My solar company went bankrupt. Can I still cancel my loan?

Yes — potentially. Under the federal FTC Holder Rule, lenders who financed your solar purchase can be held directly responsible for the installer's misconduct. This means you may be able to cancel or reduce your loan even after the installer has disappeared or filed for bankruptcy. This is one of the most powerful and underused legal tools in solar fraud cases, and it is a core part of how Nation Consumer Advocates builds these cases.

What if I have already made payments on my solar loan?

Payments you have already made may be recoverable as damages in addition to loan cancellation. Under TILA and state consumer protection statutes, you may be entitled to a refund of amounts already paid, plus statutory damages on top of that amount.

What does contingency fee mean?

It means you pay Nation Consumer Advocates nothing unless we recover money for you. Our fee comes out of the recovery. Under federal and state consumer protection laws, the defendants are often required to pay your attorney's fees separately — meaning you may receive your full recovery with no deduction.

I signed a contract with an arbitration clause. Does that prevent me from suing?

Not necessarily. Many arbitration clauses in solar contracts are unenforceable due to how they were presented, or because the fraud in the underlying transaction voids the clause. Additionally, individual arbitration under TILA and state consumer protection statutes can be highly effective — sometimes more so than class litigation. We evaluate every arbitration clause before advising clients on strategy.

What is a PACE loan and why is it more dangerous than a regular solar loan?

A PACE (Property Assessed Clean Energy) loan is attached to your property taxes rather than your personal credit. The debt follows your home, not you as an individual. If you default on payments, the lender can initiate foreclosure proceedings — the same consequence as defaulting on a mortgage. Many homeowners were never told this, and were not told that a PACE loan would prevent them from selling or refinancing their home until they tried to do exactly that. If you were placed in a PACE loan without proper disclosure, you have strong rescission and damages claims.

How do I know if I have a case?

The fastest way to find out is a free case evaluation from Nation Consumer Advocates. Generally, you likely have a claim if you were misled about the cost or savings of your system; your loan contains fees you were never told about; your system significantly underperforms; or the company you contracted with has filed for bankruptcy and you are still being billed.

Is there a deadline to file my claim?

Yes — and this is critical. Statutes of limitations vary by state and by type of claim, but typically range from 1 to 4 years from the date of the contract or the date you discovered the fraud. If you signed a solar contract in 2021, 2022, or 2023, your deadline may be approaching or may have already passed for some claims. Do not wait. Contact Nation Consumer Advocates for a free evaluation today.

Solar Panel Fraud & Consumer Protection

Solar Panel Fraud Lawyer — Fight Back Against Deceptive Solar Companies

Misled about savings? Stuck paying a loan after your installer went bankrupt? Hidden dealer fees buried in your contract? Nation Consumer Advocates fights solar fraud in Florida, Texas, New York, and California. Free case evaluation. No fee unless we win.

Get a Free Case Evaluation Call (833) 662-7726

You may be responsible for case costs and expenses. We will explain how costs are handled in your matter.

746%

Increase in FTC solar fraud complaints, 2018–2023

$275M+

Alleged fraud by one company in New York alone

$57M+

Solar industry legal settlements since 2018

Prior results do not guarantee a similar outcome. You may not obtain the same or similar results. Each case is different.

Are You a Victim of Solar Panel Fraud?

Solar fraud does not look like a street scam. It looks like a salesperson at your door promising a government program will cover the cost. It looks like a loan document where the interest rate seems low — until you discover a $20,000 platform fee buried in the principal. It looks like a system that never produces the energy you were promised, from a company that has since filed for bankruptcy.

You may have a claim if:

A salesperson told you a government program, tax credit, or incentive would cover most or all of the cost — and it did not

Your solar loan has fees you were never told about — sometimes called dealer fees or platform fees

Your energy bills have not gone down after installation — or actually increased

Your system was installed incorrectly, without permits, or was never fully completed

The solar company that sold you your system has filed for bankruptcy — including SunPower, Freedom Forever, Lumio, Mosaic, Sunnova, or Titan Solar

You are still being asked to repay a loan even though the company that installed your system is gone

You are elderly or on a fixed income and were specifically targeted by door-to-door solar sales representatives

You were pressured into signing documents you did not fully understand

You discovered your contract was signed or altered without your knowledge

Your solar loan is attached to your property taxes (a PACE loan) and is threatening your ability to sell or refinance your home

Residential home with solar panels installed on the roof

IMPORTANT: If your solar company has filed for bankruptcy, you may still have strong claims against the lender who financed your system. The federal FTC Holder Rule holds lenders directly responsible for the misconduct of the companies they funded. Your loan can potentially be canceled — even if the installer no longer exists.

See If You Have a Claim

The Playbook Solar Fraudsters Use

These are not isolated incidents. Government investigators and courts have documented the same deceptive tactics being used by multiple solar companies across the country.

Consumer signing a solar contract on a digital tablet

Deceptive solar contracts have cost homeowners tens of thousands of dollars

The Free Solar Pitch

Salespeople — often going door to door — tell homeowners that government programs, federal tax credits, or utility company incentives will make the solar system essentially free. In reality, consumers are signed into loans of $30,000 to $100,000 or more. The incentive is a tax credit the homeowner must qualify for and file for themselves — it is not a cash payment from any government agency.

Hidden Dealer Fees Buried in Your Loan

Lenders pay solar installers a dealer fee or platform fee — often 15 to 30 percent of the loan value — that is secretly added to the loan principal. A homeowner is told their loan is $44,000. The actual principal is $70,000. The difference is a hidden fee they never agreed to and were never told about. This is one of the most common solar fraud complaints in current litigation.

Inflated Savings Projections

Sales contracts include energy production estimates and savings projections that are deliberately overstated. Systems are installed on shaded roofs, wrong-facing roofs, or sized too small for the home's actual energy consumption. The promised savings never materialize — and in many cases, energy bills actually increase.

Forged and Altered Contracts

Multiple attorney general investigations have documented cases where salespeople forged homeowner signatures, altered contracts after signing, or had consumers sign blank electronic documents that were later completed with inflated loan figures. Connecticut's Attorney General sued Sunrun after salespeople were found to have forged contracts for deals the homeowners had explicitly rejected.

The Government Program Impersonation

Salespeople falsely imply they represent the utility company, local government, or a federal clean energy program. Some claim to be checking homes for eligibility in a government solar initiative. The FTC's Impersonation Rule, effective April 2024, makes impersonating or falsely claiming endorsement by a government agency a federal violation.

The Bankruptcy Trap

After collecting loan proceeds from lenders, solar companies declare bankruptcy — leaving homeowners with broken or underperforming systems, a loan they still owe, and no direct recourse against the installer. The lender then continues to collect payments. Freedom Forever, Lumio, SunPower, Sunnova, Mosaic, and Titan Solar have all filed for bankruptcy, leaving hundreds of thousands of customers in this position.

PACE Loan Abuse

Property Assessed Clean Energy loans are attached to the homeowner's property taxes rather than their personal credit. Many homeowners are never told that a PACE loan can prevent them from selling or refinancing their home, or that default can trigger foreclosure proceedings. In March 2024, Los Angeles County reached a $12 million settlement with customers over predatory PACE solar lending.

Solar Companies and Lenders Facing Legal Action

The following companies have been named in lawsuits filed by state attorneys general, federal agencies, or private plaintiffs. This list is not exhaustive. If you had dealings with any company not on this list, you may still have a claim.

Solar Installers

Freedom Forever (Chapter 11 bankruptcy April 2026; TX AG investigation)
Attyx / SUNco / LGCY Power (NY AG lawsuit; $275M+ alleged fraud)
Sunrun (sued by CT AG; TX AG investigation; securities fraud probe)
SunPower (bankruptcy 2024)
Lumio (bankruptcy; class action)
Sunnova (bankruptcy June 2025)
Titan Solar (bankruptcy)
Radiant Solar (NY City lawsuit; $20M restitution sought)
Better Earth, Inc. (class action)
Generac Power Systems (class action; defective components)
Pink Energy / Power Home Solar (bankruptcy)
Momentum Solar (TCPA settlement 2025)

Solar Lenders

Solar Mosaic / Mosaic Funding (bankruptcy June 2025; MN AG lawsuit)
GoodLeap (MN AG lawsuit; named in multiple class actions)
Sunlight Financial (MN AG lawsuit)
Dividend Solar Finance / Fifth Third Bank (federal MDL proceeding)
Sungage Financial / NBT Bank (CA class action)
WebBank (named in NY Legal Aid lawsuit)

Inclusion on this list reflects publicly filed legal actions and government enforcement proceedings. It does not constitute a finding of wrongdoing. If you have a dispute with any of these companies, contact Nation Consumer Advocates for a free evaluation.

Was Your Company on This List? Contact Us Today

How Nation Consumer Advocates Builds Your Case

Solar fraud cases involve overlapping federal and state law. We pursue every available avenue of recovery — including legal theories that allow us to go after lenders even after the solar installer has gone bankrupt.

We Handle Individual Claims and Class Actions

Federal Claims We Pursue

Truth in Lending Act (TILA) — Requires full disclosure of loan terms including all fees and the true APR. Violations allow rescission of the contract, a refund of amounts paid, and statutory damages plus attorney's fees.
FTC Holder Rule — This federal rule holds your lender directly liable for the misconduct of the solar installer it funded. It is the most powerful tool available when the installer has gone bankrupt. We use it to cancel loans and recover damages from surviving lenders.
FTC Act / UDAP — Prohibits unfair or deceptive acts or practices in commerce. Applies to misleading savings projections, false government program claims, and high-pressure sales tactics.
Dodd-Frank Act / CFPB Authority — Prohibits unfair, deceptive, or abusive acts in connection with consumer financial products. Applies to solar lenders.
Equal Credit Opportunity Act — Protects against discriminatory targeting of elderly homeowners and communities of color, which multiple investigations have documented in the solar industry.
TCPA — Covers fraudulent telemarketing, robocalls, and unsolicited text messages used to generate solar leads. Solar industry TCPA settlements have exceeded $57 million since 2018.

State Claims We Pursue

Florida FDUTPA — actual damages, attorney's fees, and injunctive relief
Texas DTPA — includes treble damages for knowing violations plus mandatory attorney's fees
New York GBL Section 349 — actual damages, treble damages, and attorney's fees
California UCL and FAL — broad restitution and injunctive relief
State elder abuse statutes — enhanced damages and attorney's fees where elderly homeowners were specifically targeted
Home improvement contract violations — grounds for full rescission in Florida, Texas, New York, and California
Common law fraud and fraudulent misrepresentation — compensatory and punitive damages
Breach of contract, breach of warranty, and unjust enrichment

ON CONTINGENCY.

Nation Consumer Advocates takes solar fraud cases on a contingency fee basis — you pay nothing unless we recover. Attorney's fees are also recoverable under TILA and most state consumer protection statutes, which means the defendants may be required to pay our fees directly. Your recovery is your recovery.

You may be responsible for case costs and expenses. We will explain how costs are handled in your matter.

We Take Cases on Contingency — No Fee Unless We Win

Solar Fraud in Your State

Solar Panel Fraud Lawyer in Florida

Florida is one of the most heavily targeted states for solar fraud in the country. The Florida Attorney General reported a 700% increase in solar-related consumer complaints in 2024 alone. Florida's large elderly population, year-round sunshine, high solar adoption rates, and aggressive door-to-door sales culture have made it a primary hunting ground for fraudulent solar companies. If you were deceived by a solar salesperson in Florida — or are still paying a loan for a system from a bankrupt company — you have strong legal options.

Deadline reminder: Florida's primary consumer protection statute has a 4-year statute of limitations. If your contract was signed in 2021 or 2022, time is running out.

Key legal protections:

Florida Deceptive and Unfair Trade Practices Act (FDUTPA) — actual damages, attorney's fees, and injunctive relief against deceptive solar sales practices
Florida Elder Abuse Statute Section 825.103 — enhanced civil damages where elderly homeowners on fixed incomes were specifically targeted
Florida Home Solicitation Sales Act — provides a 3-business-day right to cancel any contract signed at your home; failure to provide this notice in writing voids the contract
PACE Loan Protections — Florida consumers placed in PACE loans without adequate written disclosures have rescission rights under state and federal law
FTC Holder Rule — allows claims directly against surviving lenders for installer misconduct

Florida Homeowners — Get a Free Case Evaluation Today

Frequently Asked Questions About Solar Panel Fraud

Still Have Questions? We Will Answer Them — Free

Get a Free Solar Fraud Case Evaluation from Nation Consumer Advocates

We review every inquiry at no charge. If you have a potential solar panel fraud claim, we will tell you honestly what we believe your legal options are — including whether this is a case we can take on contingency. There is no fee for this evaluation and no obligation to retain us.

Attorney-Client Privilege Protects Your InquiryNo Obligation Consultation

Prefer to call? Reach us at (833) 662-7726

What to have ready:

Your solar contract and any loan documents
Your original energy bill estimates or savings projections from the sales presentation
Your current utility bills
Any correspondence with the installer or lender
The name of your lender (GoodLeap, Mosaic, Sungage, Dividend Solar, etc.)

Related Practice Areas

TCPA — Robocalls & Spam Texts Truth in Lending (TILA)Consumer Fraud (UDAP)Auto Dealer Fraud Consumer Class Actions Mass Arbitration

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