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The average monthly payroll amounts included in the applications were fake, while Carruthers spent the money on personal investments and expenses, including the acquisition of personal watercraft according to documents.
Electronic applications for pandemic relief loans were submitted in the names of fictitious businesses.
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Ryan Carruthers received the funds from 13 loans and paid off a mortgage, among other purchases, federal officials said.
A Commerce Township man has admitted to stealing more than $850,000 in taxpayer money earmarked to help small businesses survive the COVID-19 pandemic.