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Predatory Energy Financing
and PACE Loans
PACE assessments attach to your property, not just your credit — and the terms are often explained in a way that leaves homeowners surprised years later. If your financing didn’t match what you were told, that gap matters legally.
Federal disclosure law applied to PACE financing
Consultations are private and no-obligation
Tell us what happened and we’ll tell you where you stand
We read the assessment, not just the sales pitch
A Loan on Your Property Tax Bill
PACE (Property Assessed Clean Energy) financing is repaid as an assessment on your property tax bill. That structure changes what disclosure is required, what happens when you sell, and who has a claim against your home.
A federal court has confirmed that PACE loans are subject to the Truth in Lending Act — which means disclosure failures are not just unfair, they may be unlawful.
Common Patterns We See
Where energy financing most often goes wrong for Florida homeowners.
Undisclosed Terms
Rates, terms, and total cost never presented in a form you could actually review.
Hidden Dealer Fees
Kickbacks built into the financed amount that no one mentioned at signing.
Assessment Surprises
Homeowners learning about the lien when they refinance or try to sell.
Signature by Tablet
Documents e-signed on the installer’s device, sometimes without the homeowner present.
Ability to Repay
Financing approved without a meaningful look at whether you could afford it.
Debt That Changes Hands
Your loan sold on to a servicer you never chose and can’t get answers from.
Ask Yourself
- Were the financing terms explained to you in writing before you signed?
- Did you learn about a lien or assessment on your property after the fact?
- Was the loan amount larger than the price you were quoted?
- Has the loan been transferred to a company you never dealt with?
If you answered yes to any of these, it’s worth a conversation.
What You’ll Need Before You Start
Having documentation ready speeds up your case review.
- Your PACE assessment or loan agreement
- The Truth in Lending disclosure, if you received one
- Property tax bills showing the assessment
- Texts, emails, or recordings with the sales rep
- Any payoff or transfer notices from a new servicer
Missing something? Reach out anyway — we’ll tell you what to look for.
How It Works
Three steps, no jargon, no obligation.
Tell Us What Happened
Share the basics about your solar deal, your financing, or your billing dispute. It takes a few minutes, and it’s confidential.
We Review Your Documents
Contracts, loan paperwork, texts with the sales rep, and utility bills from before and after installation.
You Get Clear Answers
We walk you through whether you have a claim, what recourse looks like, and what the next step is.
Other Ways Homeowners Get Taken Advantage Of
Many cases involve more than one of these at the same time.
Solar Panel Fraud
Misrepresented savings, faulty installations, and deceptive sales practices.
Utility Billing Disputes
Billing errors, unauthorized charges, and utility company disputes.
Consumer Protection Claims
Broader claims where a company violated your rights as a consumer.
If Something Felt Off About Your Solar Deal
It’s worth a conversation — consultations are confidential. Tell us what happened and we’ll give you an honest read on whether you have a claim.