Mosaic was one of the largest names in residential solar financing. If you have a Mosaic solar loan, your monthly statement may now come from a different servicer, the online portal may not work the same way, and the company you thought was holding your loan may be in bankruptcy. That creates uncertainty, but it does not erase the claims you may have.
What happens to your loan in a bankruptcy
A lender's bankruptcy does not wipe out the debt you owe, but it can change who services the loan, who owns the loan, and how disputes are handled. Loan servicing rights are often sold or transferred to another company during bankruptcy proceedings. That means the name on your statement may change even though your payment obligation stays the same.
For homeowners already in a dispute, the bankruptcy adds a layer of procedure. You may need to file a proof of claim, object to a servicing transfer, or direct your dispute to a new entity. Missing a notice or deadline in the bankruptcy case can hurt your position.
Claims against Mosaic do not disappear automatically
If Mosaic or the dealer that sold you the system made misrepresentations about production, savings, financing terms, or the federal tax credit, those claims may survive the bankruptcy in some form. The bankruptcy court places limits on when and how claims can be asserted, and there may be a deadline to file a proof of claim.
The same is true if your dispute is really with the dealer that installed the system but Mosaic funded the loan. Depending on your loan documents, you may be able to assert claims and defenses against the lender or its successor under the FTC Holder Rule.
What to do if you have a Mosaic loan
Start by preserving every record you have. Bankruptcy cases move quickly and servicers change. The documents you need are:
- Your original loan agreement and all amendments or notices of transfer.
- Every monthly statement, payment confirmation, and correspondence with Mosaic or any new servicer.
- The sales proposal, purchase agreement, and any texts or emails with the installer.
- Any notice you received about the bankruptcy, servicing transfer, or proof of claim deadline.
- Your monitoring data and utility bills showing actual production versus projections.
Do not stop paying without a plan
It is tempting to stop sending money to a company in bankruptcy, especially when the system never worked. But missed payments can damage your credit, trigger default, and make it harder to unwind the loan later. Before changing your payment behavior, talk to a lawyer about whether your claims support a formal dispute, a rescission demand, or an arbitration filing.
The short version
A Mosaic bankruptcy notice is a red flag to get your file in order, not a reason to give up. Servicing may change, but your rights and your records stay with you.
This article is general information about Texas law and is not legal advice. Reading it does not create an attorney-client relationship with Ray Law Group PLLC. Outcomes depend on the facts and documents in each matter, and legal deadlines apply.