What Solar Mosaic’s Bankruptcy Means for Your Payments

We’ve been hearing from many homeowners with one big question: What should I do about my Solar Mosaic payments now that the company has filed for bankruptcy?

Let’s break it down.

Looking for the latest on Mosaic’s bankruptcy? Read our complete Solar Mosaic bankruptcy guide and updates for the current status of the bankruptcy and what it may mean for homeowners.

The Current Situation

Solar Mosaic filed for Chapter 11 bankruptcy in 2025. The bankruptcy filing did not automatically cancel borrowers’ loan obligations, and homeowners should not assume that filing for bankruptcy means their Mosaic payments simply disappear.

For the latest information about the bankruptcy itself, including important developments affecting homeowners, visit our Solar Mosaic Bankruptcy Updates guide.

Here, we’re focusing specifically on what homeowners should know about making, missing, or stopping Mosaic loan payments.

Do I Still Have to Pay My Mosaic Solar Loan?

Mosaic’s bankruptcy does not automatically mean that homeowners should stop making payments. Whether you continue making payments is ultimately your choice, and stopping payments may have consequences.

If you’re considering stopping payments, it’s important to understand the potential risks before making that decision. We explain those risks below.

What Happens If You Stop Paying?

If you stop paying, missed payments may be reported to credit bureaus and could hurt your credit score. You may also face collection activity or other consequences under your loan agreement, including possible acceleration. Check your current statements and servicing notices to see which company manages your account.

When credit reporting becomes part of a client’s dispute, we review whether there are inaccurate entries that can be challenged. Accurate negative information generally cannot be removed simply because the underlying loan is disputed. However, we cannot guarantee that every negative mark will be removed. This is an important risk to weigh carefully.

If You Are Already a Prevost Law Firm Client

If you are already a Prevost client, make sure you understand how the decision may affect the legal strategy and practical risks in your case.

No matter which path you choose, continuing to pay or stopping payments, your decision will not affect our willingness to fight for you. We support you either way.

Our job is to pursue the best legal outcome available based on the facts of your case, which may include seeking relief related to your loan and addressing credit issues associated with the dispute.

How Prevost Reviews Mosaic Payment Disputes

Prevost Law Firm reviews Mosaic-financed solar disputes when homeowners are making payments on a system that was never completed, does not work as represented, or has unresolved installation or warranty problems. We look at the installer’s promises and work, the financing terms, and the homeowner’s payment history together. Depending on the documents and applicable law, problems involving the installer may support a claim or defense related to the loan holder.

We also review who currently owns and services the loan, whether the agreement calls for arbitration, and what consequences missed payments could have. Possible relief may include changes to the loan obligation or recovery of payments, but the result depends on the case.

For a review, gather your loan and installation contracts, recent statements, payment history, any servicing transfer notices, sales materials, and messages or photos documenting the solar problem. If you’re a Prevost client, contact your legal team before changing your payment approach. Otherwise, consider speaking with an attorney first.

Should I Stop Paying My Mosaic Loan?

There isn’t one answer that applies to every Mosaic borrower. Continuing payments and stopping payments can have different legal and financial consequences depending on your loan, your solar transaction, and whether you have an active dispute.

Before stopping payments, consider the potential impact on your credit, collection activity, and other consequences under your loan agreement. If you believe there are legal problems with your Mosaic loan or solar transaction, speaking with an attorney can help you understand the options that may apply to your situation.

If you have questions about your specific situation, we encourage you to reach out so we can help you navigate this process with confidence.

Curious what the Mosaic bankruptcy means for homeowners and their homes? Read here.