Independent forensic contract review
If you are paying a solar loan and a power bill, something in your file did not work the way it was sold to you. We read every page and tell you exactly what your documents say — including the parts that do not help your case.
No charge. No obligation. We are not a law firm and we will never tell you to stop paying.
Why this keeps happening
None of this is our opinion. Every line below is sourced, and every source is named.
In March 2024 the Minnesota Attorney General filed suit against GoodLeap, Sunlight Financial, Solar Mosaic and Dividend Solar Finance, alleging concealed fees across nearly 5,000 loans.
Minnesota Attorney General, complaint filed 8 March 2024, Hennepin County District Court. Allegations only — not proven.
A federal regulator has documented dealer fees typically running 10–30% of the cash price, embedded in the loan principal and not shown in the cost of credit presented to the borrower.
CFPB, Solar Financing Market: Issue Spotlight, August 2024. A research report, not an enforcement action.
Where a markup is roughly the size of the federal credit, the benefit the sale was built on is absorbed before the homeowner ever sees it — and the credit itself is nonrefundable, so it lowers tax owed rather than producing a payment.
CFPB, August 2024; 26 U.S.C. § 25D.
Where a consumer credit contract carries the FTC Holder Rule notice, the holder of that contract is subject to the claims and defences the borrower could assert against the seller.
16 C.F.R. § 433.2.
How it works
Your solar contract, your financing agreement, and twelve months of power bills. If you cannot find them, we will tell you exactly how to request them.
You send three documents. We tell you whether there is anything here worth looking at. Roughly a third of the time the answer is no, and we say so.
Every figure traced to the page it came from. Everything unverified marked as unverified. Including the findings that go against you.
We are not a law firm and we do not take a fee from any attorney. Where your file warrants it, we introduce you to independent counsel licensed in your state.
What we do
We will tell you which service fits your file, and what it costs, before you commit to anything.
A first read of your paperwork, at no cost.
You send three documents. We read them and tell you, in writing, whether there is anything in your file worth pursuing — including when the answer is no.
The full forensic document review.
Every page of your paperwork, read line by line. Every figure traced to the page it came from. Everything we cannot verify is named as unverified and left blank — including the numbers that would help your case.
We assemble the whole file and hand it over.
Everything in The Audit, plus we do the collecting. Records requests, correspondence, the attorney binder — built and managed for you rather than handed to you as a to-do list.
What makes a report worth reading
In a Virginia file we finished this month, we had to write that the contractor was properly licensed — which killed an argument our client was hoping for. We put it in bold on page one.
In the same file, twelve months of the client's own power bills disproved one of our own findings. We printed the retraction at the top of the report rather than quietly deleting it.
That is the whole product. A report that only tells you what you want to hear is a sales presentation with a different cover — and no attorney will act on one.
Questions
No. We read documents. We do not pull your credit, contact your lender, or open or close anything in your name.
No. Consumer Solar Audit is not a law firm, does not provide legal advice, and does not represent anyone before any court or agency. Where a review identifies issues warranting legal review, we introduce you to an independent licensed attorney — and we receive no payment from any attorney for any introduction.
No. We do not negotiate, settle, or cancel anything, and we will never tell you to stop paying. Non-payment turns a documented dispute into a default and hands the other side its only strong argument.
Then we tell you that, in writing, and you have a clear answer instead of a worry. Our reports state the facts that go against a client's position as plainly as the ones that help — that discipline is the reason an attorney will act on one.
It depends on which service fits your file, and we will tell you before you commit to anything. The Rapid Review is free. Start there.
Within one business day, and usually the same day.
Send three documents. Get a written answer in about a day — including when the answer is that you have nothing to pursue.
Start my free Rapid Review