Mosaic solar loan after the bankruptcy: who you pay and how to dispute it yourself
Mosaic's loans are now serviced by Solar Servicing. The loan terms did not change, and neither did your right to dispute in writing.
SolarExitDIY is independent and is not affiliated with, endorsed by, or sponsored by Mosaic. This page is general education, not legal advice. Last checked: November 11, 2026.
Where things stand
June 2025
Solar Mosaic filed for Chapter 11 bankruptcy.
September 2025
Solar Servicing, a subsidiary of Forbright Bank, acquired Mosaic's loan servicing operations. Borrowers were told payment terms and schedules remain unchanged.
March 17, 2026
The New York Attorney General sued the solar company Attyx (formerly SUNco) and named Solar Mosaic and WebBank as lending partners, alleging that lender fees were hidden inside inflated system prices. The lawsuit asks the court to void the agreements. These are allegations, not findings.
Who you actually owe
Your loan is owed to the holder of the note and collected by the servicer on your statement. The installer was paid at the start. If the installer misled you or did not finish the job, the lender may still be the right party to write to.
Stopping payments can damage your credit and trigger default. The kit explains how to dispute in writing while you stay current.
What homeowners in this situation usually need to sort out
- A price that looks far higher than a cash price would have been, which can point to a dealer fee.
- A payment that rose after about 18 months because the tax credit was never paid toward the loan.
- An installer that closed or never finished.
- A UCC filing that surfaced during a sale or refinance.
What you can do yourself this week
- Download and save every document while you still can: contract, loan or lease agreement, disclosures, proposal, e-sign certificate, and utility bills from before and after installation.
- Work out whether you have a loan, a lease or a PPA, and who you send payments to.
- Send a written document request so you have the complete file.
- Compare what you were promised with what the paperwork says and what the system produces.
- Put your dispute in writing to the right party and keep proof of delivery.
- File complaints with the CFPB, your state attorney general and the contractor licensing board where they apply.
- Ask the servicer in writing for the full loan file, including the amount actually paid to the installer.
- Use the dealer fee worksheet to compare your financed price with the cash price for a system of your size.
Which parts of the kit apply
- Basics Kit: The document request letter and the complaint filing steps (the CFPB handles complaints about lenders and servicers).
- Complete Kit: The Holder Rule notice to your lender, the dealer fee worksheet, and the notice of dispute and demand.
If you would rather have someone read your paperwork, the Personalized Contract Audit gives you a written findings report on your own documents.
When to call a lawyer instead
- A foreclosure or collection lawsuit has been filed against you.
- You believe your signature was forged.
- There is active roof or electrical damage.
- A deadline in a bankruptcy or court notice is close.
- The amount in dispute is large and the company is represented by a lawyer.
In those cases the kit is not a substitute for a lawyer. Speak with a licensed attorney in your state.