Solar Installer Bankruptcies 2026: Full List & Rights [Data]

Quick answer: If your solar installer files bankruptcy or shuts down, do not assume the loan, lease, warranty, UCC filing, or repair problem disappears. Verify the bankruptcy docket, preserve the contract and notices, ask who now services the account, and check whether the lender, servicer, warranty provider, or bankruptcy claims process is the right next step.

The residential solar industry has seen a wave of shutdowns, restructurings, and bankruptcy filings since 2024. For homeowners stuck with loans on non-operational or underperforming systems, this raises a critical question: what happens to your claims when the installer goes under? For the wider picture of how these failures fit alongside lender disputes and state enforcement, see the 2026 Solar Scam Report.

This page explains the document trail and legal framework to review when an installer is insolvent, reorganizing, liquidating, or no longer servicing customers. Many of these failures trace back to the same structural weakness described in why the solar dealer model leaves homeowners stuck: the seller, the installer, and the lender are three different companies.

Disclaimer This article is informational, not legal advice. Consult a qualified attorney for your specific situation.

For lease and PPA customers, pair this tracker with the solar company bankruptcy PPA and lease options guide. Bankruptcy usually changes who answers the phone, but it does not automatically erase the contract, loan, warranty problem, or lender defenses.

If a separate solar loan is already billing for an unfinished system, failed final inspection, or missing utility approval, use the solar loan payments before PTO or final inspection guide to build the project and financing timeline.

How To Verify a Solar Bankruptcy

Before relying on a rumor or sales-rep statement, verify the company name, court, chapter, case number, petition date, and any claims deadline. Bankruptcy notices, PACER records, SEC filings, and company notices are stronger evidence than social media posts.

Record	Why it matters
Bankruptcy petition or docket	Confirms chapter, court, debtor entity, and case number
Claims bar date notice	Sets the deadline for filing a proof of claim
Asset-sale order	Shows whether service obligations moved to a buyer
Loan or lease servicing notice	Shows who still collects payment
Warranty transfer notice	Shows whether workmanship or equipment coverage changed

The automatic stay in 11 U.S.C. Section 362 generally applies to specified actions against the debtor and property of the bankruptcy estate. An installer's filing does not automatically stay collection by a separate lender or servicer against the homeowner, cancel the homeowner's loan, or suspend deadlines outside the bankruptcy case. Verify which legal entity filed and what the docket and court orders cover.

Which Solar Companies Should Homeowners Check?

Treat this as a starting list for document review, not a final legal conclusion about every related entity, affiliate, or customer contract.

Freedom Forever — Chapter 11, April 2026

Status Filed Chapter 11 in Delaware (Case No. 26-10522); former #1 national contractor (~6.1% market share)
Key issues to verify orphaned 25-year production guarantee, unenergized systems without PTO, Mosaic Funding debt ($114M)
What to do Read our full Freedom Forever Bankruptcy & Loan Cancellation Guide or review the Freedom Forever company profile

PosiGen — Chapter 11 Liquidating Plan, November 2025 – February 2026

Status Chapter 11 liquidating plan confirmed; orderly wind-down of 40,000+ customer lease portfolio
Key issues to verify double-pledged solar asset allegations, CT Green Bank $22M lawsuit, UCC-1 fixture filing removal
What to do Read our full PosiGen Bankruptcy & Double-Pledged Lease Guide

Sunnova — Chapter 11, June 2025

Status Filed Chapter 11, continuing operations under restructuring
Key issues to verify servicing notices, lease or PPA owner, payment address, warranty handling
What to do Read our full Sunnova investigation

SunPower — Chapter 11, August 2024

Status Filed Chapter 11, assets sold to Complete Solaria
Key issues to verify buyer notices, warranty administrator, lease or PPA owner, service obligations
What to do Read our full SunPower investigation

Titan Solar Power — Chapter 7, June 2024

Status Chapter 7 liquidation (no reorganization, company dissolved; 150,000 households stranded)
Key issues to verify broken inverters, bankrupt 30-year repair promise, GoodLeap and Mosaic loan disputes
What to do Read our Titan Solar 30-Year Warranty & GoodLeap Loan Forgiveness Guide and our Titan Solar investigation

Lumio — Chapter 11, September 2024

Status Filed Chapter 11 in Delaware
Key issues to verify sale order, service continuity, customer claims process
What to do Read our full Lumio investigation

ADT Solar — Wound Down, January 2024

Status Ceased operations, not a formal bankruptcy but effectively defunct
Key issues to verify ADT notices, workmanship warranty handling, third-party service options
What to do Read our full ADT Solar investigation

Pink Energy — Chapter 7, October 2022

Status Liquidated; multi-state AG investigations followed
Key issues to verify bankruptcy notices, equipment warranty route, lender dispute route
What to do Read our full Pink Energy investigation

Installer Bankruptcy Does Not Decide a Separate Lender Dispute

Many homeowners assume that when an installer files bankruptcy, their dispute is dead. That is not always true. The right path depends on the financing documents, bankruptcy notices, warranty language, and whether a separate lender or servicer is still collecting.

The FTC Holder Rule (16 CFR § 433)

If your solar loan includes the FTC Holder Rule notice, you may be able to assert against the lender claims or defenses you could assert against the seller. That can matter when the installer no longer exists, but the lender or servicer still demands payment.

Compare the financing agreement to the installation contract.
Preserve proof of misrepresentation, defective installation, or non-performance.
Ask who owns and services the loan.
Get legal advice before missing payments or filing arbitration.

The Financing Agreement Controls

In almost all cases, the solar installation contract and the financing agreement are separate documents. The financing agreement determines:

Whether disputes go to arbitration or court
Which arbitration forum (JAMS, AAA) applies
Whether the lender or you pays arbitration fees
What state's law governs

Key insight Even if the installer is in Chapter 7 liquidation, the lender or servicer may still be part of the dispute if the financing documents preserve claims and defenses. If your financing company (such as Solar Mosaic or Sunlight Financial) also entered Chapter 11 bankruptcy, read our dedicated guide: When Both Your Solar Installer and Lender Go Bankrupt: Who Do You Owe?.

Bankrupt Installer Relief

Did Your Solar Installer Go Bankrupt or Abandon Your System?

The solar salesperson was paid. The installer was paid. The finance company drafts money from your account every month. And when you look for a solar lawyer, the conversation often turns to retainers, hourly rates, and money upfront.

Before paying a lawyer out of pocket, there is a critical question worth asking:

“Could any applicable law, based on your facts and jurisdiction, allow attorney fees to be sought from the other side?”

Asking you to pay is simple. Evaluating potential statutory fee-shifting under state UDAP laws, TILA, and deceptive trade practices requires investigating your actual contract and disclosures.

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What to Gather Before Contacting an Attorney

Your financing agreement (the loan or PPA document — this is the most important document)
Your installation contract with the installer
Any change orders or addendums
Monthly statements from the lender
Bankruptcy notices received from the court or trustee
Communications with the installer, lender, and utility
Photos of the installation and any defects
Permit records from your local building department
PTO documents (or proof PTO was never granted)
Proof of damages (repair estimates, utility bills showing no production)

A CFPB complaint about a solar loan can route a financing or servicing issue to the company for a response. Filing a complaint does not automatically pause payment, collection, credit reporting, litigation, or contractual deadlines, and it does not guarantee relief. Keep monitoring notices and ask for any payment or reporting accommodation in writing.

Sources and Official References

Evidence-First Intake

Their Shortcut Is Your Wallet. Our Starting Point Is Your Evidence.

Why call Firm #1… then Firm #2… then Firm #3 repeating your story, uploading files over and over, and waiting to see who is interested?

The Old Way

“Please take my case. How much is your retainer?”

Homeowners get screened for how much money they can fund upfront before anyone reviews the disclosures.

The Informed Starting Point

“Here are the facts and documents I have. Is this something you can evaluate?”

Build your timeline and file once. Let participating firms review the documentation and decide whether to reach out.

Start my eligibility quiz → Upload documents once · Direct review by participating consumer-protection firms

FAQ

If my installer went bankrupt, can I stop paying my solar loan?

Do not stop paying without legal advice. The loan is usually with the lender or servicer, not the installer, and missed payments can create credit, collection, or default issues. Instead, preserve documents and review whether the FTC Holder Rule, state consumer law, warranty terms, or bankruptcy claims process applies. Learn more about the Holder Rule here.

Will the bankruptcy court pay me anything?

Bankruptcy distributions to unsecured consumer claimants depend on the chapter, assets, secured creditors, claims deadline, and confirmed plan. Consumer claims in liquidation can be difficult to collect, so also review lender, servicer, warranty, and insurance routes.

What if my warranty is now worthless?

Lost warranty value can be important evidence. Document the warranty terms, bankruptcy notices, service denials, and third-party repair quotes before asking a lender, servicer, bankruptcy court, regulator, or attorney to review the claim.

Which lenders should I check after an installer bankruptcy?

Start with the lender or servicer named on your statement, then compare it with the installer contract, financing agreement, and any bankruptcy or transfer notices. Each lender or servicer can have different arbitration clauses, dispute addresses, and claim procedures.

Can my GoodLeap solar loan be forgiven because Titan Solar went bankrupt after promising 30 years of free repairs?

Titan Solar's Chapter 7 liquidation extinguished its ability to fulfill its advertised "30-year complete warranty and free repair" promises. Because your loan agreement with GoodLeap is technically a separate financing contract, the debt is not automatically forgiven by the bankruptcy court. However, under the FTC Holder Rule (16 C.F.R. § 433), GoodLeap is subject to all defenses and claims you held against Titan. When a system breaks (such as a blown inverter or failed optimizer) and the promised repair warranty is gone, homeowners can assert failure of consideration against GoodLeap to demand loan balance write-downs or offset out-of-pocket repair costs against the loan principal.

All Solar Company Investigations

State-Specific Resources

Standardized Case Preparation

Understand the Possibilities Before You Pay to Proceed.

The solar company has lawyers. The finance company has lawyers. You should have an opportunity to understand your own situation too—before assuming you must fund all legal costs yourself.

Question Fee-Shifting

Asking for a retainer is simple. But state UDAP laws, TILA § 130, and consumer statutes often allow attorney fees to be sought from the fraudulent company.

Build Your Evidence

Not how much is in your bank account, but what did they promise? What did you sign? Did your electric bill drop as promised? Where are the texts and proposals?

Build It Once

Stop repeating your trauma to Firm #1, #2, and #3. Tell your story once, upload documents once, and let participating law firms evaluate whether to reach out.

Read the complete fee-shifting & legal cost explainer ▼

The solar salesperson may have been paid. The installer may have been paid. The finance company may be taking money from you every month. And now you have reason to believe something is seriously wrong.

So you Google: “Solar fraud lawyer.” And what happens next? You tell someone your story. They ask a few questions. And eventually, the conversation turns to: How are you going to pay for legal services? Retainer. Hourly rate. Money upfront.

Those arrangements may be appropriate in some matters. But before assuming that paying a lawyer is your only option, ask: “Could any applicable law, based on the facts and jurisdiction, allow attorney fees to be sought from the other side?”

The answer depends on the law, the contract, the claims available, the evidence, and the outcome. Asking you to pay is simple. Evaluating potential fee-shifting requires investigating your contract, financing terms, utility bills, texts, cancellation attempts, and consumer-protection statutes.

Their shortcut is your wallet. Our starting point is your evidence. Tell your story once. Upload your documents once. Build the timeline once. SolarPanelScams.com helps organize the information and prepare the matter for potential attorney review.

Let THEM decide whether to reach out. Then you decide whom, if anyone, you want to speak with.

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You may already have paid the solar company, installer, or finance provider. Before committing additional money, make sure you understand what options may be available to you.

Disclaimer: SolarPanelScams.com is not a law firm and does not provide legal advice. It does not determine whether a claim exists, whether attorney fees may be recoverable, whether a matter qualifies for representation or whether any result is likely. Potential attorney-fee recovery and representation depend on applicable law, facts, claims, evidence, procedure and outcome. Participating law firms may decline to review or accept a matter. No result is guaranteed.