Sunnova went bankrupt. Do I still have to pay?

Short answer

Almost always, yes. Your loan or lease is a contract with a lender or finance company that is usually separate from the installer that sold the system or folded — and that contract does not end because another company filed for bankruptcy. What changes is who services the account, who answers the phone, and who honors the warranty. Your statements name the servicer; when companies fold, servicing moves, and the payment keeps coming due.

Why the debt survives the bankruptcy

Three roles are easy to confuse. The installer sold and installed the system. The lender or lease company owns the money contract. The servicer collects payments and runs the account. A bankruptcy usually involves only one of them, and a loan or lease the bankrupt company does not own is not cancelled by its filing — it is an asset that gets sold or transferred, and the new holder enforces it on the same terms. That is why the statements keep coming even when the installer’s trucks are gone.

Who services your solar loan or lease now?

The recent failures, as reported in their proceedings: Sunnova filed Chapter 11 in June 2025; its assets were sold to Solaris Assets, an entity controlled by GoodFinch Management, and SunStrong Management took over servicing of its home solar accounts in September 2025. SunPower (the original SunPower Corporation) filed Chapter 11 in August 2024; servicing and maintenance for its legacy leases and PPAs moved to SunStrong as well, while a different company later bought and revived the SunPower name. Mosaic loan servicing moved to Solar Servicing in September 2025. Freedom Forever filed Chapter 11 in April 2026, and the case was converted to a Chapter 7 liquidation in August 2026; its finance partners were allowed to step in and finish stranded installations, and the loans and leases continue with their own lenders. Titan Solar Power filed Chapter 7 in June 2024 with no successor — the company simply ended, which can strand monitoring and warranties while a separate loan keeps billing. Servicers change; your most recent statement is always the authority.

What can actually change for you

Servicing and support. Monitoring may move to a different app or stop. Warranty repairs may have a new administrator, or no one. The payment amount, the term, and the escalator do not change — the contract is the contract. One caution: when a big servicer change is in the news, look-alike notices appear. Before sending money to a new name, verify it against the phone number on your original paperwork or a statement you already trust.

Finding who holds your paperwork now

Work through it in order. First, your most recent statement names the current servicer. Second, your original loan or lease names the lender or owner, which is who the servicer works for. Third, the loan’s entry on your credit reports names the furnisher (the company that reports the account). And if none of that produces a human, a complaint to the Consumer Financial Protection Bureau or your state attorney general creates a record and usually produces an answer in writing. If payments are the problem itself, see what happens if you stop paying before you miss one.

Documents to gather

Your original contract and financing documents (they name the lender or owner)
Your most recent statement (it names the current servicer)
Every transfer or bankruptcy notice you have received
Your monitoring login and production history, saved or screenshotted
The warranty documents
The credit report entry for the loan or lease

Questions to ask a licensed attorney

We are not a law firm, and this page is general information, not legal advice. These are the questions your paperwork raises that a licensed attorney in your state can answer for your situation:

The installer made promises the servicer says are not its problem — who, if anyone, is responsible?
Does the FTC Holder Rule give me claims against the loan holder for the seller’s conduct?
Is anyone obligated to honor my warranty or monitoring now?

Questions people also ask

Can I cancel my Sunnova contract because of the bankruptcy?

The bankruptcy alone does not create a cancellation right in your contract — the lease, PPA, or loan continues on its own terms with whoever now owns or services it. Whether some other fact in your paperwork gives you a route is a legal question. What the bankruptcy does change is servicing and support: SunStrong Management took over servicing for Sunnova accounts, per the bankruptcy proceedings.

Who took over Sunnova?

Sunnova filed Chapter 11 in June 2025. Its assets were sold to Solaris Assets, an entity controlled by GoodFinch Management, and SunStrong Management became the servicer for its home solar accounts — the company that sends statements and takes payments. If you were a Sunnova customer, your most recent statement should name the current servicer; that name, not the old Sunnova paperwork, is who to contact about your account.

My solar installer went bankrupt. Do I still have to pay?

If your money obligation is a loan or a lease, yes — those belong to the finance side, which usually is not the installer and usually is not bankrupt. Installers sell and install; lenders and lease companies hold the paper. The installer’s failure can strand warranties and monitoring, which is a real loss — but it does not pause the payment the finance company is owed under your contract.

What happens if the solar company goes out of business entirely?

The contract continues with its owner or servicer; what disappears is service. Monitoring may stop, warranty repairs may have no one to call, and you may have to hire a local solar company for repairs at your own cost. Keep your production records and every notice you receive. If no one will say who services the account, a complaint to the CFPB or your state attorney general usually produces an answer in writing.

How the workbooks help

Your Actions starts with identifying who actually holds your deal now — servicer, owner, warranty — from your statements and notices, then works the routes your contract allows. The In-Depth Version documents the whole chain in full, so a company failure never leaves you guessing who you are dealing with.

One package — both books always included. Each book is delivered by email within 3–5 business days of purchase; delivery occurs after the 3-day cancellation window closes.

Read a sample workbook (PDF) More homeowner questions