Questions
Frequently asked questions
General information about Texas solar claims from Ray Law Group PLLC. It is not legal advice for your specific situation, and reading it does not create an attorney-client relationship.
Does it matter whether I have a loan, a lease, or a PPA?
It matters more than almost anything else. If you financed your system with a loan, a federal regulation called the FTC Holder Rule may let you raise claims against the lender that you would have had against the installer — which matters enormously when the installer has gone out of business. Leases and power purchase agreements work differently, and that particular protection generally does not apply. If you are not sure which one you have, look at who receives your monthly payment: a bank or finance company means a loan, while payments to the solar company usually mean a lease or PPA.
Do I have a case if I signed the contract?
Often, yes. Signing does not waive claims for misrepresentation, deceptive trade practices, or work that was never completed as promised. What matters is what you were told, what the documents actually say, and what was delivered.
My contract says arbitration. Does that mean I am stuck?
No. It means the claim is heard by an arbitrator instead of a jury, usually under AAA or JAMS rules. Arbitration can be faster than court, and many solar contracts require the company to pay most of the filing costs. We prepare cases specifically for that forum.
Can I stop paying my solar loan while the claim is pending?
Do not stop paying without legal advice specific to your situation. Missed payments can damage your credit and complicate the claim. We will talk through the options, including formal written disputes with the lender.
What can I recover?
Depending on the facts, outcomes can include cancellation or reduction of the loan, refunds of amounts paid, repair costs, removal of the system, release of a lien, and, under the Texas DTPA, additional damages and attorney's fees where the conduct was knowing or intentional. No outcome can be promised in advance.
The installer went out of business. Is it over?
Not necessarily. Claims may still exist against the finance company, the dealer network, a successor entity, warranty administrators, or insurers. The finance relationship is often the most important thread.
How much does it cost to talk to you?
The initial claim review is free. Many solar matters can be handled on a contingency or hybrid fee basis. All fee terms are provided in writing before you engage the firm.
How long do I have to bring a claim?
Deadlines vary by claim type, and DTPA claims require written notice before filing. Because limitations periods can be as short as two years from when you discovered the problem, it is best to have your documents reviewed promptly.
Do you handle cases outside Texas?
The practice is focused on Texas homeowners at this stage. If you are out of state, contact us anyway and we will tell you whether we can help or refer you.
Think your solar contract wasn't what you were promised?
Tell us what happened. We review Texas solar contracts, loan documents, and arbitration clauses at no cost.