Hidden dealer fees
Your solar system cost one amount. Your loan may have been for much more.
Across the residential solar industry, loans were routinely written with a dealer fee folded into the amount financed — commonly reported between 20% and 39% above the system price. Cash buyers were not charged it. Most homeowners were never told about it. State attorneys general have brought enforcement actions alleging these undisclosed fees inflated what borrowers owe.
Free Claim ReviewWhat we’d look at in your case
- How your amount financed compares to your system's actual price
- Whether the fee was disclosed anywhere in your loan documents
- Truth in Lending disclosure problems tied to undisclosed dealer fees
- Texas DTPA claims for deceptive sales and financing practices
How to check your own paperwork
- 1Find the cash price or system price on your installation contract.
- 2Find the amount financed on your loan agreement.
- 3Subtract. If the second number is thousands higher than the first, that difference is worth having reviewed.
Why this firm
Ray Law Group PLLC was founded by Ryan Ray, a Texas attorney of 17 years who has spent his career fighting for property owners — and who bought solar panels for his own home.
He has paid thousands of dollars in loan payments while production came in far below what the proposal promised. He hired a large firm that advertises solar cases, signed the agreement, and never heard from them again. That is why this practice exists. Our team reviews every case that comes in and tells homeowners honestly where they stand.
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(TBD — see note)