-Grants For You Now and its affiliates and principals operated Web sites such as grantsforyounow.com, grantoneday.org, and easygrantaccess.com that deceived consumers by promising them free government grant money to use for personal expenses or to pay off debt. According to the FTC complaint, after obtaining consumers’ credit or debit account information to process a $1.99 fee for grant information, the defendants failed to adequately disclose that consumers would be enrolled in a membership program that cost as much as $94.89 a month. Some consumers also were charged a one-time fee of $19.12 for a third-party “Google Profit” program. All the defendants’ Web sites falsely offered a “100% No Hassle Money Back Guarantee

-Cash Grant Institute and its principals allegedly waged an automated robocall campaign promoting bogus claims that consumers were qualified for grant money from the government, private foundations, and wealthy individuals that they could use to overcome their financial problems. They made similar misleading claims about "free grant money" on their Web sites, cashgrantsearch.com and requestagrant.com.

-Mutual Consolidated Savings, its affiliates, and principals used telemarketing robocalls and the Internet to push a phony “Rapid Debt Reduction” program to consumers in the United States and Canada, according to the FTC complaint. The defendants allegedly convinced consumers to pay them $690 to $899 for the program by misrepresenting that the program would reduce credit card interest rates, save thousands of dollars and enable consumers to pay off their debt three to five times faster than they could under their current payment schedule. The defendants also failed to make good on promises that they would refund the fees paid if consumers’ credit card interest rates were not reduced.

-Google Money Tree, its principals, and related entities allegedly misrepresented that they were affiliated with Google and lured consumers into divulging their financial account information by advertising a low-cost kit that they said would enable consumers to earn $100,000 in six months. They then failed to adequately disclose that the fee for the kit would trigger monthly charges of $72.21, the FTC complaint states.

-Penbrook Productions, run by Michael Allen Brooks, promoted a work-at-home scheme online that used spokesperson “Angela Penbrook,” and charged $197 for the opportunity to become a “certified” rebate processor, earning as much as $225 per hour. According to the FTC complaint, after purchasing, consumers discovered that the work-at-home “opportunity” had nothing to do with processing rebates, but merely instructed the consumers about becoming an affiliate marketer. Despite Penbrook’s “100% Ironclad, 3-month ‘Make Money Or It’s Free,’ Triple Satisfaction Guarantee,” consumers then found that they could not get a refund. The defendants thus misrepresented that consumers would be hired as rebate processors, made false earnings claims, and misrepresented the refund guarantee.