Fort Worth & Tarrant County, Texas
Across Fort Worth, homeowners have reported the same pattern: a door-to-door sales pitch promising a lower bill, a system that was never fully authorized to run, a loan payment that arrived anyway, and an installer that stopped answering the phone. In Bennett Legal's own review of public Texas lien filings, Tarrant County carries the highest single-county concentration of active residential solar liens we've identified in North Texas — 5,310 filings.
A free document review tells you where you actually stand: what the contract says, whether the system was ever authorized to run, and whether the lender or installer can be held to what you were told.
Bennett Legal is located in Dallas, a short drive from Fort Worth and the rest of Tarrant County. That means an in-person meeting is genuinely available if you'd rather sit down with someone, and Charles Bennett has real, working familiarity with Tarrant County practice — not just a phone number and a mailing address.
Free review. No obligation. We'll tell you honestly whether you have something worth pursuing.
Source: Bennett Legal review of public Texas UCC-1 lien filings, Tarrant County.
Start here
Most Fort Worth homeowners who find this page are asking one of five things. We've answered them directly rather than making you read to the bottom.
Because a solar loan payment and your electric bill are two separate obligations to two separate companies. In the DFW market, Oncor delivers your electricity and handles the technical interconnection of your solar system, while your retail electric provider sets your price and controls any buyback or export credit. A solar loan payment does not touch either of those bills. If your system underproduces, was never fully authorized to operate, or simply doesn't work, you can end up paying a loan payment and a nearly unchanged electric bill at the same time.
More detailUsually, yes — and that gap is often exactly the problem worth pursuing. The financing is a separate contract with the lender, not the installer, so it typically survives the installer closing, going bankrupt, or simply stopping responses. That the company that sold and built the system is no longer around to fix it does not, by itself, cancel what you owe.
More detailNo. Bennett Legal's office is in Dallas, a short drive from Fort Worth and the rest of Tarrant County, and we regularly meet Fort Worth clients in person when it's useful to the case. That's a genuine option here in a way it isn't for cities farther from the DFW metro — where we're upfront that service is remote.
More detailNot on the house itself — on the solar panels. Solar financing is typically secured by a UCC-1 fixture filing covering the system, which is treated as a permanent fixture attached to your home. That filing shows up when a title company runs a search, and it can complicate or delay a sale, a refinance, or a transfer of the property until the loan is paid off or the lien is released.
More detailSometimes, depending on the documents and the facts. What matters is what you were told at the door, what you actually signed, whether the system was ever properly interconnected and authorized to operate, and whether required disclosures were made. Nobody can responsibly promise cancellation before reading your contract, but a review costs nothing.
More detail5,310
Active UCC-1 solar liens identified against Tarrant County homeowners
Bennett Legal's own review of public Texas lien filings — highest single-county concentration in North Texas
818%
Increase in solar complaints to the Texas Attorney General
Statewide, 2018 through 2023
57%
Fort Worth owner-occupied housing rate
U.S. Census Bureau QuickFacts — homeowners carry the loan and the lien the longest
Español
Solar loan reviews available in Spanish
Fort Worth and Tarrant County
A lien filing is not a complaint — it shows which lenders financed the most systems in Tarrant County, not that any particular transaction was improper. Statewide complaint figures cover residential solar generally, per Texas Appleseed's analysis of Texas Attorney General and Texas Department of Licensing and Regulation complaint records, 2018 through 2023.
What to bring
A real answer comes from documents, not from a phone description. Bring whatever you have — and if something is missing, we can usually tell you where to get it. Most homeowners are missing at least half this list, and that's not a problem.
How we help
You can call the lender and the installer yourself, and many Fort Worth homeowners try that first. The usual result is months of transfers, a promise that someone will look into it, and no change to the monthly payment. Meanwhile the lender holds a signed contract, an arbitration clause, and a filing against your system.
A lawyer changes what the other side has to respond to. Here's the specific work that gets done on your behalf.
Find out what you actually signed
Most homeowners never received a complete copy. We obtain the full contract package and the electronic signature audit trail — timestamps, devices, IP addresses, completion certificates — and read what's actually in it.
Compare what was promised to what you got
The sales proposal, the production estimate, and your real retail electric provider bills tell a story side by side. That gap between promise and performance is often the core of the claim.
Check whether the system was ever legal to operate
We pull the Oncor interconnection application, inspection records, and Permission to Operate documentation. Homeowners have been billed for years on systems Oncor never authorized to turn on.
Go after the lien on your system
The UCC-1 fixture filing is what blocks a sale or refinance. Pursuing its release is a specific piece of legal work, and we treat it as part of the remedy rather than an afterthought.
Handle the arbitration clause
Your contract almost certainly forces arbitration instead of court. We file and run the arbitration, select the arbitrator, and press the lender to produce what it has.
Check the salesperson's Fort Worth permit
Fort Worth requires a permit for door-to-door and solicitation sales. If your solar sale started with a knock at the door, whether that permit existed — and whether you received the written proposal and cash price the ordinance requires — becomes part of the file.
Not sure whether you have a case?
That's exactly what the free review is for. No cost, no obligation, and a straight answer about where you stand.
The two-bill problem
This is the single most common surprise we hear from Fort Worth homeowners, and it's worth being precise about — because in the Dallas–Fort Worth market, four different companies are involved, not one.
Oncor delivers electricity to your home and handles the technical work of interconnecting a solar system to the grid — the application, the interconnection agreement, the inspection, and the Permission to Operate letter. Separately, your retail electric provider sets your price, sends your bill, and controls any buyback or export-credit program. The solar lender or its servicer is a third company, and the installer who sold and built the system is a fourth. Each has a different job and a different obligation to you.
So if a salesperson told you your electric bill would disappear, that wasn't accurate. And if your system is underperforming, was never properly commissioned, or was never authorized to operate, you may be paying both a solar loan payment and a nearly unchanged retail electric bill.
Sources: Oncor residential and small commercial solar interconnection materials; Oncor distributed generation FAQs. Utility requirements change — confirm current requirements with Oncor.
Local context
Fort Worth requires anyone selling door-to-door, including solar salespeople, to hold a solicitation permit issued by the city and to provide certain written disclosures before a homeowner signs. If your solar sale started with a knock on the door, whether the salesperson or the company actually had that permit — and whether you were left with a written proposal and a cash price — is a genuinely useful question to ask, and one we ask on intake.
Statewide, the pattern documented by Texas Appleseed is consistent across Texas's largest counties, and Tarrant County — Fort Worth's home county — is among the counties with the highest total residential solar complaint counts in the reviewed state records. That covers residential solar complaints generally; it is not a count of complaints against any single lender, and a complaint is an allegation, not a proven finding.
We're candid that we serve some Texas cities remotely — by phone, video, and mail. Fort Worth is different. Bennett Legal's office is in Dallas, a short drive from Fort Worth and the rest of Tarrant County, and Charles Bennett practices regularly in North Texas courts and arbitration forums. When it's useful to your case, we can meet in person rather than only by phone.
Solar financing is usually secured by a UCC-1 fixture filing covering the system itself, not a mortgage-style lien against your house. That distinction sounds technical until you try to sell — and with 57% of Fort Worth households owner-occupied, a higher share of homeowners here eventually run into that filing at exactly the wrong moment: in the middle of a sale or refinance.
What to expect
Solar loan and installation contracts nearly always contain a mandatory arbitration clause, and Texas courts generally enforce them. That means your matter will likely proceed through a private arbitration forum rather than a Tarrant County courthouse. That's not automatically bad news — arbitration is often faster than a crowded court docket, and most of the process is handled remotely and in writing.
The signing record is central evidence
Timestamps, IP addresses, device details, document-open times, and completion certificates all form part of the record. If what you signed is genuinely in question, that material needs to be obtained and analyzed properly.
Time matters
Deadlines, notice requirements, and evidence preservation all favor homeowners who get advice early rather than after a collection or credit-reporting problem has started.
Timeline: several months to well over a year, depending on how the lender responds and how quickly an arbitrator is appointed. Anyone who gives you a firm date is guessing.
Is this you?
The installer is gone, but the loan is still here
The financing obligation can survive an installer's closure, bankruptcy, or disappearance, leaving the homeowner paying for work nobody is left to finish or fix.
Paying a solar loan and a full retail electric bill
A loan payment doesn't replace an electric bill. Underperformance, incomplete commissioning, or a system that was never authorized to operate can leave a Fort Worth homeowner carrying both.
The system was never finished, or never turned on
Often traces to a missing Oncor interconnection approval, a failed or skipped inspection, or no Permission to Operate.
The lender's bankruptcy created confusion about the loan
Sunlight Financial completed a Chapter 11 restructuring in December 2023. That process changed the company's ownership — it did not automatically cancel any individual homeowner's loan.
A door-to-door sale with no permit and no paperwork
Fort Worth requires a solicitation permit for door-to-door sales and specific written disclosures. Homeowners frequently report signing on a tablet at the door with no printed proposal left behind.
A tax credit that never applied
Eligibility depends on your actual tax situation. Homeowners are frequently promised a credit nobody ever checked they could claim.
A lien that surfaces at sale or refinance
A UCC-1 fixture filing covering the system, discovered by a title company at the worst possible moment — a particular risk in a market with a 57% owner-occupancy rate.
One homeowner. One solar loan.
Sunlight Financial relied on this homeowner not knowing her rights. Here's what Bennett Legal recovered when she called us.
$113,000
Solar loan cancelled in full
Sunlight Financial
$58,000
Cash paid to our client
Plus full credit repair
$170,000
Total financial recovery
UCC filing released
What Sunlight Financial agreed to:
Past results do not guarantee future outcomes. Each case is evaluated individually.
Your attorney
Texas State Bar No. 24086454 · Bennett Legal · Dallas, Texas
Charles Bennett is the attorney responsible for every solar matter this firm handles. He represents Texas homeowners in consumer arbitration against solar lenders and installers, with an active docket of solar financing matters across North Texas.
Bennett Legal's office is in Dallas, a short drive from Fort Worth and the rest of Tarrant County. Charles regularly handles matters arising in Tarrant County and is familiar with local practice in North Texas arbitration forums — and where an in-person meeting would help a client's case, that option is on the table.
Questions
Stopping payment on your own has consequences, including negative credit reporting, and it isn't a decision to make without advice. Talk to a lawyer about your specific situation before you change how you're paying.
On the panels. Solar financing is typically secured by a UCC-1 fixture filing covering the system, not a mortgage-style lien on the house. Because the panels are permanently attached, that filing still surfaces on a title search and can complicate a sale, refinance, or transfer until the loan is satisfied or the lien is released.
Usually not. The loan is a separate obligation owed to the lender, and it commonly survives the installer's closure. The gap between who took your money and who is left to answer for the system is frequently the heart of the case.
Not automatically. Several major solar lenders, including Sunlight Financial, have gone through Chapter 11 restructuring in recent years. A corporate restructuring changes who owns the loan — it does not, by itself, cancel an individual homeowner's obligation. If your installer disappeared, your system never worked, or the sale was based on inaccurate promises, the loan and the underlying sale need to be reviewed together.
It can. The City of Fort Worth requires door-to-door and solicitation salespeople to hold a permit, and requires certain written disclosures before a homeowner signs. Whether the salesperson or company had the required authorization, and whether you received a written proposal and cash price, are both relevant facts we ask about.
Almost certainly not. Solar loan and installation contracts nearly always contain a mandatory arbitration clause, and Texas courts generally enforce them. Most of the process happens remotely and in writing, so it shouldn't require a courthouse appearance.
It can. Which language a document was presented in, whether it was explained to you, and whether you received a complete copy are all relevant facts. Bennett Legal handles these matters in Spanish as well as English.
The case review is free, and no, you don't have to come to us. We can review everything by phone, video, or email — but because Fort Worth is close to our Dallas office, an in-person meeting is genuinely available if you'd rather sit down with someone.
Where we work
We represent homeowners across Fort Worth and the surrounding Tarrant County communities where residential solar liens and complaints are most concentrated.
Fort Worth
Downtown, TCU/Westside, Wedgwood, Eastside
Arlington
Tarrant County
Mansfield
Tarrant County
North Richland Hills
Tarrant County
Keller
Tarrant County
Burleson
Tarrant County / Johnson County
Haltom City
Tarrant County
Watauga
Tarrant County
Benbrook
Tarrant County
Outside this service area? Learn more about solar panel financing fraud across Texas.
Bennett Legal can review your solar loan agreement, the electronic signing records, your retail electric provider bills, and what the salesperson told your family — by phone, by video, or in person, since Fort Worth is right down the road from our Dallas office.
Free review No obligation In-person meetings available Consultas en Español
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Bennett LegalCharles A. Bennett, Esq. — Texas State Bar No. 24086454. Principal office: Dallas, Texas, in the Dallas–Fort Worth metro area. Bennett Legal serves clients in Fort Worth and throughout Tarrant County.
Consumer complaints and allegations discussed on this page have not necessarily been proven in court. Prior cases, regulatory actions, and reported complaints do not guarantee a similar result in any individual matter. Each solar financing dispute depends on its specific contracts, communications, electronic records, and applicable law. Past results do not guarantee future outcomes.
Sources: Texas Appleseed, Dimming the Benefits of Residential Solar in Texas; Bennett Legal review of public Texas UCC-1 lien filings; Sunlight Financial SEC filings on its 2023 Chapter 11 restructuring; Oncor residential and small commercial solar interconnection resources; City of Fort Worth door-to-door and residential permit resources; U.S. Census Bureau QuickFacts, Fort Worth city, Texas.