ORPHANED CUSTOMER GUIDE
Titan Solar Power filed Chapter 7 bankruptcy on June 14, 2024, and shut down operations. There is no longer a Titan to send a cancellation letter to. Here is what changed for your contract, your loan, and your warranty — and what to do this week.
Published May 9, 2026 · Educational content, not legal advice · Our methodology
Bankruptcy status alert: Court records indicate Titan Solar Power LLC filed Chapter 7 in mid-2024 and ceased operations. The exact case number, district, and trustee should be verified by the reader on PACER (pacer.uscourts.gov) before taking any action that depends on those specifics. This page does not state a case number we cannot independently verify on launch day.
Titan Solar Power — Quick Facts
| Bankruptcy filing | Chapter 7, June 14, 2024 (date per public reporting; verify case number on PACER) |
| Operating status | Ceased operations — no active corporate entity for cancellations or service calls |
| Customer contracts | Pending installs generally treated as rejected executory contracts; deposits become unsecured claims |
| Loan obligations | Loans were originated through third-party lenders (commonly reported as Sunlight Financial, GoodLeap, or Mosaic) and generally continue to be serviced after the installer's bankruptcy |
| Workmanship warranty | Generally unenforceable now — the warrantor no longer exists |
| Equipment warranties | Manufacturer warranties (panels, inverters) typically remain valid and run directly with the homeowner |
| Monitoring & service | No first-party Titan support; customers must arrange independent O&M and may need to migrate monitoring portal accounts |
Do these three things this week
Important — do not stop paying yet. The installer being gone does not erase a loan held by a separate lender. Stopping payments without a written legal defense generally damages your credit, may forfeit FTC Holder Rule arguments, and hands the loan servicer a counter-defense in any dispute. The strategies below assume payments continue. Talk to a consumer-protection or bankruptcy attorney before changing anything about your loan.
In This Guide
No. Court records indicate Titan Solar Power LLC filed Chapter 7 bankruptcy on June 14, 2024 and ceased operations. There is no operating Titan corporate entity that will respond to a cancellation letter, complete an unfinished install, dispatch a service technician, or honor a workmanship warranty. The remaining customer matters are handled through the Chapter 7 bankruptcy estate (administered by a court-appointed trustee) and through whichever third-party lender originated and continues to service your loan.
That single fact rewrites every standard answer about “cancelling Titan.” The 3-day federal cooling-off rule and a normal cancellation letter assume there is a company on the other side to receive notice. There is not. The action you take this week needs to be addressed to the bankruptcy trustee, the loan servicer, and (where the equipment was already installed) the equipment manufacturers.
Titan customers commonly report financing through Sunlight Financial, GoodLeap, or Mosaic. The originating lender does not vanish when the installer files Chapter 7 — it is a separate company with a separate balance sheet, and the loan continues to be serviced by that lender or by a successor servicer. Pull your most recent statement and confirm the servicer name; this is the entity that will report payments to the credit bureaus and the entity you will write to if you want to invoke any loan-side defense.
For workmanship (the labor warranty Titan itself extended), in practice no one. That warranty was a contractual promise from Titan, and Titan no longer exists. For the equipment, the panel manufacturer (commonly QCells, REC, Silfab, or similar on Titan installs) and the inverter manufacturer (commonly Enphase or SolarEdge) typically warrant their own products directly to the homeowner for 10–25 years. Those warranties usually survive installer bankruptcy and can be claimed directly with the manufacturer. If you purchased a third-party warranty through Solar Insure or a comparable program, that policy may also still respond.
An independent O&M (operations and maintenance) provider in your region. Most equipment manufacturers maintain a list of certified service providers; Enphase and QCells both publish locator tools. Plan for the first service call to involve some diagnostic time because your system will be unfamiliar to a new technician.
If you are not sure which lender services your Titan loan or whether your contract is recoverable in the bankruptcy, get a no-cost contract review. We help orphaned Titan customers map the next 30 days.
Chapter 7 is liquidation, not reorganization. The trustee’s job is to sell whatever assets the estate has, pay creditors in priority order, and close the case. Customer contracts are typically classified as executory contracts (both sides still owe performance), and in Chapter 7 the trustee usually rejects them unless there is a buyer for that book of business. Rejected contracts give the customer a damages claim against the estate — but only as a general unsecured creditor, which is the bottom of the payout waterfall.
This is the most common Titan scenario based on customer reports. Your contract was likely rejected when the trustee took over. Practical effect: Titan will not finish the install, your deposit becomes a general unsecured claim against the estate, and any loan that disbursed (sometimes a portion is drawn at signing or at panel delivery) is still owed to the lender. File a Proof of Claim (Form B410) with the bankruptcy court before the bar date so your unsecured claim is on record. Whether you ever see a recovery depends on the estate’s asset pool, and recovery percentages on unsecured claims are commonly low.
Your loan continues. The lender services it as if Titan still existed. The system on your roof is yours, but the workmanship warranty is gone and you are responsible for finding O&M.
You own the system free and clear. Your only exposure is the lost workmanship warranty and any unfinished punch-list items, which are general unsecured claims against the estate.
This is the question that brings most Titan customers to a search bar at 11pm. The honest answer: no, not without a written legal defense in hand. The installer’s bankruptcy does not discharge the loan because the loan is held by a different company — typically Sunlight Financial, GoodLeap, or Mosaic on Titan jobs. That lender’s right to collect generally survives the installer’s bankruptcy, the lender continues to report to the credit bureaus, and a missed payment lands on your file as a delinquency.
The workable path is the opposite of stopping payment: keep payments current, gather every document that supports a defense (misrepresentation by the salesperson, undisclosed dealer fees, system never commissioned, production guarantee never honored), and have an attorney evaluate whether you can raise an FTC Holder Rule defense against the lender. The Holder Rule (16 CFR 433.2) generally allows a consumer to raise against the assignee any claim or defense the consumer could have raised against the seller. When the seller is gone, that defense becomes structurally important — and it generally only survives if you remained current on payments while you preserved it.
Hold the line on payments while you fight. We are not telling you to stop paying. The strategies on this page work only with payments current. If you need help building a defense, talk to a consumer-protection attorney before missing a single payment. Find a solar consumer attorney here.
The orphaned-customer playbook for warranty has three layers, and each layer has a different counterparty.
Register your equipment directly with the panel and inverter manufacturers if you have not already. Enphase microinverters carry a 25-year limited warranty; QCells and REC modules carry product and performance warranties of 12–25 years depending on series. Manufacturer warranties usually require proof of purchase (your Titan contract works) and the equipment serial numbers (visible in the monitoring portal or on the inverter label). File the registration in writing so there is a paper trail.
Some Titan customers were sold a third-party warranty through Solar Insure or a comparable program. That policy is independent of Titan and generally responds to claims directly. Pull the policy document, confirm the active term, and note the claims contact.
For the labor that Titan would have performed under workmanship — loose connections, conduit issues, monitoring outages, panel cleaning — you now hire an independent provider. Get at least two written quotes, confirm the technician is NABCEP-credentialed or has equivalent solar experience, and ask up front whether they will support the equipment brand on your roof. Some local roofing-and-solar contractors will also adopt orphaned systems for a setup fee.
This section is where an attorney earns their fee. The defenses below are general categories — whether any of them apply to your specific contract is a question for a licensed consumer-protection attorney in your state.
If your loan documents include the Holder Rule notice (most consumer installment contracts do, by federal regulation), you may be able to raise against the lender any claim or defense you could have raised against Titan. Examples that may qualify: the system was never commissioned, the salesperson materially misrepresented the savings or the monthly payment, the install never met the contract specifications. The Holder Rule does not erase the loan automatically; it is a defense you raise in writing and, if necessary, in court.
Most states have an Unfair and Deceptive Acts and Practices (UDAP) statute that runs against successors and assignees in limited circumstances. Some states (notably California, New Jersey, New York) have additional solar-specific consumer-protection rules.
For damages caused by Titan’s nonperformance (deposit not refunded, partial install, undelivered equipment), file a Proof of Claim. This does not reduce your loan balance, but it preserves your right to whatever pro-rata recovery the estate produces.
If the loan is already past-due or if the loan servicer has assigned the account to a debt collector, the playbook changes — that is a different stage with different rights. Read our post-collections FDCPA playbook here. If you are considering filing your own bankruptcy because the loan is unsustainable, the homeowner-side analysis is in our Chapter 7 solar loan discharge guide.
If your Titan loan servicer is escalating, if a collector has already contacted you, or if the lender is refusing to acknowledge the Holder Rule, get a free contract review and a referral to attorneys who handle orphaned-installer cases.
Titan is not alone. The 2023–2024 industry contraction took down several large residential installers, and the orphaned-customer pattern is repeating. Suntuity Renewables in New Jersey filed in 2024; Pink Energy (formerly Power Home Solar) had collapsed earlier; Sunworks and others wound down through bankruptcy or quiet shutdowns. The customer playbook is broadly similar across these cases — loan continues, workmanship gone, equipment warranty intact — but each estate handles claims and rejections on its own timeline.
For a current list and our coverage of how each installer’s estate is being administered, see our 2026 solar company bankruptcies tracker and the broader installer-bankruptcy guide at what to do when your solar company goes bankrupt. If you are a Suntuity customer specifically, our Suntuity orphaned-customer guide covers the New Jersey-specific procedural angle.
Ownership note: TRU Solar Cancellation, which appears in our cancellation-companies directory linked above, is a sister company that shares ownership with SolarPanelExit.com. TRU’s Solar Exit Document Package ($450 one-time, DIY only, not a law firm, no legal advice, results not guaranteed) is one option among several; we list independent alternatives at /best-solar-cancellation-companies.
Yes. Court records indicate Titan Solar Power LLC filed for Chapter 7 bankruptcy on June 14, 2024 and ceased operations. There is no longer an active corporate entity to honor cancellations, warranty work, or service calls. Remaining customer matters are handled through the bankruptcy estate and the third-party lenders that originated Titan loans. Verify the case number and trustee on PACER before filing any claim.
Send a written cancellation notice to the bankruptcy trustee of record (verify the case and trustee on PACER) and to your loan servicer if a loan was originated. Generally, an unfinished install becomes a rejected executory contract and any deposit becomes a general unsecured claim against the estate. Most homeowners benefit from an attorney to file a Proof of Claim correctly and to address any partial loan disbursement.
In most cases, yes. Titan loans were originated through third-party lenders, typically reported as Sunlight Financial, GoodLeap, or Mosaic. The loan obligation generally survives the installer’s bankruptcy because the lender is a separate company. Stopping payments without a written legal defense usually causes credit damage and may forfeit FTC Holder Rule arguments you could otherwise raise. Talk to a consumer-protection attorney before changing payment behavior.
The installer workmanship warranty from Titan is generally unenforceable now that the company is gone. Equipment warranties from the panel and inverter manufacturers (such as Enphase, QCells, REC, or Silfab) typically remain valid and run directly with the homeowner. Some Titan customers also had third-party warranties through Solar Insure, which may still respond to claims. Register your equipment directly with the manufacturer and keep the registration confirmation.
Verify the active case number and assigned trustee on PACER (pacer.uscourts.gov). File a Proof of Claim (Form B410) with the bankruptcy court before the bar date listed on the trustee’s notice. Include your contract, deposit receipts, and any documented damages. Most homeowners benefit from a bankruptcy attorney; pro se claims are common but procedurally easy to mistake, and missing the bar date forfeits the claim entirely.
Recovery on deposits is typically limited. In a Chapter 7 liquidation, customer deposits are treated as general unsecured claims and are paid only after secured creditors and priority claims. Recovery percentages on unsecured claims are commonly low. File a Proof of Claim regardless to preserve your position; meaningful recovery, if any, may take many months to determine after the trustee finalizes the asset pool.
For workmanship issues (loose connections, conduit, monitoring setup), you will generally need to hire and pay an independent O&M provider. For equipment failures (a dead inverter, an underperforming panel), the manufacturer warranty typically covers the part itself; you still pay an independent technician for labor. Get the technician’s NABCEP credential up front and confirm they support your equipment brand.
Generally yes, if your loan was secured by a UCC-1 fixture filing, that filing was made in favor of the lender (Sunlight Financial, GoodLeap, Mosaic, etc.) — not Titan. The lender’s lien typically survives the installer’s bankruptcy because the secured party is a separate entity. See our UCC fixture filing guide for the removal process.
Get a no-cost review of your Titan contract, your loan documents, and your warranty stack. We will map the next 30 days and connect you with a bankruptcy-experienced solar attorney where appropriate.
This content is based on independent research and represents our editorial team's opinions. SolarPanelExit.com and TRU Solar Cancellation share common ownership. We may receive compensation when you contact companies through our site. This does not influence our editorial rankings. Results vary by individual situation. This is not legal advice.
Disclaimer: This article is for educational purposes only and is not legal advice or tax advice. Bankruptcy procedures, consumer-protection statutes, and contract terms vary by state and by individual case. Results vary by individual situation. We do not advise homeowners to stop making payments or breach contractual obligations. Specific facts (case number, trustee, bar date, loan servicer) should be independently verified by the reader on PACER and on monthly loan statements before any action. SolarPanelExit.com and TRU Solar Cancellation share common ownership. Consult a qualified consumer-protection or bankruptcy attorney before taking action regarding your Titan Solar contract or loan. See our Ownership Disclosure, Advertiser Disclosure, and Methodology.