Freedom Forever Bankruptcy: What Solar Owners Need to Know

What Has Happened in the Freedom Forever Case

Freedom Forever was the second-largest residential solar installer in the United States in 2025, with a 6.1 percent national share according to Wood Mackenzie data reported by pv magazine USA. The company says it completed more than 150,000 installations since 2011, as quoted by the Denver Gazette. A solar company that size leaves a lot of owners with questions, and the questions are practical ones: who answers the phone, who pays for a repair, and who gets my monthly payment.

The timeline below comes from the claims agent's case page, which lists the filings in the U.S. Bankruptcy Court for the District of Delaware.

pv magazine USA reported that the company pursued a dual-track process, either an asset sale or a sponsor for a reorganization plan, and that neither succeeded before the conversion to Chapter 7. In Chapter 7 a trustee gathers and sells the remaining assets and distributes the money to creditors under the order the Bankruptcy Code sets.

What Happens to Each Promise the Company Made

Your paperwork probably contains several different promises, made by different parties. Sorting them is the most useful thing you can do this week.

Workmanship Warranty and Service

The workmanship warranty (roof penetrations, wiring, racking, installation quality) was a promise by Freedom Forever LLC. With the company in liquidation, that promise generally becomes a claim against the estate rather than a service call you can book. The Maine Attorney General's office told CBS13 that homeowners should review their contracts and warranty documents to see which warranties were provided by Freedom Forever and which by the equipment manufacturers. We found no published report of any buyer taking over Freedom Forever's workmanship warranties.

The 25-Year Production Guarantee

Freedom Forever's website advertised a 25-year production guarantee: if a system produced less than the company said it would, the company would pay a check for the difference (archived copy of the site from September 10, 2026). If your contract names Freedom Forever as the party making the guarantee, a shortfall claim generally goes into the same estate as the workmanship warranty. We found no published report of a buyer assuming it, and the sale hearing was cancelled. Whether a claim for a shortfall pays anything depends on what the trustee collects and the order in which 11 U.S.C. § 726 distributes it. Our general explainer on what production guarantees promise covers how the baseline and shortfall are normally calculated.

If your contract is a lease or PPA, check whether the financing company that owns the system makes its own output commitment. That is a separate promise from a separate company, and it is not part of this bankruptcy.

Manufacturer Warranties

Panel and inverter warranties are issued by the manufacturers and generally do not depend on the installer staying in business, though some extended warranties are tied to the installer. They replace defective equipment, and often do not pay for the labor to remove and reinstall it. A Maine installer quoted by CBS13 put it this way: once a service company can see what equipment is on the roof, it can ask the manufacturers whether the warranty is still in place and whether it covers labor. For the Enphase side, see what the 25-year Enphase warranty covers and how it compares with SolarEdge.

Your Loan, Lease or PPA: Who Holds the Paper Now

Freedom Forever was the installer. In most sales the money for the system came from a separate finance company, and that company is not the debtor in this case. Two things follow. Your payment obligation generally continues under the contract you signed, and the company you pay may not be the one you expected.

• Find the current holder. Look at your most recent billing statement, the loan or lease agreement, and the Truth in Lending disclosure. The party you pay each month is the one to call. Mosaic, one financing partner named in the case, filed its own Chapter 11 in 2025 according to the Denver Gazette, so a loan that began there may have changed servicers.
• Financiers have been allowed to finish stranded installs. pv magazine USA reported that the court let several former financing partners (Credit Human, EnFin, EverBright, GoodLeap, Participate, Project Solar and Sunrun) resume and complete unfinished projects. That relief concerns finishing installations. It says nothing about servicing systems already running, which depends on your contract.
• Court papers point the same way. The Denver Gazette reports that court papers advise customers to contact their financing providers directly and to document system performance and contracts.
• Unfinished or never-activated systems. WFLA reported on a Tampa homeowner whose system passed inspection but was never connected. After the reporter contacted the utility, TECO said it would move forward with the system and inspect it before turning it on. If your system is installed but not switched on, ask your utility what it needs, and ask your finance company when your payments start.

The FTC Holder Rule

Many consumer loans for goods and services carry a required notice that any holder of the contract is subject to all claims and defenses the borrower could assert against the seller, with recovery limited to the amounts the borrower paid under the contract. The notice is set out in the FTC rule at 16 CFR 433.2. It applies to consumer credit contracts such as loans, not to leases or PPAs. Look for that notice in bold type in your loan documents. Whether it helps in your situation depends on the facts and your state, which is a question for a lawyer. Many loan contracts treat a missed payment as a default, which is one reason borrowers in this position talk to a lawyer before changing how they pay.

For loans specifically, our guide on whether you still owe a solar loan after an installer bankruptcy goes further.

Proof of Claim: The Deadline Has Passed

pv magazine USA reported that the court set an absolute deadline of October 16, 2026 for standard creditors, former employees, and customers with unfulfilled deposits or warranty claims to file a proof of claim. As of October 30, 2026, that date is behind us.

• Check the claims register on the case page to see whether you or your finance company filed anything. Reports differ on where claims are submitted (the court's claims page versus the claims agent), so follow the official notice you received. The court's own page is Claims Information for the District of Delaware.
• If you did not file, ask a bankruptcy or consumer lawyer whether anything is still available to you. Under 11 U.S.C. § 726, late claims are paid after timely ones, with an exception for some creditors who never received notice of the case. The answer depends on your facts. We could not confirm from published sources whether late claims are being accepted in this case.
• Your lawyer, not a web page, is the right source for that answer. Most state bar associations run a lawyer referral service that can connect you with someone who handles consumer or bankruptcy matters.

Who Services the System Now

Nobody at Freedom Forever. That leaves three practical options:

1. Your finance company, if you have a lease or PPA. The company that owns the equipment has an interest in keeping it running. Ask in writing who handles repairs.
2. A local solar service contractor. The Maine installer quoted by CBS13 said that another solar provider can often take over monitoring of a system installed by a different company, diagnose problems, and work out which equipment and warranties apply. Not every installer takes on systems they did not build, so make a few calls now rather than during an outage.
3. The manufacturers. Register your equipment warranties directly in your own name with Enphase, SolarEdge, or your panel maker, so the manufacturer has you on record as the owner if a part fails.

Document Your Production Now

When the company that monitored your system is gone, the record of what the system produced becomes your evidence for every later conversation: with a finance company about a missed output commitment, with a manufacturer about a failed unit, with a buyer when you sell the house, and with a lawyer about a claim.

1. Make sure the monitoring account is yours. Log in to Enphase Enlighten or SolarEdge directly with your own credentials. If the system is registered only under the installer's account, ask the manufacturer to transfer it. Our guides cover verifying Enphase data and verifying SolarEdge data.
2. Export history now. Download the production history as CSV and keep a copy outside the installer's portal, which may disappear.
3. Save the paper. Contract, production guarantee terms, equipment serial numbers, permit and interconnection documents, and every email about service.
4. Capture outages when they happen. Screenshots of zero production with dates are what a finance company or lawyer will ask for.
5. Compare against an expected number. Raw kWh totals do not tell you whether a cloudy month explains a low month. A weather-adjusted baseline does. See weather-adjusted solar production and expected vs actual output.

Your state attorney general's consumer protection office is another place to document a problem. We summarize several state statutes for California, Texas, Florida, New Jersey, New York and Massachusetts. These are general summaries and not legal advice.

The general playbook for any installer failure is in what happens when your solar installer goes out of business. Solar itself keeps working. Panels on a roof in Colorado or Maine still make power without a call center behind them, and the owners who come through these failures best are the ones with their own data and a local service contact.