Olabode Samson (Sam) Osedimilehin, MBBS

Your concern  of difficulty in loosing the knee area fat despite adequate exercise is quite common. 

Spot treatment with Coolsculpting combined with shock wave body contouring like Zimmer Z wave will assist in treating the stubborn fat .though this is based on my personal experience. 

Kindly contact your local aesthetic physician for further examination and other treatment options.

Either Coolsculpting or Kybella could help in reducing the neck adipose tissue and improve in contouring. 

In my experience,  Coolsculpting provides better outcome with less discomfort though cost could be an issue as the number of applicator - cool mini, needed would be determined during examination..

You can approach your local cosmetic physician with experience in both treatments for further advice.