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Upgrade, Inc. Solar Loan: Investigation
Were You Enrolled in a Home Improvement Loan You Never Signed?
Did a contractor come to your home offering to help you make energy-efficient upgrades? Did Upgrade, Inc. attempt to collect from you? You may have been enrolled in a home improvement loan that was never legally formed.
You are not alone. These practices may be illegal, and you may have powerful rights under California law. Attorneys at Kemnitzer, Barron & Krieg have filed a class action lawsuit representing a consumer in this situation.
Know Your Rights Under California Law
The Legislature enacted California’s Home Solicitation Sales Act (HSSA) to protect consumers from high-pressure or deceptive sales tactics that occur in their homes—where it can be hard to walk away.
The law requires that:
What May Have Happened to You
- The buyer must sign and date the contract or loan agreement.
- The contract must clearly inform you of your right to cancel—with specific language, placement, and attached forms.
- If the lender does not follow these basic requirements, there may not be a valid agreement—and you may cancel the transaction at any time, even months or years later.
We are currently representing a consumer who:
- Does not have any signed agreement with Upgrade
- Later learned that Upgrade was holding him responsible for tens of thousands of dollars in home improvement loans
- Upgrade harassed for payment—even after properly canceling the alleged agreement
Upgrade and partner banks may have failed to obtain a valid, signed agreement from consumers.
You May Be Entitled To:
✅ Cancellation of any alleged loan
✅ A full refund of any payments you’ve made
✅ Protection from future collection efforts
✅ Representation at no cost to you
Contact Us
You may have legal options if your name appears on a loan for a home improvement project you never signed. Our firm is already representing affected consumers and is actively pursuing legal remedies for others who have experienced the same unlawful practices.
For more information, visit this page.
Attorneys cannot guarantee results or a specific outcome for any case.