When Solar Deals Collapse: Lender Liability, Bankruptcy, and the New Front Line of Consumer Solar Litigation

Includes a Live Web Event on 10/13/2026 at 10:00 AM (EDT)

The rooftop solar industry has produced a wave of consumer disputes involving inflated system prices, deceptive sales practices, long-term financing, failed installations, contractor bankruptcies, and increasingly, lender and finance-company insolvencies. For consumer advocates, the critical question is often no longer simply what the solar contractor did wrong—it is whether the lender that funded the transaction can be held responsible for the underlying misconduct.

This webinar will examine emerging strategies for pursuing solar finance companies, including Mosaic and Sunnova, when contractors disappear, financing structures unravel, or bankruptcy changes the litigation landscape. The program will also address the growing use of restructuring strategies sometimes described as the “Texas Two-Step,” the practical effect of bankruptcy filings on consumer claims, and why counsel should investigate the lender, loan documents, assignment structure, and finance relationship from the beginning of the case.

Prior knowledge: No specialized solar-industry experience is required. Attendees should have a basic familiarity with consumer-protection litigation, contract claims, arbitration, or federal consumer statutes. The program is designed for attorneys representing—or considering representing—homeowners in solar, home-improvement, or consumer-finance disputes.

What You Will Learn:
• Identify how to shift the focus from the solar contractor to the financing entity, including how to analyze loan documents, dealer relationships, assignments, payment structures, and facts supporting potential lender liability.
• Evaluate how bankruptcy and restructuring affect consumer solar claims, including how to identify the relevant debtor, understand the practical implications of contractor or lender bankruptcy, and preserve potential claims when companies such as Sunnova or other major market participants enter insolvency proceedings.
• Develop litigation strategies for solar-finance cases, including the upfront gathering of documents and facts to assist in the evaluation of potential claims and defenses under the Truth in Lending Act, state deceptive-practices statutes, fraud theories, arbitration provisions, and other consumer-protection doctrines.

Joshua Horton

Joshua Shane Horton represents homeowners and consumers in disputes arising from rooftop solar sales, PACE assessments, and the lenders and finance companies that fund those transactions. His practice focuses on cases involving deceptive solar sales practices, consumer financing, lender liability, and disputes arising when solar contractors or finance companies fail. Joshua litigates in Florida state and federal courts and in arbitration, relying on claims and defenses arising under the Truth in Lending Act, the Florida Deceptive and Unfair Trade Practices Act, common-law fraud, and related consumer-protection theories. He founded The Joshua S. Horton Law Firm, P.A. in Jupiter, Florida in 2020 and is a founding member of Energy Consumer Law Group.

Douglas Rosner

Doug Rosner has been litigating cases and preparing for trial for over 40 years. While most cases settle, the rest proceed to trial. He maintains a low-volume practice, accepting only the cases that interest and inspire him. He immerses himself in his work, developing a deep understanding of the facts and the law. His interest in solar litigation grew out of handling elder abuse cases, as many solar frauds targeted seniors. He is also well-versed in Collaborative Law, an approach that fosters resolution by identifying common ground between parties. He is currently available to serve as co-counsel on California matters.