Frequently Asked Questions

There are instances when we feel persuaded to accept cases that aren't as factually strong as yours (meaning the body of proof or documentable evidence is more subjective than objective), because those cases are more likely to stretch out to trial we only accept those cases on a "retainer deposit" and then we bill the client monthly for fees and expenses allowing us to collect significantly more money in the long run(under the retainer/monthly fees model). Unfortunately the retainer + monthly billing model actually precludes us from being able to offer representation to a significant portion of the clients who are seeking our help and that really need our services. Primarily because they can't afford to pay a $10,000 to $15,000 retainer and then pay $3,500- $6,000 a month for hourly fees and then wait the 2-3 years period until we win at trial so they can get their money back.

When a successful settlement is achieved, the lien is typically released within 7-10 days of the Settlement Agreement and Non-Disclosure Agreements being signed by all parties the process begins immediately following the signing of the settlement agreement. A Satisfaction/Release of Lien is recorded in the respective county records in which the client resides.

Looking at it historically, in 2020 and 2021 our average case settled in approximately 19.8 months, by 2023 that timeframe improved to 14.3 months, in 2024 (per our year end case audit figures released in February 2025) we reduced our average settlement time frame down to 12.7 months. So what changed? In 2020-2021 things slowed due to changes in COVID restrictions, 2-22-2023 improved due to us demonstrating our willingness to take the cases to trial and win. Both trial wins and "eve of trial settlements" always resulted in significantly higher losses to the finance companies(including us collecting an average of $75,000 to $100,000 in attorneys fees). Potentially more impactful was the finance companies learned that by losing at trial they deprived themselves of the benefit of having us/our clients sign Non-Disclosure Agreements regarding their illegal activities. As time progressed, we both refined our litigation process and established a track record of only accepting cases under our "flat fee retainer program" that we considered EXTREMELY winnable.

As each year passes we strive to improve our processes and efficiencies unfortunately at this juncture I fear we may have reached the apex of efficiency that the legal process will allow for. Our law firm utilizes an encrypted network of servers hosting our highly customized, proprietary, CRM for real-time Client case tracking. This technology helps us accomplish in the first 30-60 days of representation what most law firms don't accomplish in the first 8-12 months(seriously).

NO, we constantly look to improve our organization's litigation efficiencies and we strive to perfect our internal process of converting case facts into successful litigation. Efficiency is essential because we do not bill clients accepted under our "flat fee retainer program" by the hour. So regardless if we spend 50 billable hours or 500 billable hours working on your case, you never pay additional money to Covar Law for representation in your case. Any additional attorney costs and fees that are accrued are collected from the opposing party as part of the settlement and we often waive our fees if is helps us gain a settlement for our clients.

YES, Clients that promptly and eagerly cooperate, really help to improve our efficiencies, and we can move things along surprisingly quickly. The more comprehensive and accurate the information is that you provide to us the more effectively we can advance the process.

Below is a brief overview of the timeline and steps we adhere to, once a "flat fee retainer" client has decided to retains us:

As soon as your retainer is signed and payment is collected, clients are directed to fill out the Customer Questionnaire https://www.covarlaw.com/solar-sales-questionnaire. We use their answers to craft a Sworn Affidavit in their own words. Next you'll receive another CovarLaw.com link to our "secure credit information" portal.

Inputting this information allows us to send out, through certified mail, the proper Notices to Credit Bureaus(you will be CC'ed). From there we will prepare and send out through certified mail, your Notice of Intent to Litigate and initial Demand for Settlement. ALL of that happens in less than 30 days. While that is happening we simultaneously prepare your Consumer Finance Protection Bureau(CFPB) official Complaint and Request for Investigation, your Federal Trade Commission Complaint and Request for Investigation, and your State Attorney's General Complaint and Request for Investigation. We hold those Complaints ready for filing with the respective agencies until such time as the Respondents(Solar Company/Finance Company) have made their initial compulsory denial to pay the full Settlement Demands(they historically NEVER pay the initial full demand).

Then the finance company typically attempts (and fails) to invoke the "Arbitration Clause" written into their Financing Agreement, in hopes of mitigating their losses early (we don't permit that to occur, simply because an "Arbitration Clause", contained within a fraudulently induced contract/agreement, is unenforceable). Throughout the preceding years, we have had multiple opportunities to consult with Enforcement Agents from the IRS, FTC, CFPB, and both the Florida Attorney's General and the Minnesota Attorney's General Offices, and others, regarding the specifics of each finance company's Financing Agreements and the deceptive nature of the collusion between the solar sales organizations and the finance companies. As a result, we are confident in stating that it is both our position, as well as the Government's position, that the finance company's willful engagement in unlawful and potentially illegal conduct renders their Arbitration Clause as wholly inapplicable, non-binding and unenforceable.