Two agreements, two sets of questions
The installer and lender may have different responsibilities. Collect the signed installation contract, credit agreement, payment schedule, account statements, and any completion certificate. Record when funds were disbursed and whether the system was operating at that time.
Look beyond the advertised payment
Compare the cash price, amount financed, interest rate, total payments, and any scheduled payment change. Note any lump-sum payment discussed during the sale. If a salesperson assumed you would receive a tax benefit, preserve that statement and consult a tax professional about your own eligibility rather than treating the benefit as guaranteed.
Make the account history clear
List disputed charges, repair requests, lender responses, and any collection notices. A dispute with the installer does not by itself establish that loan payments can stop. Get advice specific to the account before changing payments or signing a modification.
General educational information. Your contract, location, and dates matter. Ask for advice about your circumstances before making legal or payment decisions.
Read the payment schedule, not only the starting payment
Identify the amount financed, stated APR, loan term, payment changes, and any expected prepayment. Ask for the cash price and compare it with the financed price without assuming the entire difference is a dealer fee. Keep the funding date and completion certification alongside installation and PTO records. Review the notice and dispute provisions in both the installation agreement and the loan.
Build the review file
Signed installation and finance agreements, lease or PPA; the proposal and disclosures; signing records; utility bills and production reports; photos and inspections; messages and complaint responses; permit, PTO, warranty and account notices.
Common mistakes to avoid
Do not delete original messages, crop away dates, or send only the signature page. Do not assume a complaint stops a payment obligation or a deadline. Before accepting a repair, buyout, or release, identify what it changes. You can contact us even if records are incomplete; tell us what is missing.
Questions homeowners ask
Do I need every document before contacting you?
No. Start with what happened and what records you have. The team can explain what additional material may be useful and how to share it securely.
Does this problem mean I can cancel or stop paying?
This page cannot determine that. The agreements, parties, evidence, and applicable rules need individual review. Do not change payments based on a calculator or this guide.
What happens after a free review request?
Our intake team reviews the inquiry and contacts you using the details supplied. Any retained investigation or representation requires a separate agreement describing scope and fees. This is not an emergency response service.
Prepare your next step
Related guidance
Further consumer information
CFPB — Solar Financing (August 2024; historical report)
FTC — Solar Power for Your Home
Agency resources provide background, not a decision about your contract. Tax rules and company arrangements can change; historical material is not current eligibility advice.