Prevost Law Firm Protecting Consumer Rights in Solar Mosaic Bankruptcy

Fighting to Preserve Legal Protections for Solar Victims

In a powerful stand for consumer justice, Prevost Law Firm has joined forces with 22 state Attorneys General in the bankruptcy case of Solar Mosaic. 

We are proud to be the only private law firm to file a claim alongside these state leaders. This helps demonstrate our unwavering commitment to protecting the rights of consumers who were misled or financially harmed by deceptive solar financing practices.

Other Mosaic Articles We’ve Written:

• https://blog.prevostlawfirm.com/solar-mosaic-bankruptcy-updates/
• https://blog.prevostlawfirm.com/what-solar-mosaics-bankruptcy-means-for-your-payments/
• https://blog.prevostlawfirm.com/mosaic-solar-energy-warning-signs/
• https://blog.prevostlawfirm.com/prevost-protecting-consumer-rights-mosaic/
• https://blog.prevostlawfirm.com/what-solar-mosaics-bankruptcy-means-for-your-case/
• https://blog.prevostlawfirm.com/mosaic-pauses-solar-loan-operations/
• https://blog.prevostlawfirm.com/what-solar-mosaics-bankruptcy-means-for-homeowners/

The Threat: Mosaic Tried to Eliminate the Holder Rule

As part of their bankruptcy proceedings, Solar Mosaic made a bold and dangerous move: they attempted to eliminate application of the Holder Rule. If successful, this would have prevented consumers from suing Mosaic, even in cases where they were misled, defrauded, or harmed by third-party solar installers and salespeople who partnered with Mosaic for financing.

The Holder Rule, created by the Federal Trade Commission (FTC), is a critical consumer protection. It ensures that if a company provides financing for a product or service (like solar panels) they are also held accountable if that product or service is defective or fraudulently sold.

In short, Mosaic was trying to escape accountability.

And Prevost Law Firm refused to let that happen.

Our Action: Joining Forces to Preserve Accountability

Working directly with 22 state Attorneys General, Prevost Law Firm filed a formal claim in the bankruptcy case to oppose Mosaic’s attempt to sidestep the Holder Rule. 

This was about more than one case. It was about protecting the legal rights of thousands of homeowners across the country.

We made it clear that preserving the Holder Rule is essential to ensuring fair outcomes for our clients and all consumers who used Mosaic financing.

Prevost Law Firm’s Role in the Mosaic Bankruptcy

Prevost Law Firm represents homeowners with disputes involving Mosaic-financed solar systems. In the bankruptcy case, our concern extends beyond whether a loan remains collectible. We are also examining how the proceedings could affect homeowners’ ability to raise claims or defenses arising from the sale and installation of their systems.

Our work includes reviewing clients’ financing agreements and the circumstances of their solar purchases, participating in the bankruptcy process, and advocating for the preservation of consumer protections.

The Holder Rule may be relevant when a covered financing agreement has been assigned and the homeowner has a claim based on the seller’s conduct. Whether a particular homeowner can assert that claim depends on their documents and facts. Protecting the ability to raise those issues is an important step, even though it does not decide any individual case or guarantee relief.

The Outcome: A Win for Consumer Justice

Our unified pressure worked.

Mosaic withdrew its request to eliminate Holder Rule protections in the bankruptcy proceedings. That is an important result for homeowners. It means the bankruptcy order does not, on that basis, take away their ability to raise applicable claims and defenses arising from a solar sale.

This does not resolve any individual dispute or guarantee compensation. Whether a homeowner can assert a claim against Mosaic depends on the financing agreement, the facts, and the bankruptcy court’s orders. But preserving the opportunity to raise those claims is a meaningful step for consumers.

Why It Matters

At Prevost Law Firm, we focus solely on helping homeowners harmed by deceptive solar companies, financing arrangements, and broken promises. This win reaffirms our mission: to challenge industry giants and restore financial fairness for the people they’ve taken advantage of.

If you financed your solar panels through Mosaic (or another lender) and feel something wasn’t right, you may still have legal options.

Contact Prevost Law Firm today for a free claim review. We’re not just watching from the sidelines.

We’re in the fight.

So What Happens Now?

Although this win is an important step, the legal process is still ongoing.

Because Mosaic has filed for bankruptcy, a legal “automatic stay” is currently in place. 

The automatic stay generally pauses lawsuits and collection actions against Mosaic outside the bankruptcy case. Exceptions may apply, and the bankruptcy court can permit a particular action to proceed. The stay does not prevent parties from participating in the bankruptcy proceedings.

What this means for you

We are currently in a waiting period. Until the bankruptcy stay is lifted, we cannot move forward with individual lawsuits or settlements against Mosaic. However, rest assured—we are actively monitoring the case and fully prepared to take the next steps as soon as the stay is removed.

In the meantime, we continue to build and strengthen claims for our clients, and we remain fully engaged in the bankruptcy process to protect your rights.

We’ll keep you informed every step of the way.

And when the time comes to act, we’ll be ready.