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?

Whether you continue making payments is ultimately your choice. If you decide to stop, Mosaic will likely report missed payments to the credit bureaus, which could hurt your credit score. In addition, missed payments may be sent to collections, and in some extreme cases Mosaic could accelerate the loan and make the full amount immediately due.

In cases where our clients have chosen to stop paying, we include credit repair in our legal strategy. 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

No matter which path you choose, continuing to pay or stopping payments, your decision will not affect your case with our firm. 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.

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.