recommend is to see if a Loan Modification is possible. This actually can have better results and cost less than refinancing...but there are some conditions. The first is that there must be a documented hardship. The next consideration is whether there is adequate income to support the modified payment. Each lender has their own guidelines, but these are the 2 main ones. The modification can often lower the interest rate by 3% or even more which is why I said it can actually be better than a refinance. Also, there are usually no lender costs to do a modification. On the other hand, a refinance can often have closing costs of $3000 or even more! If the borrower cannot qualify to refinance or modify their loan, then selling the property would be the next option to examine. If there is equity, you should not be walking away. Sell the home and keep that equity...you will need it. Many people, however, are "upside-down" or "underwater" which are terms that mean the property is not worth what is owed on it. If the amount is relatively small, you can write a check for the difference. It would be better than having a foreclosure on your record, even if you have to borrow the money to do it. If you owe more than the property is worth and you don't have the money to pay the difference, then a short-sale may be best. A short sale simply means that the lender(s) agree to accept less than what is owed. They release their lien and the sale can be completed. This sounds easy, but it isn't. Most short-sale attempts never close. The process normally takes an average of 3-4 months to complete. In many cases the Buyer backs out because they get tired of waiting and find an even better deal. An important consideration is whether the lender will agee to forgive the deficiency. Most mortgages allow the lender to pursue the borrower for any loss incurred. This typically includes all of the foreclosure costs. Examples are: attorney fees, court costs, taxes, insurance, maintenance costs, Realtor commissions, and closing costs. This can add up to $20000 or more! A professional Foreclosure Assistance Company can often negotiate with the lender so that the deficiency is forgiven. An important consideration that many people are unaware of concerns Income Tax liability. Any amount "forgiven" by a lender is normally treated as income by the IRS. The borrower will be required to pay tax on the forgiven amount at the taxpayer's highest tax rate. For example: If the amount "forgiven" is $100,000 and the borrower is in a 25% tax bracket, they will owe $25,000 in additional income tax! But...there is some good news that you need to know. The IRS has temporarily suspended this tax liability for "forgiven" debt through the end of 2009. It may or may not be extended for 2010...stay tuned. If none of the above options is workable, then maybe the best thing to do is just walk away. The decision of what to do is and how to do it is one of the most important decisions a person can make. There are many potential pitfalls that can cost many thousands of dollars for the unexperienced. There is nothing that says you cannot make these decisions alone, but it can be very costly if any mistakes are made. Hiring an expert to advise you and walk you through the process is usually a good investment, as long as you use a reputable company. Think of it this way: Suppose you have an important legal issue with a lot of money at stake. You can elect to represent yourself in court without an attorney if you choose, but it could easily end up costing you far more in the end than if you hired a qualified attorney. Most people agree that O.J. Simpson was guilty, but he won his murder case because he hired great lawyers. Do you think he would have had the same results if he had chosen to represent himself? This article was written by David Smith (734-756-6050), Author and President of the U-Move-On Company. David provides Expert Loan Modifications and Foreclosure Solutions for distressed homeowners with a unique program that offers the support and encouragement his clients need to cope with foreclosure.
Both Rotce H. & Dsmith are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.