Your educational workbook package — the same two books as your PDF files, in an easy online version. Not legal advice — we are not a law firm.
John Smith
Your case score: 9.9 out of 10 — Critical
Book 1 — Your Actions: the short book you work from. Book 2 — The In-Depth Version: every finding in full. 36 actions, in the order to do them.
Start Here is the next page.
Take it one action at a time. There is no test. There is no trick.
When you paid, you got two books. This page explains both, in plain words.
Book 1 — Your Actions is what you do, in order — your actions, your letters, and your tools. Book 2 — The In-Depth Version is what we found in your papers, in full.
How to use this online version: the buttons at the top of the page jump you to any part. Every letter has its own Print this letter button, and each book has a Print button on its first page — so you can print just what you need. The words are the same words as your PDF files, exactly.
Action 1. Send the arbitration opt-out letter, if your window is still open
Action 2. Put every paper in one folder and do not throw anything away
Action 3. Take screenshots of your online solar and loan accounts
Before you start, it helps to have:
One folder. Put both books in it.
A pen you like. You will check boxes and write dates.
Some envelopes and stamps. Some actions ask for certified mail — the post office will help you with that.
How to use this book: Do one action at a time, in order. There is no rush. Work through the actions at your own pace.
If you get stuck, call us: (214) 810-3131
Or hand this whole book to a lawyer. The pages at the back, marked IF YOU SEE A LAWYER, are made for them.
Start Here — What these books are, and the first three actions to take.
Book 1 — Your Actions — The book you work from: your checklist, your actions, your letters, and your tools.
Master Checklist — Every action on one list.
Your Letters — Ready to sign and mail — print any letter from its own button.
What to Write — Complaints — The exact words for each complaint.
When They Call You — What to say on the phone, word for word.
Your Numbers — The math of your deal, step by step.
Letter Tracking Table — Write down when you mailed each letter.
Book 2 — The In-Depth Version — The full record: every finding with its evidence, and the pages for a lawyer.
Your Case on One Page — Your companies, your numbers, and how strong the record is.
Every Finding, One by One — Each finding on a short card, with the action that uses it.
If You See a Lawyer — The pages to hand a lawyer.
Attorney Summary — Your case, summarized the way a lawyer reads it.
Document Index — Every paper that was reviewed.
Last Page — What these books are not.
The book you work from — what you do, in order
Every action in this book, on one list. Check a box when the action is done. Write the date next to it.
Action 1. Send the arbitration opt-out letter, if your window is still open
Action 2. Put every paper in one folder and do not throw anything away
Action 3. Take screenshots of your online solar and loan accounts
Action 4. Send the records-preservation notice to SunHollow Solar
Action 5. Send the records-preservation notice to BrightLedger Funding
Action 6. Ask SunHollow Solar for your complete file, in writing
Action 7. Ask BrightLedger Funding for your complete loan file, in writing
Action 8. Ask for the electronic signing record (audit trail)
Action 9. Search for any filing against your home (UCC search)
Action 10. Get your free credit reports and save them
Action 11. Ask the permit office for your permit file and final inspection
Action 12. Get this paper: The complete loan file from the lender, including any dealer-fee disclosure
Action 13. Get this paper: Any written quote, text message, or email from the salesperson
Action 14. Get this paper: Your credit reports and the latest loan servicer statements
Action 15. Get this paper: The complete signed contract, every page including the arbitration pages
Action 16. Get this paper: The complete warranty documents for the system
Action 17. Get this paper: A short written statement from anyone who was present at the sale
Action 18. Mail the dispute letter to SunHollow Solar
Action 19. Mail the claims-preservation notice to BrightLedger Funding
Action 20. Mail the billing dispute to your loan servicer
Action 21. Mail the warranty demand letter
Action 22. Mail the credit bureau disputes (one letter, sent to three bureaus)
Action 23. Mail the demand about the filing against your home
Action 24. File your complaint with the Consumer Financial Protection Bureau (CFPB)
Action 25. File your complaint with the Federal Trade Commission (FTC)
Action 26. File your complaint with the Texas Attorney General
Action 27. File your complaint with the State contractor licensing board
Action 28. File your complaint with the State public utility commission
Action 30. Read your choices: settle it, arbitration, small claims, or a lawyer
Action 31. Give the Attorney Packet (in this book) to a lawyer, if you choose one
Action 32. Check the laws in your findings that may help pay a lawyer (fee-shifting)
Action 33. After a resolution: get the filing removed (UCC-3 termination)
Action 34. Record the lien release, if any, with the county
Action 35. Scope panel removal and roof repair, if panels come off
Action 36. Talk to a title company before you sell or refinance
Mail the letters in this book. File the free complaints. Gather the papers your actions ask for. Keep every paper, receipt, and date in your folder.
3 of your actions are marked GET HELP (Actions 30, 32, 35). Do those with a lawyer, a trusted family member, or our office. Or hand this whole book to a lawyer — the pages at the back are made for them.
YOUR JOB
Because of Finding: Arbitration clause — check the opt-out date first
Send the arbitration opt-out letter, if your window is still open.
Who to send it to: BrightLedger Funding
Get the letter or paper named in this step. It is printed in this book, right after the steps for this phase, or listed below.
Write the date on it. Sign it where the line is.
Put it in a plain envelope. Write the name and address shown in WHO TO SEND IT TO on the envelope.
Take it to the post office. Ask for CERTIFIED MAIL with RETURN RECEIPT.
Pay at the counter. Keep the receipt they give you.
When the green card comes back in your mail, put it in your folder and write the date on your Letter Tracking Table.
Nothing goes in an envelope for this step unless the step says so
Keep your copies in your folder
Medium
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Because of Finding: Arbitration clause — check the opt-out date first
Put every paper in one folder and do not throw anything away.
Who to send it to: BrightLedger Funding
Get the letter or paper named in this step. It is printed in this book, right after the steps for this phase, or listed below.
Write the date on it. Sign it where the line is.
Put it in a plain envelope. Write the name and address shown in WHO TO SEND IT TO on the envelope.
Take it to the post office. Ask for CERTIFIED MAIL with RETURN RECEIPT.
Pay at the counter. Keep the receipt they give you.
When the green card comes back in your mail, put it in your folder and write the date on your Letter Tracking Table.
Nothing goes in an envelope for this step unless the step says so
Keep your copies in your folder
Easy
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Because of Finding: Arbitration clause — check the opt-out date first
Take screenshots of your online solar and loan accounts.
Who to send it to: BrightLedger Funding
Get the letter or paper named in this step. It is printed in this book, right after the steps for this phase, or listed below.
Write the date on it. Sign it where the line is.
Put it in a plain envelope. Write the name and address shown in WHO TO SEND IT TO on the envelope.
Take it to the post office. Ask for CERTIFIED MAIL with RETURN RECEIPT.
Pay at the counter. Keep the receipt they give you.
When the green card comes back in your mail, put it in your folder and write the date on your Letter Tracking Table.
Nothing goes in an envelope for this step unless the step says so
Keep your copies in your folder
Easy
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Because your plan includes this letter: Records preservation notice to the installer.
Send the records-preservation notice to SunHollow Solar.
Who to send it to: SunHollow Solar
Get the letter or paper named in this step. It is printed in this book, right after the steps for this phase, or listed below.
Write the date on it. Sign it where the line is.
Put it in a plain envelope. Write the name and address shown in WHO TO SEND IT TO on the envelope.
Take it to the post office. Ask for CERTIFIED MAIL with RETURN RECEIPT.
Pay at the counter. Keep the receipt they give you.
When the green card comes back in your mail, put it in your folder and write the date on your Letter Tracking Table.
Nothing goes in an envelope for this step unless the step says so
Keep your copies in your folder
Easy
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Because your plan includes this letter: Records preservation notice to the lender.
Send the records-preservation notice to BrightLedger Funding.
Who to send it to: BrightLedger Funding
Get the letter or paper named in this step. It is printed in this book, right after the steps for this phase, or listed below.
Write the date on it. Sign it where the line is.
Put it in a plain envelope. Write the name and address shown in WHO TO SEND IT TO on the envelope.
Take it to the post office. Ask for CERTIFIED MAIL with RETURN RECEIPT.
Pay at the counter. Keep the receipt they give you.
When the green card comes back in your mail, put it in your folder and write the date on your Letter Tracking Table.
Nothing goes in an envelope for this step unless the step says so
Keep your copies in your folder
Easy
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Because your plan includes this letter: Request for complete file from the installer.
Ask SunHollow Solar for your complete file, in writing.
Who to send it to: SunHollow Solar
Read WHAT TO DO above, out loud if that helps. Do just that one thing.
Use the address, website, or phone number printed in this step. Do not search for a different one.
Write down what happened, and the date, on the DONE line at the bottom of this page.
Put any paper you get back in your folder, behind this page.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Easy
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Because your plan includes this letter: Request for complete loan file from the lender.
Ask BrightLedger Funding for your complete loan file, in writing.
Who to send it to: BrightLedger Funding
Read WHAT TO DO above, out loud if that helps. Do just that one thing.
Use the address, website, or phone number printed in this step. Do not search for a different one.
Write down what happened, and the date, on the DONE line at the bottom of this page.
Put any paper you get back in your folder, behind this page.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Easy
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Ask for the electronic signing record (audit trail).
Who to send it to: SunHollow Solar
Read WHAT TO DO above, out loud if that helps. Do just that one thing.
Use the address, website, or phone number printed in this step. Do not search for a different one.
Write down what happened, and the date, on the DONE line at the bottom of this page.
Put any paper you get back in your folder, behind this page.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Easy
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Search for any filing against your home (UCC search).
Who to send it to: BrightLedger Funding
Read WHAT TO DO above, out loud if that helps. Do just that one thing.
Use the address, website, or phone number printed in this step. Do not search for a different one.
Write down what happened, and the date, on the DONE line at the bottom of this page.
Put any paper you get back in your folder, behind this page.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Medium
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Get your free credit reports and save them.
Who to send it to: BrightLedger Funding
Read WHAT TO DO above, out loud if that helps. Do just that one thing.
Use the address, website, or phone number printed in this step. Do not search for a different one.
Write down what happened, and the date, on the DONE line at the bottom of this page.
Put any paper you get back in your folder, behind this page.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Easy
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Ask the permit office for your permit file and final inspection.
Who to send it to: BrightLedger Funding
Read WHAT TO DO above, out loud if that helps. Do just that one thing.
Use the address, website, or phone number printed in this step. Do not search for a different one.
Write down what happened, and the date, on the DONE line at the bottom of this page.
Put any paper you get back in your folder, behind this page.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Easy
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Because of Finding: Homeowner reports loan details and payments (intake numbers)
Get this paper: The complete loan file from the lender, including any dealer-fee disclosure. This paper would strengthen this item in your file: “Homeowner reports loan details and payments (intake numbers)”. Ask for it in writing, and keep whatever you receive in your folder.
Who to send it to: BrightLedger Funding
Read WHAT TO DO above, out loud if that helps. Do just that one thing.
Use the address, website, or phone number printed in this step. Do not search for a different one.
Write down what happened, and the date, on the DONE line at the bottom of this page.
Put any paper you get back in your folder, behind this page.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Easy
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Because of Finding: The promise made at the sale, in the homeowner’s own words
Get this paper: Any written quote, text message, or email from the salesperson. This paper would strengthen this item in your file: “The promise made at the sale, in the homeowner’s own words”. Ask for it in writing, and keep whatever you receive in your folder.
Who to send it to: BrightLedger Funding
Read WHAT TO DO above, out loud if that helps. Do just that one thing.
Use the address, website, or phone number printed in this step. Do not search for a different one.
Write down what happened, and the date, on the DONE line at the bottom of this page.
Put any paper you get back in your folder, behind this page.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Easy
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Because of Finding: Credit was affected after being told it would not be
Get this paper: Your credit reports and the latest loan servicer statements. This paper would strengthen this item in your file: “Credit was affected after being told it would not be”. Ask for it in writing, and keep whatever you receive in your folder.
Who to send it to: BrightLedger Funding
Read WHAT TO DO above, out loud if that helps. Do just that one thing.
Use the address, website, or phone number printed in this step. Do not search for a different one.
Write down what happened, and the date, on the DONE line at the bottom of this page.
Put any paper you get back in your folder, behind this page.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Easy
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Because of Finding: A home sale or refinance was blocked or delayed
Get this paper: The complete signed contract, every page including the arbitration pages. This paper would strengthen this item in your file: “A home sale or refinance was blocked or delayed”. Ask for it in writing, and keep whatever you receive in your folder.
Who to send it to: BrightLedger Funding
Read WHAT TO DO above, out loud if that helps. Do just that one thing.
Use the address, website, or phone number printed in this step. Do not search for a different one.
Write down what happened, and the date, on the DONE line at the bottom of this page.
Put any paper you get back in your folder, behind this page.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Easy
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Because of Finding: The installer appears to be out of business
Get this paper: The complete warranty documents for the system. This paper would strengthen this item in your file: “The installer appears to be out of business”. Ask for it in writing, and keep whatever you receive in your folder.
Who to send it to: BrightLedger Funding
Read WHAT TO DO above, out loud if that helps. Do just that one thing.
Use the address, website, or phone number printed in this step. Do not search for a different one.
Write down what happened, and the date, on the DONE line at the bottom of this page.
Put any paper you get back in your folder, behind this page.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Easy
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Because of Finding: Age and circumstances at the time of the sale
Get this paper: A short written statement from anyone who was present at the sale. This paper would strengthen this item in your file: “Age and circumstances at the time of the sale”. Ask for it in writing, and keep whatever you receive in your folder.
Who to send it to: BrightLedger Funding
Read WHAT TO DO above, out loud if that helps. Do just that one thing.
Use the address, website, or phone number printed in this step. Do not search for a different one.
Write down what happened, and the date, on the DONE line at the bottom of this page.
Put any paper you get back in your folder, behind this page.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Easy
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Because of Findings: The electric bill did not go away as described · Arbitration indication in the solar agreement file · Warranty language is present in the solar agreement
Mail the dispute letter to SunHollow Solar.
Who to send it to: SunHollow Solar
Get the letter or paper named in this step. It is printed in this book, right after the steps for this phase, or listed below.
Write the date on it. Sign it where the line is.
Put it in a plain envelope. Write the name and address shown in WHO TO SEND IT TO on the envelope.
Take it to the post office. Ask for CERTIFIED MAIL with RETURN RECEIPT.
Pay at the counter. Keep the receipt they give you.
When the green card comes back in your mail, put it in your folder and write the date on your Letter Tracking Table.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Easy
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Because of Findings: Loan document (D2) shows a lender assignment and indicates a security interest · Loan note (D2) is missing required closed-end credit numbers · Solar contract (D1) is missing basic identity and price terms · and 2 more in Section 1
Mail the claims-preservation notice to BrightLedger Funding.
Who to send it to: BrightLedger Funding
Get the letter or paper named in this step. It is printed in this book, right after the steps for this phase, or listed below.
Write the date on it. Sign it where the line is.
Put it in a plain envelope. Write the name and address shown in WHO TO SEND IT TO on the envelope.
Take it to the post office. Ask for CERTIFIED MAIL with RETURN RECEIPT.
Pay at the counter. Keep the receipt they give you.
When the green card comes back in your mail, put it in your folder and write the date on your Letter Tracking Table.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
A copy of your loan papers
Easy
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Because your plan includes this letter: Billing dispute / notice of error to the servicer.
Mail the billing dispute to your loan servicer.
Who to send it to: BrightLedger Funding
Get the letter or paper named in this step. It is printed in this book, right after the steps for this phase, or listed below.
Write the date on it. Sign it where the line is.
Put it in a plain envelope. Write the name and address shown in WHO TO SEND IT TO on the envelope.
Take it to the post office. Ask for CERTIFIED MAIL with RETURN RECEIPT.
Pay at the counter. Keep the receipt they give you.
When the green card comes back in your mail, put it in your folder and write the date on your Letter Tracking Table.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Easy
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Because of Finding: Warranty papers were not in the documents reviewed
Mail the warranty demand letter.
Who to send it to: SunHollow Solar
Get the letter or paper named in this step. It is printed in this book, right after the steps for this phase, or listed below.
Write the date on it. Sign it where the line is.
Put it in a plain envelope. Write the name and address shown in WHO TO SEND IT TO on the envelope.
Take it to the post office. Ask for CERTIFIED MAIL with RETURN RECEIPT.
Pay at the counter. Keep the receipt they give you.
When the green card comes back in your mail, put it in your folder and write the date on your Letter Tracking Table.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Any warranty paper you were given
Photos of the problem, if you can take them
Easy
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Because your plan includes this letter: Credit bureau disputes (all three) plus the furnisher dispute.
Mail the credit bureau disputes (one letter, sent to three bureaus).
Who to send it to: Experian, Equifax, and TransUnion
Get the letter or paper named in this step. It is printed in this book, right after the steps for this phase, or listed below.
Write the date on it. Sign it where the line is.
Put it in a plain envelope. Write the name and address shown in WHO TO SEND IT TO on the envelope.
Take it to the post office. Ask for CERTIFIED MAIL with RETURN RECEIPT.
Pay at the counter. Keep the receipt they give you.
When the green card comes back in your mail, put it in your folder and write the date on your Letter Tracking Table.
A copy of your photo ID
A copy of a utility bill with your name and address
The credit report pages that show the item you dispute
Medium
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Because your plan includes this letter: Demand for a termination statement for the filing, where a filing exists.
Mail the demand about the filing against your home.
Who to send it to: BrightLedger Funding
Get the letter or paper named in this step. It is printed in this book, right after the steps for this phase, or listed below.
Write the date on it. Sign it where the line is.
Put it in a plain envelope. Write the name and address shown in WHO TO SEND IT TO on the envelope.
Take it to the post office. Ask for CERTIFIED MAIL with RETURN RECEIPT.
Pay at the counter. Keep the receipt they give you.
When the green card comes back in your mail, put it in your folder and write the date on your Letter Tracking Table.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Medium
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Because of Finding: Cancellation form was not in the documents reviewed
File your complaint with the Consumer Financial Protection Bureau (CFPB).
Who to send it to: Consumer Financial Protection Bureau (CFPB)
Open the complaint page or form named in this step.
Copy the words from the box in this step that says WHAT TO WRITE. You may copy them word for word.
Attach copies — never originals — of the papers listed in WHAT TO ATTACH.
Send it. Save the confirmation page or number in your folder.
Write the date on the DONE line at the bottom of this page.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Medium
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Because filing a complaint is one of your paths: Federal Trade Commission (FTC).
File your complaint with the Federal Trade Commission (FTC).
Who to send it to: Federal Trade Commission (FTC)
Open the complaint page or form named in this step.
Copy the words from the box in this step that says WHAT TO WRITE. You may copy them word for word.
Attach copies — never originals — of the papers listed in WHAT TO ATTACH.
Send it. Save the confirmation page or number in your folder.
Write the date on the DONE line at the bottom of this page.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Medium
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Because filing a complaint is one of your paths: Texas Attorney General.
File your complaint with the Texas Attorney General.
Who to send it to: Texas Attorney General
Open the complaint page or form named in this step.
Copy the words from the box in this step that says WHAT TO WRITE. You may copy them word for word.
Attach copies — never originals — of the papers listed in WHAT TO ATTACH.
Send it. Save the confirmation page or number in your folder.
Write the date on the DONE line at the bottom of this page.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Medium
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Because filing a complaint is one of your paths: State contractor licensing board.
File your complaint with the State contractor licensing board.
Who to send it to: State contractor licensing board
Open the complaint page or form named in this step.
Copy the words from the box in this step that says WHAT TO WRITE. You may copy them word for word.
Attach copies — never originals — of the papers listed in WHAT TO ATTACH.
Send it. Save the confirmation page or number in your folder.
Write the date on the DONE line at the bottom of this page.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Medium
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Because filing a complaint is one of your paths: State public utility commission.
File your complaint with the State public utility commission.
Who to send it to: State public utility commission
Open the complaint page or form named in this step.
Copy the words from the box in this step that says WHAT TO WRITE. You may copy them word for word.
Attach copies — never originals — of the papers listed in WHAT TO ATTACH.
Send it. Save the confirmation page or number in your folder.
Write the date on the DONE line at the bottom of this page.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Medium
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Because filing a complaint is one of your paths: Texas elder financial abuse reporting channel (through the Attorney General / Adult Protective Services).
File your complaint with the Texas elder financial abuse reporting channel (through the Attorney General / Adult Protective Services).
Who to send it to: Texas elder financial abuse reporting channel (through the Attorney General / Adult Protective Services)
Open the complaint page or form named in this step.
Copy the words from the box in this step that says WHAT TO WRITE. You may copy them word for word.
Attach copies — never originals — of the papers listed in WHAT TO ATTACH.
Send it. Save the confirmation page or number in your folder.
Write the date on the DONE line at the bottom of this page.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Medium
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
GET HELP
Read your choices: settle it, arbitration, small claims, or a lawyer.
Who to send it to: You read this step at home. If it involves a lawyer, that lawyer’s office.
Read WHAT TO DO above, out loud if that helps. Do just that one thing.
Use the address, website, or phone number printed in this step. Do not search for a different one.
Write down what happened, and the date, on the DONE line at the bottom of this page.
Put any paper you get back in your folder, behind this page.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Get Help
A wrong move here can affect your rights or your money — do this one with help. A lawyer, a trusted family member, or our office can help you organize the papers for this action.
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Because of Finding: Holder notice in the contract needs to be confirmed
Give the Attorney Packet (in this book) to a lawyer, if you choose one.
Who to send it to: You read this step at home. If it involves a lawyer, that lawyer’s office.
Read WHAT TO DO above, out loud if that helps. Do just that one thing.
Use the address, website, or phone number printed in this step. Do not search for a different one.
Write down what happened, and the date, on the DONE line at the bottom of this page.
Put any paper you get back in your folder, behind this page.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Easy
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
GET HELP
Check the laws in your findings that may help pay a lawyer (fee-shifting).
Who to send it to: You read this step at home. If it involves a lawyer, that lawyer’s office.
Read WHAT TO DO above, out loud if that helps. Do just that one thing.
Use the address, website, or phone number printed in this step. Do not search for a different one.
Write down what happened, and the date, on the DONE line at the bottom of this page.
Put any paper you get back in your folder, behind this page.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Get Help
A wrong move here can affect your rights or your money — do this one with help. A lawyer, a trusted family member, or our office can help you organize the papers for this action.
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
After a resolution: get the filing removed (UCC-3 termination).
Who to send it to: The county clerk, the filing holder, or the title company named in this step
Read WHAT TO DO above, out loud if that helps. Do just that one thing.
Use the address, website, or phone number printed in this step. Do not search for a different one.
Write down what happened, and the date, on the DONE line at the bottom of this page.
Put any paper you get back in your folder, behind this page.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Medium
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Record the lien release, if any, with the county.
Who to send it to: The county clerk, the filing holder, or the title company named in this step
Read WHAT TO DO above, out loud if that helps. Do just that one thing.
Use the address, website, or phone number printed in this step. Do not search for a different one.
Write down what happened, and the date, on the DONE line at the bottom of this page.
Put any paper you get back in your folder, behind this page.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Medium
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
GET HELP
Scope panel removal and roof repair, if panels come off.
Who to send it to: The county clerk, the filing holder, or the title company named in this step
Read WHAT TO DO above, out loud if that helps. Do just that one thing.
Use the address, website, or phone number printed in this step. Do not search for a different one.
Write down what happened, and the date, on the DONE line at the bottom of this page.
Put any paper you get back in your folder, behind this page.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Get Help
A wrong move here can affect your rights or your money — do this one with help. A lawyer, a trusted family member, or our office can help you organize the papers for this action.
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
YOUR JOB
Talk to a title company before you sell or refinance.
Who to send it to: The county clerk, the filing holder, or the title company named in this step
Read WHAT TO DO above, out loud if that helps. Do just that one thing.
Use the address, website, or phone number printed in this step. Do not search for a different one.
Write down what happened, and the date, on the DONE line at the bottom of this page.
Put any paper you get back in your folder, behind this page.
A copy of your solar contract (never the original)
A copy of one electric bill from before solar, and one from now
Easy
DONE — Date I did it: ______________________
If you get stuck on this action, call us: (214) 810-3131
Your letters, the words for your complaints, what to say when they call, your numbers, and a table to track your mail. Your actions point to the right page as you go.
Each letter is on its own page, after this one. The action that uses a letter tells you which one. Sign it. Mail it the way the action says.
October 31, 2026
From: John Smith
1612 Cimmarron St Portland, TX 78374
Re: My solar agreement — written dispute and request
Dear Sir or Madam,
I am writing about the solar system and financing sold to me for my home at 1612 Cimmarron St Portland, TX 78374.
After a review of my documents, I dispute the items listed in my case review, and I ask you to preserve and provide all records about my account, including every signed document, the electronic signing record, the sales proposal, and any recordings.
Please respond to me in writing. Please do not call me with a verbal offer. I want everything in writing so I can read it carefully.
This letter is a general dispute and records request based on a document review. It is sent by the homeowner.
Sincerely,
Sign here: ______________________________________
John Smith
Mail this by CERTIFIED MAIL with RETURN RECEIPT, as the action instructions in this book explain. Keep a copy. Keep the green card when it comes back.
October 31, 2026
From: John Smith
1612 Cimmarron St Portland, TX 78374
Re: My solar agreement — written dispute and request
Dear Sir or Madam,
I am writing about the solar system and financing sold to me for my home at 1612 Cimmarron St Portland, TX 78374.
After a review of my documents, I dispute the items listed in my case review, and I ask you to preserve and provide all records about my account, including every signed document, the electronic signing record, the sales proposal, and any recordings.
Please respond to me in writing. Please do not call me with a verbal offer. I want everything in writing so I can read it carefully.
This letter is a general dispute and records request based on a document review. It is sent by the homeowner.
Sincerely,
Sign here: ______________________________________
John Smith
Mail this by CERTIFIED MAIL with RETURN RECEIPT, as the action instructions in this book explain. Keep a copy. Keep the green card when it comes back.
October 31, 2026
From: John Smith
1612 Cimmarron St Portland, TX 78374
Re: My solar agreement — written dispute and request
Dear Sir or Madam,
I am writing about the solar system and financing sold to me for my home at 1612 Cimmarron St Portland, TX 78374.
After a review of my documents, I dispute the items listed in my case review, and I ask you to preserve and provide all records about my account, including every signed document, the electronic signing record, the sales proposal, and any recordings.
Please respond to me in writing. Please do not call me with a verbal offer. I want everything in writing so I can read it carefully.
This letter is a general dispute and records request based on a document review. It is sent by the homeowner.
Sincerely,
Sign here: ______________________________________
John Smith
Mail this by CERTIFIED MAIL with RETURN RECEIPT, as the action instructions in this book explain. Keep a copy. Keep the green card when it comes back.
October 31, 2026
From: John Smith
1612 Cimmarron St Portland, TX 78374
Re: My solar agreement — written dispute and request
Dear Sir or Madam,
I am writing about the solar system and financing sold to me for my home at 1612 Cimmarron St Portland, TX 78374.
After a review of my documents, I dispute the items listed in my case review, and I ask you to preserve and provide all records about my account, including every signed document, the electronic signing record, the sales proposal, and any recordings.
Please respond to me in writing. Please do not call me with a verbal offer. I want everything in writing so I can read it carefully.
This letter is a general dispute and records request based on a document review. It is sent by the homeowner.
Sincerely,
Sign here: ______________________________________
John Smith
Mail this by CERTIFIED MAIL with RETURN RECEIPT, as the action instructions in this book explain. Keep a copy. Keep the green card when it comes back.
October 31, 2026
From: John Smith
1612 Cimmarron St Portland, TX 78374
Re: My solar agreement — written dispute and request
Dear Sir or Madam,
I am writing about the solar system and financing sold to me for my home at 1612 Cimmarron St Portland, TX 78374.
After a review of my documents, I dispute the items listed in my case review, and I ask you to preserve and provide all records about my account, including every signed document, the electronic signing record, the sales proposal, and any recordings.
Please respond to me in writing. Please do not call me with a verbal offer. I want everything in writing so I can read it carefully.
This letter is a general dispute and records request based on a document review. It is sent by the homeowner.
Sincerely,
Sign here: ______________________________________
John Smith
Mail this by CERTIFIED MAIL with RETURN RECEIPT, as the action instructions in this book explain. Keep a copy. Keep the green card when it comes back.
October 31, 2026
From: John Smith
1612 Cimmarron St Portland, TX 78374
Re: My solar agreement — written dispute and request
Dear Sir or Madam,
I am writing about the solar system and financing sold to me for my home at 1612 Cimmarron St Portland, TX 78374.
After a review of my documents, I dispute the items listed in my case review, and I ask you to preserve and provide all records about my account, including every signed document, the electronic signing record, the sales proposal, and any recordings.
Please respond to me in writing. Please do not call me with a verbal offer. I want everything in writing so I can read it carefully.
This letter is a general dispute and records request based on a document review. It is sent by the homeowner.
Sincerely,
Sign here: ______________________________________
John Smith
Mail this by CERTIFIED MAIL with RETURN RECEIPT, as the action instructions in this book explain. Keep a copy. Keep the green card when it comes back.
October 31, 2026
From: John Smith
1612 Cimmarron St Portland, TX 78374
Re: My solar agreement — written dispute and request
Dear Sir or Madam,
I am writing about the solar system and financing sold to me for my home at 1612 Cimmarron St Portland, TX 78374.
After a review of my documents, I dispute the items listed in my case review, and I ask you to preserve and provide all records about my account, including every signed document, the electronic signing record, the sales proposal, and any recordings.
Please respond to me in writing. Please do not call me with a verbal offer. I want everything in writing so I can read it carefully.
This letter is a general dispute and records request based on a document review. It is sent by the homeowner.
Sincerely,
Sign here: ______________________________________
John Smith
Mail this by CERTIFIED MAIL with RETURN RECEIPT, as the action instructions in this book explain. Keep a copy. Keep the green card when it comes back.
October 31, 2026
From: John Smith
1612 Cimmarron St Portland, TX 78374
Re: My solar agreement — written dispute and request
Dear Sir or Madam,
I am writing about the solar system and financing sold to me for my home at 1612 Cimmarron St Portland, TX 78374.
After a review of my documents, I dispute the items listed in my case review, and I ask you to preserve and provide all records about my account, including every signed document, the electronic signing record, the sales proposal, and any recordings.
Please respond to me in writing. Please do not call me with a verbal offer. I want everything in writing so I can read it carefully.
This letter is a general dispute and records request based on a document review. It is sent by the homeowner.
Sincerely,
Sign here: ______________________________________
John Smith
Mail this by CERTIFIED MAIL with RETURN RECEIPT, as the action instructions in this book explain. Keep a copy. Keep the green card when it comes back.
October 31, 2026
From: John Smith
1612 Cimmarron St Portland, TX 78374
Re: My solar agreement — written dispute and request
Dear Sir or Madam,
I am writing about the solar system and financing sold to me for my home at 1612 Cimmarron St Portland, TX 78374.
After a review of my documents, I dispute the items listed in my case review, and I ask you to preserve and provide all records about my account, including every signed document, the electronic signing record, the sales proposal, and any recordings.
Please respond to me in writing. Please do not call me with a verbal offer. I want everything in writing so I can read it carefully.
This letter is a general dispute and records request based on a document review. It is sent by the homeowner.
Sincerely,
Sign here: ______________________________________
John Smith
Mail this by CERTIFIED MAIL with RETURN RECEIPT, as the action instructions in this book explain. Keep a copy. Keep the green card when it comes back.
October 31, 2026
From: John Smith
1612 Cimmarron St Portland, TX 78374
Re: My solar agreement — written dispute and request
Dear Sir or Madam,
I am writing about the solar system and financing sold to me for my home at 1612 Cimmarron St Portland, TX 78374.
After a review of my documents, I dispute the items listed in my case review, and I ask you to preserve and provide all records about my account, including every signed document, the electronic signing record, the sales proposal, and any recordings.
Please respond to me in writing. Please do not call me with a verbal offer. I want everything in writing so I can read it carefully.
This letter is a general dispute and records request based on a document review. It is sent by the homeowner.
Sincerely,
Sign here: ______________________________________
John Smith
Mail this by CERTIFIED MAIL with RETURN RECEIPT, as the action instructions in this book explain. Keep a copy. Keep the green card when it comes back.
Complaints rarely refund money by themselves. They create pressure and an official record. Your complaint actions tell you exactly where each complaint goes. You may copy these words word for word:
“I am filing a complaint about the solar system and financing sold to me for my home. After a review of my documents, I dispute the items listed in my case review. I ask that this complaint be kept on record, and that the company respond to me in writing.”
Attach copies — never originals — of the papers the action lists. Send it the way the action says, and keep the confirmation page or number in your folder.
Attach copies — never originals — of the papers the action lists. Send it the way the action says, and keep the confirmation page or number in your folder.
Attach copies — never originals — of the papers the action lists. Send it the way the action says, and keep the confirmation page or number in your folder.
Attach copies — never originals — of the papers the action lists. Send it the way the action says, and keep the confirmation page or number in your folder.
Attach copies — never originals — of the papers the action lists. Send it the way the action says, and keep the confirmation page or number in your folder.
Attach copies — never originals — of the papers the action lists. Send it the way the action says, and keep the confirmation page or number in your folder.
Read these words out loud, exactly as written, if you want to:
“Please put that in writing and mail it to me.”
“I am not agreeing to anything on the phone today.”
“I am working through a written plan. Send me your offer in writing.”
“Do not call me about a new contract. I will not sign anything new.”
“Thank you. I need to go now.” — and then you may hang up. That is allowed.
1. Get it in writing.
2. Do not sign anything new on the phone or at the door without reading it on paper first.
3. Do not accept a promise spoken on the phone. If it is not in writing, it did not happen.
Your solar payment is $256.00 every month.
Your deal lasts 25 years. That is 300 monthly payments.
$256.00 x 300 payments = $76,800.00 in total payments over the full deal.
You have paid about $12,288.00 so far (an estimate from your start date).
That leaves about $64,512.00 still to pay if nothing changes.
Your electric bill before solar was $200.00 a month. It is now $180.00 a month — and that is before the solar payment is added.
Amount financed, from your intake: $80,000.00.
Keep this page. Show it to family or to a lawyer. Numbers you can follow are numbers you can trust.
| Letter | Date I mailed it | Green card came back | They replied on |
|---|---|---|---|
| Records preservation notice to the installer | |||
| Records preservation notice to the lender | |||
| Request for complete file from the installer | |||
| Request for complete loan file from the lender | |||
| Notice of dispute and demand to the installer | |||
| Notice to the holder preserving your claims and defenses (Holder Rule) | |||
| Billing dispute / notice of error to the servicer | |||
| Warranty demand under the written warranty | |||
| Credit bureau disputes (all three) plus the furnisher dispute | |||
| Demand for a termination statement for the filing, where a filing exists |
The full record — every finding, with its evidence
John Smith — 1612 Cimmarron St Portland, TX 78374
Your goal: Cancel entirely
The companies in your case: Installer — SunHollow Solar. Lender — BrightLedger Funding.
Your case score: 9.9 out of 10 — Critical
Your solar payment is $256.00 every month. Your deal lasts 25 years (300 payments), $76,800.00 in total.
You have paid about $12,288.00 so far (an estimate). About $64,512.00 is still to pay if nothing changes.
Your electric bill before solar was $200.00 a month. It is now $180.00 a month, before the solar payment is added. Amount financed: $80,000.00.
How strong is the documented record? Strong documented record. 12 well-documented item(s), proven from the papers · 11 item(s) that need one more paper · 0 item(s) on record from the homeowner’s account only · 1 critical and 13 high-severity item(s)
Strongest documented paths: Attorney handoff · Dispute letter to the installer · Notice to the loan holder · Regulator complaint · Warranty demand
The papers that would strengthen it: TILA Disclosure · Cancellation Notice · Utility Bill (pre-solar) · Utility Bill (post-solar) · The complete loan file from the lender, including any dealer-fee disclosure · Any written quote, text message, or email from the salesperson
4 high-value paper(s) were not in the set reviewed: TILA Disclosure, Cancellation Notice, Utility Bill (pre-solar), Utility Bill (post-solar).
This measures how well the case is DOCUMENTED. It does not decide whether a court, agency, or company will cancel the deal, and it is not legal advice.
Every finding in your review, in plain words: what the paper says, where it came from, and what it does and does not prove. Nothing here was made up — each card names its source, and each one points to the action that uses it.
TIME-SENSITIVE — Check the contract for the opt-out deadline — act within 7 days of starting your plan.
WHAT THE PAPER SAYS
“The word "arbitration" appears in the uploaded documents. Many solar contracts allow a short window to opt out in writing.”
Where it came from: Solar Agreement (Solar Agreement Form.pdf)
What this proves: These words are in your papers, exactly as written.
What this does not prove: It does not prove intent, or what a court, agency, or company would decide.
→ Your action for this: Action 1 — Send the arbitration opt-out letter, if your window is still open
WHAT THE PAPER SAYS
“Homeowner was told the bill would be eliminated. Bill before solar: $200 per month. Bill now: $180 per month, plus a solar payment of $256 per month.”
Where it came from: The homeowner’s intake answers
THE MATH: Electric bill before solar: $200 per month · Electric bill now, plus the solar payment: $180 per month + $256 per month · What you pay now, in total: $436 per month for both (computed from the recorded values)
What this proves: The math comes from numbers in your own papers — anyone can re-check it.
What this does not prove: It does not prove why the numbers came out this way — only that they did.
→ Your action for this: Action 18 — Mail the dispute letter to SunHollow Solar
WHAT THE PAPER SAYS
“assignment_holder: "Lender all rights to receive the"”
Where it came from: Loan Note / Retail Installment Contract (loan_agreement-biz1.pdf)
What this proves: These words are in your papers, exactly as written.
What this does not prove: It does not prove intent, or what a court, agency, or company would decide.
→ Your action for this: Action 19 — Mail the claims-preservation notice to BrightLedger Funding
WHAT THE PAPER SAYS
“missing_elements: ["APR","amount financed","finance charge","total of payments"]”
Where it came from: Loan Note / Retail Installment Contract (loan_agreement-biz1.pdf)
What this proves: We reviewed every paper you gave us. This item was not in them.
What this does not prove: This was not in the papers you gave us — not proof it never existed.
→ Your action for this: Action 19 — Mail the claims-preservation notice to BrightLedger Funding
WHAT THE PAPER SAYS
“missing_elements: ["Homeowner name (actual filled)", "Site Address (filled)", "Phone Number (Homeowner)", "Email (Homeowner)", "Specific system size in kW (system_size_kw)", "List of Solar Panels make/model and quantity", "List of Inverters make/model and quantity", "Contract Price / Cash Price", "Amount Financed", "APR"]”
Where it came from: Solar Agreement (Solar Agreement Form.pdf)
What this proves: We reviewed every paper you gave us. This item was not in them.
What this does not prove: This was not in the papers you gave us — not proof it never existed.
→ Your action for this: Action 19 — Mail the claims-preservation notice to BrightLedger Funding
WHAT THE PAPER SAYS
“The cost items the law lists could not all be found in the papers read. “Solar Agreement Form.pdf” is missing: Amount Financed, APR; “loan_agreement-biz1.pdf” is missing: APR, amount financed, finance charge, total of payments.”
Where it came from: Solar Agreement (Solar Agreement Form.pdf) · Loan Note / Retail Installment Contract (loan_agreement-biz1.pdf)
What this proves: We reviewed every paper you gave us. This item was not in them.
What this does not prove: This was not in the papers you gave us — not proof it never existed.
→ Your action for this: Action 19 — Mail the claims-preservation notice to BrightLedger Funding
WHAT THE PAPER SAYS
“No cancellation notice was found among the documents provided for review.”
Where it came from: The full set of papers provided for review
What this proves: We reviewed every paper you gave us. This item was not in them.
What this does not prove: This was not in the papers you gave us — not proof it never existed.
→ Your action for this: Action 24 — File your complaint with the Consumer Financial Protection Bureau (CFPB)
WHAT THE PAPER SAYS
“The preservation-of-claims (Holder Rule) notice could not be found in the readable text of the Loan Note / Retail Installment Contract (loan_agreement-biz1.pdf) that was reviewed.”
Where it came from: Loan Note / Retail Installment Contract (loan_agreement-biz1.pdf) · The full set of papers provided for review
What this proves: We reviewed every paper you gave us. This item was not in them.
What this does not prove: This was not in the papers you gave us — not proof it never existed.
→ Your action for this: Action 31 — Give the Attorney Packet (in this book) to a lawyer, if you choose one
WHAT THE PAPER SAYS
“20. Termination of Contract. The Contract will terminate when tasks are complete, allocated budget is expended, or upon fifteen (15) days' written notice by the Contractor or the Homeowner to the other party, whichever first occurs.”
Where it came from: Solar Agreement (Solar Agreement Form.pdf)
What this proves: These words are in your papers, exactly as written.
What this does not prove: It does not prove intent, or what a court, agency, or company would decide.
→ Your action for this: Action 19 — Mail the claims-preservation notice to BrightLedger Funding
WHAT THE PAPER SAYS
“arbitration_present: true”
Where it came from: Solar Agreement (Solar Agreement Form.pdf)
What this proves: These words are in your papers, exactly as written.
What this does not prove: It does not prove intent, or what a court, agency, or company would decide.
→ Your action for this: Action 18 — Mail the dispute letter to SunHollow Solar
WHAT THE PAPER SAYS
“No warranty document was found among the documents provided for review.”
Where it came from: The full set of papers provided for review
What this proves: We reviewed every paper you gave us. This item was not in them.
What this does not prove: This was not in the papers you gave us — not proof it never existed.
→ Your action for this: Action 21 — Mail the warranty demand letter
WHAT THE PAPER SAYS
“16. Warranty of Work. Contractor warrants all solar-related work for a period of ten (10) years following completion. The system’s most critical components – the solar modules and inverters—are covered by 25-year performance warranties, which protect against component-related failure.”
Where it came from: Solar Agreement (Solar Agreement Form.pdf)
What this proves: These words are in your papers, exactly as written.
What this does not prove: It does not prove intent, or what a court, agency, or company would decide.
→ Your action for this: Action 18 — Mail the dispute letter to SunHollow Solar
WHAT YOU TOLD US
“amount_financed: "80000"; monthly_payment: "256"; term_years: "25"; lender_name: "BrightLedger Funding"; installer_name: "SunHollow Solar"”
Where it came from: The homeowner’s intake answers
What this proves: Your account is on the record, in your own words.
What this does not prove: It is your account only — no paper in this file backs it yet.
The paper that would make it stronger: The complete loan file from the lender, including any dealer-fee disclosure
→ Your action for this: Action 12 — Get this paper: The complete loan file from the lender, including any dealer-fee disclosure
WHAT YOU TOLD US
“"Disappear "”
Where it came from: The homeowner’s intake answers
What this proves: Your account is on the record, in your own words.
What this does not prove: It is your account only — no paper in this file backs it yet.
The paper that would make it stronger: Any written quote, text message, or email from the salesperson
→ Your action for this: Action 13 — Get this paper: Any written quote, text message, or email from the salesperson
WHAT YOU TOLD US
“Homeowner account: the salesperson said or implied they worked for the utility, the government, or a government program.”
Where it came from: The homeowner’s intake answers
What this proves: Your account is on the record, in your own words.
What this does not prove: It is your account only — no paper in this file backs it yet.
The paper that would make it stronger: Any written quote, text message, or email from the salesperson
WHAT YOU TOLD US
“Homeowner account: the deal was described as free, a rebate program, or paid for by the government.”
Where it came from: The homeowner’s intake answers
What this proves: Your account is on the record, in your own words.
What this does not prove: It is your account only — no paper in this file backs it yet.
The paper that would make it stronger: Any written quote, text message, or email from the salesperson
WHAT YOU TOLD US
“Homeowner account: the tax credit was described as a cash rebate or a check. Tax situation discussed: No.”
Where it came from: The homeowner’s intake answers
What this proves: Your account is on the record, in your own words.
What this does not prove: It is your account only — no paper in this file backs it yet.
The paper that would make it stronger: Any written quote, text message, or email from the salesperson
WHAT YOU TOLD US
“Homeowner account: they were told credit would not be affected, and their credit has since been hurt.”
Where it came from: The homeowner’s intake answers
What this proves: Your account is on the record, in your own words.
What this does not prove: It is your account only — no paper in this file backs it yet.
The paper that would make it stronger: Your credit reports and the latest loan servicer statements
→ Your action for this: Action 14 — Get this paper: Your credit reports and the latest loan servicer statements
WHAT YOU TOLD US
“Homeowner account: a sale or refinance was blocked or delayed because of the solar deal.”
Where it came from: The homeowner’s intake answers
What this proves: Your account is on the record, in your own words.
What this does not prove: It is your account only — no paper in this file backs it yet.
The paper that would make it stronger: The complete signed contract, every page including the arbitration pages
→ Your action for this: Action 15 — Get this paper: The complete signed contract, every page including the arbitration pages
WHAT YOU TOLD US
“Homeowner account: they were pressured to decide the same day as first contact.”
Where it came from: The homeowner’s intake answers
What this proves: Your account is on the record, in your own words.
What this does not prove: It is your account only — no paper in this file backs it yet.
The paper that would make it stronger: Any written quote, text message, or email from the salesperson
WHAT YOU TOLD US
“Homeowner account: signing was on the salesperson’s device, or pages were blank or pre-filled at signing.”
Where it came from: The homeowner’s intake answers
What this proves: Your account is on the record, in your own words.
What this does not prove: It is your account only — no paper in this file backs it yet.
The paper that would make it stronger: Any written quote, text message, or email from the salesperson
WHAT YOU TOLD US
“Homeowner account: the installer is no longer in business.”
Where it came from: The homeowner’s intake answers
What this proves: Your account is on the record, in your own words.
What this does not prove: It is your account only — no paper in this file backs it yet.
The paper that would make it stronger: The complete warranty documents for the system
→ Your action for this: Action 16 — Get this paper: The complete warranty documents for the system
WHAT YOU TOLD US
“Homeowner account: age range 70-79. Alone at the sale: Yes.”
Where it came from: The homeowner’s intake answers
What this proves: Your account is on the record, in your own words.
What this does not prove: It is your account only — no paper in this file backs it yet.
The paper that would make it stronger: A short written statement from anyone who was present at the sale
→ Your action for this: Action 17 — Get this paper: A short written statement from anyone who was present at the sale
The next pages are made for a lawyer: the Attorney Summary and the Document Index. Hand the lawyer those pages — or this whole book.
The summary explains your case in the order a lawyer reads it: what was found, the numbers, and the papers behind it. You do not need to explain anything first.
One-page summary. Homeowner: John Smith of 1612 Cimmarron St Portland, TX 78374. Goal: Cancel entirely. Case score 9.9 (Critical), derived deterministically from graded findings; derivation stored in the case file. This summary is a document review, not a legal opinion.
| # | Finding | Severity | Evidence | Authorities (slugs) |
|---|---|---|---|---|
| 1 | Arbitration clause — check the opt-out date first | moderate | Evidence grade B | faa |
| 2 | The electric bill did not go away as described | critical | Evidence grade B | ftc-act-5, tx-dtpa |
| 3 | Loan document (D2) shows a lender assignment and indicates a security interest | high | Evidence grade A | regz-1026-23, tila-1635, ucc9-334 |
| 4 | Loan note (D2) is missing required closed-end credit numbers | high | Evidence grade A | tila-1638, regz-1026-18 |
| 5 | Solar contract (D1) is missing basic identity and price terms | high | Evidence grade B | tila-1638, regz-1026-18 |
| 6 | Loan cost papers may be missing or incomplete | high | Evidence grade B | tila-1638, regz-1026-18 |
| 7 | Cancellation form was not in the documents reviewed | high | Evidence grade B | cooling-off, tx-601 |
| 8 | Holder notice in the contract needs to be confirmed | high | Evidence grade B | holder-rule |
| 9 | Contract contains a termination clause that looks like contractor/homeowner notice, not a consumer cancellation form | moderate | Evidence grade A | tx-601 |
| 10 | Arbitration indication in the solar agreement file | moderate | Evidence grade B | faa |
| 11 | Warranty papers were not in the documents reviewed | moderate | Evidence grade B | mmwa, mmwa-702 |
| 12 | Warranty language is present in the solar agreement | low | Evidence grade A | mmwa-702, mmwa |
| 13 | Homeowner reports loan details and payments (intake numbers) | high | Evidence grade C | tila-1638, regz-1026-18 |
| 14 | The promise made at the sale, in the homeowner’s own words | high | Evidence grade C | ftc-act-5 |
| 15 | The salesperson may have implied a utility or government connection | high | Evidence grade C | ftc-act-5, tx-dtpa |
| 16 | The deal was described as free or government-paid | high | Evidence grade C | ftc-act-5, sec25d |
| 17 | The tax credit was described as a check or rebate | high | Evidence grade C | sec25d, ftc-act-5 |
| 18 | Credit was affected after being told it would not be | high | Evidence grade C | fcra-1681s2, ftc-act-5 |
| 19 | A home sale or refinance was blocked or delayed | high | Evidence grade C | ucc9-334, tx-dtpa |
| 20 | The decision was pressed for the same day | moderate | Evidence grade C | cooling-off, ftc-act-5 |
| 21 | Signing happened on the salesperson’s device or on partly filled pages | moderate | Evidence grade C | esign, esign-7001c |
| 22 | The installer appears to be out of business | moderate | Evidence grade C | mmwa, holder-rule |
| 23 | Age and circumstances at the time of the sale | moderate | Evidence grade C | ftc-act-5, tx-dtpa |
Sale and signing as described at intake. System switched on: Aug 2022. Install / activation, billing history, and company contacts are in the intake answers and document index in the case file.
Total of payments $76,800.00; estimated paid to date $12,288.00; remaining $64,512.00; pre-solar utility bill $200.00/mo; post-solar utility bill $180.00/mo; amount financed $80,000.00.
The authorities listed beside each finding above, including any that carry attorney-fee provisions (for example Magnuson-Moss fee recovery and, in Texas, the Deceptive Trade Practices Act) — flagged so counsel can assess whether a fee-shifted or contingency engagement is realistic. Choosing and retaining counsel is the homeowner’s decision.
Solar Agreement — Solar Agreement Form.pdf · Loan Note / Retail Installment Contract — loan_agreement-biz1.pdf
1. Solar Agreement — Solar Agreement Form.pdf
2. Loan Note / Retail Installment Contract — loan_agreement-biz1.pdf
We are not a law firm. This is not legal advice. This is a workbook of findings and checklists, compiled from the papers provided and the homeowner’s account. Nobody can promise an outcome. Consider having a licensed attorney in your state review this packet.
Nobody can promise you an outcome. Nobody honest can promise you will get out of your deal, or get money back.
You may do these actions yourself, ask family to help, or hand this book to a lawyer. That choice is yours.
If you get stuck, call us: (214) 810-3131
