Not all MLM companies are pyramid schemes — but many are universally reviled by both the people who work for them and the potential customers who are sick of constantly being pestered by friends to buy the products. Ahead, discover the most hated multi-level marking companies today — including the one with a billion dollar lawsuit pending (number 7).
In a similar fashion, when you eliminate money from the network marketing industry, a new perspective emerges.  Personally speaking, I love talking with people who are in this industry because they are always reading, posting, and sharing something inspirational.  They have goals, a dream board, and are generally using the products that they are selling to improve the way they look and feel.
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FLP may not be the wealthiest MLM on this list, but they deserve a spot because of their long-term dedication to the aloe vera plant and products made from it. Few MLMs display such product dedication and integrity as FLP. And few MLM’s have such a concentrated niche. That screams longevity over the other hundreds of other “full service wellness” companies.
Looking compliant is easy. Building a CULTURE around compliance is hard. Building a culture requires doing more than paying lip service to compliance. It requires full buy-in at the corporate level to teach and enforce the important policies. It requires field leaders committed to responsible growth, and corporate leaders that avoid saying things like “the lawyers make us do this.” And finally, it requires constant investment.
I totally agree, Mary. You can lose soooo much more just by opening up a small storefront business. I was in the Spa Industry and then the economy tanked in late 2008. I did not renew my lease in 2009. Lost my several hundred thousand dollar build-out. Lost so much more than taking an MLM business seriously. Even if I would have front loaded on a ton of product, I still would have been better off. People spend $750 and get some business cards then do nothing and blame MLM.
These brothers from Israel changed the minds of the entrepreneurs behind the company, Seacret Direct, when they managed to take the typical start up business from the kiosk (you know those booths in the mall) to the beyond and turned it into a global direct selling company worth millions of dollars.  These skincare product companies are pretty boring these days, but the company’s dead sea products originate with a 5,000-year-old history and a huge fan following.
Nevertheless, misconceptions and myths persist. Don’t let these false beliefs stop you from considering a network marketing business. You can achieve success in a network marketing venture if avoid common MLM mistakes, gain a solid understanding of the industry, choose a company carefully, find a quality sponsor, and commit time and effort to your business. 

It all sounds good on paper, yet there is a seemingly endless debate over whether these companies and programs are legitimate business opportunities or not, so I dug in and got the real scoop.  As a result, I believe that the entire industry is poised for explosive growth and can be one of the most significant solutions to America’s current retirement savings crisis.
The reality is there’s nothing special about the stuff MLM companies sell. You can find whey protein and meal replacement shakes at your local CVS or online. You can buy essential oils at Whole Foods and Amazon. Your wife can buy quality make-up and skincare products at Ulta, Walgreens, or online. You can get pretty much anything an MLM sells and often for much cheaper, even when your MLM distributor discount is factored in (see the next section). There’s nothing significantly different about MLM products besides the marketing and branding.
Direct selling method in which independent-agents serve as distributors of goods and services, and are encouraged to build and manage their own sales force by recruiting and training other independent agents. In this method, commission is earned on the agent's own sales revenue, as well as on the sales revenue of the sales-force recruited by the agent and his or her recruits (called downline). Also called multilevel marketing (MLM), cellular marketing, or by other such names, it is a multi-billion dollar worldwide industry that distributes practically any portable item, although restricted or banned in several countries due to its history as a vehicle for consumer fraud.
Hi JP. Good stuff all the way around, my man. Hey, I’ve been approached by Ariix, & didn’t know if have heard of them, and if so, a simple 👍 or 👎 will suffice, unless you’d like to elaborate, of course. One obvious concern I have is that (& can disclose this, since it’s of public record/knowledge per the list above), the current leadership in place at Ariix all came from USANA, and given the FBI/SEC became involved with USANA in ‘07, & Ariix opened in ‘11, well….I think you know from where I’m coming as it relates to anything you may be able to convey. Thx again, JP, for all of your efforts, & if you’d feel more comfortable in emailing me, obviously that would be perfectly fine! And apologies on this extremely verbose message!😳
You may remember Rodan + Fields in their former iteration when they sold acne medicine via infomercial. Or when Estee Lauder bought the brand and sold the products in stores. Now they tempt stay-at-home moms with promises of lucrative, flexible careers, free vacations, and six-figure incomes. All they need to do is sell some upscale skin care products via direct sales.
Meet Adam Green Million-dollar earner, author, and speaker, Adam Green reached the top of his company's compensation plan by age 25, becoming the youngest million-dollar earner in his company's history. As a highly sought after international speaker in the Network Marketing Profession, Adam is able to provide inspiration and motivation for all ...…
Eric Worre sits down with Gloria Mayfield Banks and talks about the “it” factor. Gloria shares her view on what the defining characteristics are of the high achievers. What does it take for a person to excel in Network Marketing? Gloria shares that it’s not your personality. She’s seen all types of personalities at the top of the game. It’s abo ...…
The main sales pitch of MLM companies to their participants and prospective participants is not the MLM company's products or services. The products/services are largely peripheral to the MLM model. Rather, the true sales pitch and emphasis is on a confidence given to participants of potential financial independence through participation in the MLM, luring with phrases like "the lifestyle you deserve" or "independent distributor."[16] Erik German's memoir My Father's Dream documents the real life failures of German's father as he is lured into "get-rich-quick" schemes such as Amway.[17] The memoir illustrates the multi-level marketing sales principle known as "selling the dream".[18]
This eco-friendly MLM is seriously committed: their headquarters are operated with wind power. They’re pretty future-facing in general, having implemented an innovative social marketing strategy amongst their reps. No one likes to be harassed on Facebook, but Modere’s social media plan is still 10 times more effective than holding home parties (kill me).
But MLMs can get away with this because of the second big difference between a traditional franchise and an MLM “franchise”: In a traditional franchise, the end customer is the consumer, whereas again, the primary way you make money in an MLM is by recruiting other sales people and making commissions off the product they’re required to purchase from the parent company

Something multi-level marketing as well as network marketing companies are poised to capitalize on.  As a result, the industry could soon experience larger than life growth, spurred by baby boomers looking to adjust their retirement feelings and plans.  Whether you're interested in starting your own business for retirement income or helping others explore this entrepreneurial path, download our free guide:  How To Start a Business For Retirement Income here
"Multilevel marketing companies are defined by their business model," Janet Lamwatthananon, career advisor for ZipRecruiter, an online employment marketplace, wrote in an email. "Rather than having a traditional storefront or a website, MLMs sell their goods through consultants who are paid on commission. One way to think about MLMs is as collections of small businesses sharing a name and product line."
Well I have just come across this and am blown away with the amount of health and wellness companies there are. I am a user and 1000% BELIEVER in THRIVE by Le-Vel. Been promoting now for 18 months and will never go a day without it! I did my due diligence and searched on a majority of the companies and I looked for social media presence of the company along with the CEO’S of the companies. I restore older vehicles for a living and I thank Thrive for coming into my life when it did cause it is hard to explain and can only be experienced. Have a wonderful President’s Day everyone! #BoostMyThrive
Meet Kim Kiyosaki Entrepreneur, investor, and speaker Kim Kiyosaki is the author of Rich Woman: A Book on Investing for Women – Because I Hate Being Told What to Do. She is a champion of women and female-preneurs and, along with her husband Robert Kiyosaki, helps people take control of their finances, escape from the rate race, and move towards ...…
Amway’s outsize political influence goes back to 1979, when the FTC lost its pyramid case against Amway. After four years of litigation, an administrative law judge found that Amway did not run an “illegal” pyramid scheme because it had safeguards to protect against the reliance on recruitment. These included requiring its distributors to sell 70 percent of their inventory each month and to sell to at least 10 different customers per month.
In a credible Network Marketing company with a well structured compensation plan, there is no such thing as being overpaid OR underpaid. Participants get paid in direct proportion to what they produce in terms of product sales to customers, creation of a network of people doing the same thing, and leadership development. As a Network Marketing Professional with a credible company you get paid exactly what you’re worth – no more, no less.
I’m very surprised at the rankings. In full disclosure I am partnered with Isagenix International and we happen to be ranked #22 globally by DSN in only our 15th year. We do $1B/year in sales and are breaking records every day with an annual growth rate of 30%+ annually. Some of the “top 10” are nowhere near these stats. We have also won 45 Stevie Awards, 10 years straight on the Inc. 5000 list, and more. I think all of these companies are great and doing great things but I question the criteria for what makes them tops!
As people get to retirement age, most realise they are not prepared. Many have little-to-no savings or investments, and routinely assume that they will just live on Social Security or some other government retirement plan. The problem in relying on this is that no one ever contemplated that MOST people would live into their 80’s or even beyond. An amazing statistic to consider is that if you make it to 25 years of age, your average life expectancy is 85. And this life span will only continue to extend further over time, further exacerbating the problem. 
Meet Jack Canfield Global thought leader, motivational speaker, corporate trainer, and entrepreneur, Jack Canfield is the originator of the Chicken Soup for the Soulseries and is the co-author of The Success Principles: How to Get From Where You Are to Where You Want to Be. Affectionately known as “America’s #1 Success Coach,” Jack has studied ...…
But please do a little research before you blanket insult an entire industry or business model. I am a single mother with a 6 figure income because of MLM, nearly twice that when I’m actively working my business with both of the companies I represent, and while not everyone has the skill set to succeed in this business, the potential is certainly there, for those that do.

They may have professional athletes like Drew Brees promoting their products, but that doesn’t mean you should believe all of AdvoCare’s claims. This MLM company sells shakes, supplements, and pills. In order to succeed with AdvoCare, as with others, you need to recruit more people to sell the same products. Constantly hitting up your family and friends to buy stuff from you can cause some tense relationships.
An analysis of 32 income disclosure statements from direct selling companies by TruthInAdvertising.org found that 80 percent of distributors, or people selling their products, grossed less than $1,200 per year before expenses. At about half of those companies, the majority of distributors made no money at all. "Given that context, any income claim that expressly states or implies that this is a way for someone to gain financial freedom, to become wealthy, travel the world, become a stay-at-home parent is just false and deceptive," says Bonnie Patten, executive director for TruthInAdvertising.org.

It seems to me that in your assessment of the top 25 MLM that you had a preference for one essential oil company (Young Living) over the other (doTERRA) which outranked YL. You give a glowing review of YL and state that they “set the standard” & are a “solid pick”. While you seem to question why people could possibly like doTERRA with comments like “Users swear by the oils, and for whatever reason, people (and not just people in Utah) are strangely passionate about telling their friends about them.” For “whatever reason”??? “Strangely passionate”??? You come across as bias. You also incorrectly state that YL set the standard for quality, while they may have been the first legit EO Co. they didn’t set the standard. Infact their lack of wanting to find the purest most potent EO available (which comes from the country the plants are indigenous to) and having strict testing to ensure the purity and potency is why doTERRA was founded, doTERRA set the standard because YL didn’t want to. And that is why doTERRA is the #1 EO company and why Young Living is not. Not to mention how well doTERRA takes care of the suppliers through Co-Impacting and how they’re improving their lives through The Healing Hands Foundation. The foundation builds wells, schools, provides personal care products as well as many other things. doTERRA is changing lives for the better all around the world so that is one of the “reasons” we’re “strangely passionate” about spreading the good news of doTERRA essential oils. Not only are doTERRA EO more potent and purer making the the “solid pick” they are literally saving peoples lives.


Meet Jim Rohn For more than 40 years, Jim Rohn helped people around the world sculpt life strategies that expanded their imagination of what is possible. Those who had the privilege of hearing him speak can attest to the elegance and common sense of his material, which is why he is still widely regarded as one of the most influential thinkers o ...…
Keeping with the trend I have here, yes this is another MLM company operating under the nutritional niche; and it comes to us from Utah.  They have a specific product that’s help made them well-known: seed nutrition and the “black cumin seed,” which evidently is very potent for helping fight cancer cells and encourages anti-oxidant benefits, among other things.
In April 2006, the FTC proposed a Business Opportunity Rule intended to require all sellers of business opportunities—including MLMs—to provide enough information to enable prospective buyers/participants to make an informed decision about acquiring/joining a business venture with information disclosed about the average likelihood of monetary profitability (and the extent of monetary profitability, if any) of acquiring/joining the business venture. In March 2008, however, the FTC removed "Network Marketing" (i.e. MLM) companies from the proposed Business Opportunity Rule, thus leaving MLM participants without the ability to make an informed choice of entering or not entering MLMs based on the disclosed likelihood of success and profitability:
There’s not necessarily a single answer to this question because your earnings depend largely on one important factor: you. If you’re willing to put in the work, and you are working with an MLM that fits your interests and passion, you’ll probably find yourself earning a pretty penny. However, if you choose an MLM that has a mission and products that you don’t have interest in, then your chances for success are far lower.

The company is currently facing a class action lawsuit regarding the unfair marketing of their Lash Boost eye serum. The $150 product was apparently sold without proper disclaimers for side effects, which could include “change(s) in iris color, eyelid drooping, itchy eyes, eye/lid discoloration, thinning and loss of eyelashes/loss of eyelash hair, eye sensitivity, eye infections, and vision impairment.”
Fast-forward a few years to today and history has proven Robert's prediction to be absolutely correct - Network Marketing has absolutely been on an upward trajectory over the past few years, in terms of numbers of people involved, sales turnover generated, and standards & professionalism in the industry. The companies, products, regulations, people and overall integrity within the Network Marketing industry have all advanced, and much as the franchising industry evolved from early shady practices to where today half of every high street or shopping mall comprises franchised businesses that are accepted and trusted by all, so it is that more and more people are coming around to seeing Network Marketing as a credible business model that they can utilise to achieve their various goals in life.

Fast-forward a few years to today and history has proven Robert's prediction to be absolutely correct - Network Marketing has absolutely been on an upward trajectory over the past few years, in terms of numbers of people involved, sales turnover generated, and standards & professionalism in the industry. The companies, products, regulations, people and overall integrity within the Network Marketing industry have all advanced, and much as the franchising industry evolved from early shady practices to where today half of every high street or shopping mall comprises franchised businesses that are accepted and trusted by all, so it is that more and more people are coming around to seeing Network Marketing as a credible business model that they can utilise to achieve their various goals in life.
I’m surprised Rodan and Fields didn’t make the list, considering they are the fourth largest premium skin care company with the top three being 50+year old companies, Estée Lauder, Lancôme & Clinique. We are North America’s 4th largest and fastest growing premium skincare company, but we’re not in stores, the top 3 — Clinique, Lancôme and Estée Lauder.
But the FTC’s newfound toughness may come to naught in the Trump era. There’s little hope, according to both critics and cheerleaders of the MLM industry, that the Trump administration will assume such a strict posture toward Herbalife’s peers. “The more likely scenario is that they just won’t bring a pyramid scheme case,” said Bonnie Patten, executive director of Truth in Advertising, a consumer advocacy group that helped the FTC in its prosecution of Vemma, a nutritional-product MLM that the FTC alleged was a pyramid scheme in August 2015. The case was settled in December on terms similar to the Herbalife one. (Neither Vemma nor Herbalife admitted guilt in their settlements.)
USANA Health Sciences is a powerhouse in health supplementation. I personally love the focus on cellular nutrition and their high level of manufacturing practices. Considering they have 1000+ olympic and elite athletes who use their products, rated number 1 nutritional product in the world for over a decade. The products have blessed the health of my customers/clients and as USANA is about to hit the 1 billion target, it’s proving that they are a company dedicated to the health and wellbeing of everyone.
Meet Harvey Mackay Businessman, master networker, and one of the top five speakers in the world, Harvey Mackay is the author of the #1 New York Times bestsellers Swim with the Sharks Without Being Eaten Alive and Beware the Naked Man Who Offers You His Shirt – both of which are among the top 15 inspirational business books of all time according ...…
The big difference between MLM and a pyramid scheme is in the way the business operates. The entire purpose of a pyramid scheme is to get your money and then use you to recruit other suckers (ahem - distributors). The entire purpose of MLM is to move product. The theory behind MLM is that the larger the network of distributors, the more product the business will be able to sell.
MLM companies have been trying to find ways around China's prohibitions, or have been developing other methods, such as direct sales, to take their products to China through retail operations. The Direct Sales Regulations limit direct selling to cosmetics, health food, sanitary products, bodybuilding equipment and kitchen utensils. And the Regulations require Chinese or foreign companies ("FIEs") who intend to engage into direct sale business in mainland China to apply for and obtain direct selling license from the Ministry of Commerce ("MOFCOM").[63] In 2016, there are 73 companies, including domestic and foreign companies, that have obtained the direct selling license.[64] Some multi-level marketing sellers have circumvented this ban by establishing addresses and bank accounts in Hong Kong, where the practice is legal, while selling and recruiting on the mainland.[10][65]
Before launching Omnilife and becoming a billionaire, Jorge Vergara sold street tacos in Mexico, smuggled Herbalife supplements into Mexico, and sweet talked the Mexican government into changing their regulations in the nutritional products sector. This guy could make a movie about his life and it would probably win an Academy Award (he’s actually a major film producer on the side, casual).

We have grown significantly in number during this short pre launch period. But, we still have a ways to go. We are in need of and are seeking more Ambassadors to join us. We do not have Ambassadors in every state nor do we have enough Ambassadors in each state to handle the overwhelming flood of customers and new Ambassadors that will be seeking products or will want to be apart of this new Health and Detox revolution company when it officially launches and goes public.
Agree with most of your comments. Born and raised in the corporate community, we never even considered a MLM until came across one after retirement. Looking back we would have looked seriously at the industry much earlier. In any event, we had one good run until management made a few very bad decisions…killing 40 % of our business. But now we’ve found a new home with WGN. Among the many differences is they’re a technolgy company operating as a MLM…go figure.
Plexus Worlwide is ranked by Inc. magazine as #8 (in 2014) and #132 (in 2015) fastest growing privately held company with a three year growth of 2833%; all while offering a 60-day money back guarantee on all its products – which means the products work. And at a consumer friendly price point. 40% of all sales are from customers and not ambassadors.

“Utah Attorney General Sean Reyes has been a supporter of the direct selling industry for many years,” the organizers of the Direct Selling Edge Conference said in promoting his speech. “As a former business owner himself, Reyes applauds those who desire to manage their own businesses on their own terms,” which is the kind of “be your own boss” come-on MLMs make to prospective members.


The overwhelming majority of MLM participants (most sources estimated to be over 99.25% of all MLM participants) participate at either an insignificant or nil net profit.[12] Indeed, the largest proportion of participants must operate at a net loss (after expenses are deducted) so that the few individuals in the uppermost level of the MLM pyramid can derive their significant earnings—earnings which are then emphasized by the MLM company to all other participants to encourage their continued participation at a continuing financial loss.[13]


This “outlier” experience helped him to develop and grow both his own brands and increase the value of his brand partners as he was quickly becoming an influential professional skateboarder. By leveraging his influence and designing new concepts and ideas, he helped turn a rising footwear and apparel brand into a $500 million international company. He used that same expertise to build skate brands later in his career launching the world's first true professional skateboarding league Street League Skateboarding and a first of its kind skateboarding channel, ETN.
MLM restructures the traditional business model — manufacturer to retail shop to customer — such that sales agents working for the manufacturer sell directly to customers, bypassing the retail shop altogether. MLM companies can then convert customers into advocates for their products and possibly even sales agents. Because there is no retail store for the products they sell, MLM agents typically work from their homes, interacting with customers in the community or, more often, over the internet.

The interesting thing that most people miss about the major connection between retirement and network marketing is that once you strip out the financial aspects, you get a very different picture.   Since the creation of Social Security back in 1935, people have been brainwashed to think that retirement is all about money.  That a successful transition from work-life to home-life requires the right dollar amount, asset allocation, and spending plan. But that’s just not the case.  There are plenty of people with substantial amounts of money saved for retirement that are completely miserable.
Nutritional supplements are not classified as either “foods” or “drugs”. They’re not foods because you don’t eat them for sustenance (you eat them to “supplement” your existing diet). And they’re not drugs because they’re not intended to treat any condition. The FDA largely ignores the industry, which means MLMs don’t face the same harsh regulations as food or drug providers in other industries.
"Network marketing" and "multi-level marketing" (MLM) have been described by author Dominique Xardel as being synonymous, with it being a type of direct selling.[6] Some sources emphasize that multi-level marketing is merely one form of direct selling, rather than being direct selling.[23][24] Other terms that are sometimes used to describe multi-level marketing include "word-of-mouth marketing", "interactive distribution", and "relationship marketing". Critics have argued that the use of these and other different terms and "buzzwords" is an effort to distinguish multi-level marketing from illegal Ponzi schemes, chain letters, and consumer fraud scams.[25]
This is an incredible easy book to read that is filled with lots of tips and tools that can help you move from a place you may be uncomfortable to a better place. The GoPro tips will help me jump start my business as well as provide the guidance on how to get to that next level. I loved that Eric shared his successes and challenges in a fairly easy to understand and sometimes amusing way. This book is definitely worth reading if you want to become a Network Marketing Professional. My Rodan+Fields business will grow as a direct result of Eric's sage advice.

BRAND NEW COMPANY – Soft launch not even 30 days in – already breaking records for number of brand partners joining this business. First in the industry with its cutting edge technology for their all natural health and wellness products with a delivery system into the body for quick response and maximum absorption – so nothing is wasted or flushed away! Suggested for ages 4 years on up!!! And the founder has a proven track record of historical success in the industry! I would love to have you join me in this amazing adventure to freedom in so many definitions of the word – nothing to lose and everything to gain! What are you waiting for?
Meet Adam Green Million-dollar earner, author, and speaker, Adam Green reached the top of his company's compensation plan by age 25, becoming the youngest million-dollar earner in his company's history. As a highly sought after international speaker in the Network Marketing Profession, Adam is able to provide inspiration and motivation for all ...…
The major defining difference between other companies and MLM, is that they don’t mass market themselves, spending millions of dollars on television, radio and internet ads, but instead allocate that portion of their budget to pay hard working distributors who pound the pavement, form personal al relationships with clients, advocate their product, and hence donthe “marketing” for them.

But please do a little research before you blanket insult an entire industry or business model. I am a single mother with a 6 figure income because of MLM, nearly twice that when I’m actively working my business with both of the companies I represent, and while not everyone has the skill set to succeed in this business, the potential is certainly there, for those that do.


The major defining difference between other companies and MLM, is that they don’t mass market themselves, spending millions of dollars on television, radio and internet ads, but instead allocate that portion of their budget to pay hard working distributors who pound the pavement, form personal al relationships with clients, advocate their product, and hence donthe “marketing” for them.
Please note it is my personal policy to identify readers who respond to questions I ask in my newsletters. I find it encourages thoughtful and civil conversation. I want my newsletters to be a safe place to express your opinion. On sensitive matters or upon request, I’m happy to include just your first name and/or last initial. But I prefer not to post anonymous comments (I do make exceptions when I’m asking questions that might reveal sensitive information or cause conflict.)

Check out these products and the perfected business opportunity that offers OPTIMAL HEALTH, TIME FREEDOM and FINANCIAL SUCCESS! We have 14 different ways to get paid, a few of Which include Matrix, Matching, Coded, Fast Start, and Car Bonuses…. Customer, Leadership, and Generational Commissions, and Luxury Vacations and Travel. There is still time to even earn the esteemed title and become a “Founder” of one of (but I personally believe to be..) the FASTEST growing Health and Wellness direct sales companies this year and years to come!

This article was really informative and honest! I’m not presently involved in an MLM and I don’t ever plan to be especially after reading this article and the comments below. Why? Well because of EXACTLY the kind of “networking” and “recruiting” that these companies and many of the people commenting on here are advocating. I have been bombarded on my facebook, and other social media from people I haven’t spoken to or seen in years. Its becoming constant, and I am not on social media to make money. Roden and Fields, shakeology, some girl I went to high school with is now trying to get me to buy leggins from her. I have a cousin that I actively avoid now because he is constantly steering every single conversation to Herbellife and why I NEED it to be healthy. Jesus. Its just enough already. I’m all for empowering people, and I love the idea of earning an additional income to take care of your family or yourself. But I could not imagine alienating or even just annoying friends and family in order to make an extra dollar. What I dislike most is that many of those that are recruiting make it seem as if they recruiting you simply because they want to “help” you or provide you with an opportunity. They make it seem as if they are doing this out of the goodness of their hearts, when really the actual motivation is line their own pockets with more money, because the more people you recruit for your team, the more money you make. That feels dishonest and slimy to me. Unless I’m asking for “help” or an “opportunity” I wish people would assume that I don’t need and am not interested in one!

In an October 15, 2010 article, it was stated that documents of a MLM called Fortune Hi-Tech Marketing reveal that 30 percent of its representatives make no money and that 54 percent of the remaining 70 percent only make $93 a month, before costs. Fortune was under investigation by the Attorneys General of Texas, Kentucky, North Dakota, and North Carolina with Missouri, South Carolina, Illinois, and Florida following up complaints against the company.[39] The FTC eventually stated that Fortune Hi-Tech Marketing was a pyramid scheme and that checks totaling more than $3.7 million were being mailed to the victims.[40]
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