When a Texas solar installer closes, the financing does not close with it. The loan or lease was almost certainly sold or assigned to a third party, and that party will keep collecting. The practical question is not whether you still owe — it is who remains answerable, and the answer is usually the lender, the electrical contractor, the equipment manufacturers, and in some cases the retailer’s successor.
Business failure and consolidation have been common in residential solar. A closed installer is a serious complication, not a dead end.
The routes available to you are the same ones covered in our guide to the full guide to cancelling a Texas solar agreement.
Not legal advice. This site is not a law firm. Your options depend on your specific contract and who currently holds it.
Who is still on the hook?
The lender or lessor. Your financing agreement is a separate contract from the installation agreement. Whoever currently holds it is the party collecting, and that party may be reachable directly.
Two Texas-specific points:
- § 1806.155(c) requires that where a third-party lender was affiliated with or referred by the retailer, the agreement include a provision requiring the lender to cancel the accompanying loan upon cancellation under § 1806.156. That provision, where present, obligates the lender independent of whether the retailer still exists.
- The FTC Holder Rule (16 C.F.R. Part 433) requires certain consumer credit contracts to carry a notice preserving the borrower’s claims and defenses against the seller as against any subsequent holder. Whether that notice is in your agreement and what it means for you is a question for a consumer attorney — but it is the reason a defunct seller does not automatically end the analysis.
The licensed electrical contractor. Section 1806.155(a)(1)–(2) requires the agreement to provide that installation will be performed by a licensed electrical contractor and to conspicuously state that contractor’s name and license number. That contractor holds a TDLR license under Occ. Code Ch. 1305 and is separately subject to discipline. TDLR accepts complaints against licensed electrical contractors for installation or repair work regardless of your contract date — this is one of the few routes that does not depend on when you signed.
Equipment manufacturers. Panel and inverter manufacturer warranties are separate from installer workmanship warranties and may survive the installer. Find your equipment make and model and contact the manufacturer directly.
A successor entity. Companies reorganize, get acquired, and rebrand. Search the Texas Secretary of State business records and check whether the entity was acquired rather than dissolved.
What happens to my warranties?
Split them into two categories, because they fail differently.
Equipment warranties — panels, inverters, batteries — run from the manufacturer and generally survive the installer’s closure. Registration may be required. Locate your equipment documentation.
Workmanship warranties — the installation itself, roof penetrations, flashing — run from the installer. When the installer is gone, these are typically the ones that become unenforceable in practice, which is why roof leaks at mounting points are the most common uncompensated harm after a company failure.
If the installer filed bankruptcy, warranty obligations become claims in that proceeding. Check the docket for the claims bar date. In a Chapter 7 with no meaningful distribution, the practical recovery is often zero — which is precisely why the lender and the electrical contractor become the operative targets.
Nobody will service my system. What do I do?
- Confirm who currently holds your agreement. Look at where payments go and read any assignment notices you received.
- Identify the licensed electrical contractor named in your agreement. File a TDLR complaint if the installation is defective.
- Contact the equipment manufacturers directly for warranty service.
- Get an independent inspection by a licensed Texas electrical contractor. A written assessment of what is wrong is the foundation of every subsequent step.
- Document the timeline — every service request, every unanswered call, every date the system was down.
- File the right agency complaint. Contract on or after 9/1/2025 → TDLR. Before → Texas AG. Financing conduct → CFPB.
My system was never turned on
This is a distinct and stronger fact pattern.
Section 1806.155(a)(3) requires the agreement to provide that the retailer or electrical contractor will obtain any required government permit and the applicable utility’s approval of interconnection — whether that is an investor-owned utility under Utilities Code § 39.916, an electric cooperative, or a municipally owned utility.
If those never happened, request the records yourself: the permit record from your city or county building department, and the interconnection record from your TDU or utility. A system installed but never interconnected, with payments running the entire time, is a failure of the core consideration. See [installed but never activated].
See also a system that was never turned on. If financing is the live problem, what to do about a Texas solar loan covers it; for agreements generally, see our Texas solar cancellation service.
Does the company being gone hurt my claim?
It complicates recovery against that entity. It does not extinguish your position, and in one respect it strengthens it: a company that took financing proceeds and commissions and then failed to deliver a functioning system is the exact fact pattern the Texas Legislature described when it passed SB 1036. The Senate committee analysis specifically identified sales companies that “secure financing, collect their commissions upfront, and disappear, leaving homeowners burdened with debt for non-functional solar panels.”
Your DTPA two-year limitations period under § 17.565 continues to run regardless of the installer’s status, and § 17.505’s 60-day notice requirement still applies. A closure does not pause the clock. See [deadlines].
Installer failures have hit every Texas market. Start at solar cancellation in Houston or El Paso solar cancellation.
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If your Texas solar installer closed and you are still paying, a licensed Texas attorney can review who remains answerable on your agreement. No cost, no obligation. We are a marketing and intake service and do not provide legal advice.
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Sources: Tex. Occ. Code §§ 1806.155, 1806.156, Ch. 1305; Tex. Bus. & Com. Code §§ 17.505, 17.565; 16 C.F.R. Part 433; Tex. Util. Code § 39.916; Senate Research Center bill analysis, C.S.S.B. 1036 (89th Leg.); TDLR complaint guidance.