Solar company went out of business? What to do now

Your installer closed but the payments didn’t stop. Who you owe, who stands behind your warranty, and the federal rule that can follow your claims to the lender.

Last verified October 9, 2026

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The short answer: When a solar installer closes, your loan, lease or PPA usually continues because a separate company owns it. Keep paying, find out who services and warrants the system now, and check whether your credit contract carries the FTC Holder Rule notice, 16 CFR Part 433. Where it does, claims you had against the seller may be raised against whoever holds the loan.

Key takeaways

The company you pay is usually not the installer.
Manufacturer warranties may outlive the installer.
The Holder Rule can carry claims to the lender.
Bankruptcy pauses claims against the installer only.
Keep paying and document everything.

What happens to your contract

Solar loan: you owe the lender, so the loan almost always continues. Lease or PPA: the system owner usually keeps billing you and is responsible under the agreement. Cash purchase: no payment continues, but installation warranties may be hard to enforce.

What to do right now

Keep paying your loan, lease or PPA.
Identify who you actually pay and request your full agreement in writing.
Find the panel and inverter manufacturers and ask about warranty claims.
Look for the Holder Rule notice in your loan documents.
Be cautious of rescue offers that demand upfront fees or new contracts.

Installer gone, payments still due?

A free intake sorts out who owns your agreement and what options remain.

If the installer filed for bankruptcy

Bankruptcy generally pauses lawsuits against the company that filed. But the lender or system owner you pay may be a separate company that isn’t in bankruptcy. That’s exactly where the Holder Rule matters. See our Holder Rule guide.

Common questions

Installer closure FAQs

Do I still have to pay if my solar company closed?

Usually yes, because a separate company typically owns the agreement.

Who fixes my panels now?

For leases and PPAs, the system owner. For owned systems, manufacturer warranties may apply.

Can I sue a bankrupt installer?

Bankruptcy generally pauses claims against the company that filed; the lender may be different.

What is the Holder Rule?

A federal rule that can preserve claims against the seller against the loan holder.

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Solar Cancellation HQ is not a law firm and does not provide legal advice. This page is general information, and reading it or submitting a form does not create an attorney-client relationship. Not every contract qualifies, and no outcome is guaranteed. We never advise anyone to stop making payments on a solar loan, lease or PPA. Laws and utility rules change, so verify before acting. Last verified October 9, 2026.