If your solar company went bankrupt, you may feel completely stuck — especially if you're still making payments on a system that has no support, no monitoring, and no warranty service. The situation is more common than most people realize, and the options available to you depend heavily on the structure of your specific agreements.

You Still Have a Solar Contract — Even If the Company Is Gone

This is the part that catches most homeowners off guard. When a solar installer goes bankrupt, the financing agreement — your loan, lease, or PPA — typically does not disappear with it. That's because your financial obligation is almost always with a separate entity: a lender like Mosaic, GoodLeap, or Sunlight Financial, or a leasing company like Sunrun or Tesla Energy.

• →Your financing agreement may still be fully active and enforceable
• →Your monthly payment obligations may continue regardless of the installer's status
• →The lender or lessor may have transferred your account to a servicing company you've never heard of

Who Is Responsible Now?

When the installer disappears, responsibility becomes fragmented. Understanding who you're actually dealing with is the critical first step before taking any action.

• →A lender — who holds your loan and expects monthly payments regardless of the installer's status
• →A servicing company — who may have taken over account management from the bankrupt installer
• →Equipment manufacturers — whose product warranties may still be valid and claimable independently
• →State contractor licensing boards — who may hold bonds that can be claimed against for incomplete work

Common Problems After Solar Company Bankruptcy

• →System not completed — panels installed but inverter, monitoring, or utility interconnection never finished
• →Panels not producing — system never properly commissioned or has been offline since the company closed
• →No maintenance or monitoring support — nobody to call when something goes wrong
• →Ongoing loan or lease payments — continuing to pay for a system that doesn't work or isn't complete
• →Lien on your property — UCC-1 filing that complicates refinancing or selling your home

Your Options If a Solar Company Goes Out of Business

The options available to you depend on the specific facts of your situation — the type of contract you have, the state you're in, how far along the installation was, and whether the system is currently producing. Here is a general framework of what may be available:

• →Warranty claims — against the equipment manufacturer directly (panels typically carry 25-year product warranties)
• →Service reassignment — some lenders have agreements with third-party service providers who can take over monitoring and maintenance
• →Contract dispute — if the bankruptcy constitutes a material breach of your service agreement, you may have grounds to challenge the financial obligation
• →Legal options — including claims against the installer's contractor bond, state consumer protection claims, or lender liability claims
• →Lien removal — if the company is dissolved, the UCC-1 lien on your property may be removable through a legal process

Get Help Understanding Your Solar Situation

Our team helps homeowners in exactly this situation — identifying the responsible parties, understanding what agreements are still active, and exploring realistic next steps. The review is free, and we'll give you an honest assessment of where you stand.