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Checked October 21, 2026: Solar Titan USA (Ideal Horizon Benefits, LLC), a Knoxville, Tennessee installer, has been under a court-appointed receiver since February 2023 in a lawsuit by Tennessee and Kentucky (E.D. Tenn. case 3:23-cv-00046).[1][2] On September 16, 2026 the court entered a consent judgment requiring lender Solar Mosaic to stop collecting the Solar Titan loans it still held as of March 6, 2026, at least $303,460.75.[4] Loans outside that group are still owed to whoever holds them. This is not a bankruptcy case.
| Defendant company | Ideal Horizon Benefits, LLC d/b/a Solar Titan USA, Knoxville, Tennessee[3] |
|---|---|
| Court | U.S. District Court, Eastern District of Tennessee (Knoxville)[1] |
| Case | State of Tennessee v. Ideal Horizon Benefits, LLC, No. 3:23-cv-00046, Judge Clifton L. Corker[1] |
| Filed | February 6, 2023, by the Tennessee and Kentucky Attorneys General[1][2] |
| Event | Federal receivership, not bankruptcy. A temporary restraining order froze assets and put a receiver in control of the company[2] |
| Receiver | Richard Ray (filings in the case are made by him as receiver)[1] |
| Lender settlement | Consent judgment with Solar Mosaic LLC entered September 16, 2026 (Doc. 404)[4] |
| Trial | Set for March 23, 2027; on October 14, 2026 the states and the remaining defendants asked to move it to May 24, 2027[5] |
| Who holds your loan now | Former Mosaic loans are serviced by Solar Servicing LLC, a Forbright Bank subsidiary, since September 22, 2025[7] |
If your loan is from any lender except Tesla, our partner Solar Exit Group (Uso Holdings LLC) may be able to help. No cost to submit. Paid partner; it does not change our ratings.
Solar Titan USA case status
Solar Titan USA is the trade name of Ideal Horizon Benefits, LLC, which the states describe as a Knoxville-based solar sales and installation business run since 2019; its marketing listed offices in Tennessee, Kentucky, Alabama and Georgia.[3] On February 6, 2023, the Tennessee and Kentucky Attorneys General sued the company, three individuals who owned or ran it, and its main lender, Solar Mosaic, in federal court in Knoxville, case 3:23-cv-00046.[1][3]
Two days later the court granted a temporary restraining order: Solar Titan was barred from the practices alleged, the assets of the company and its principals were frozen, and a court-appointed receiver took control of its headquarters, accounts, records and assets.[2][6] The receiver is Richard Ray; he filed his twentieth status report on August 10, 2026.[1] There is no Solar Titan bankruptcy; the company is being wound down through the receivership. See the Solar Titan USA row in our solar company bankruptcy register for the dated record.
| Date | Event | Source |
|---|---|---|
| Feb 6, 2023 | Tennessee and Kentucky sue Solar Titan, its principals and Solar Mosaic, E.D. Tenn. 3:23-cv-00046 | [1] |
| Feb 8, 2023 | Temporary restraining order: assets frozen, receiver takes control | [2] |
| Jun 6, 2025 | Solar Mosaic files Chapter 11 in the Southern District of Texas (No. 25-90156), delaying the case | [5] |
| Sep 22, 2025 | Solar Servicing LLC takes over Mosaic's loan servicing | [7] |
| Aug 7, 2026 | Mosaic's bankruptcy court approves the consent judgment; separately, the district court authorizes the receiver to auction company property | [4][1] |
| Sep 2, 2026 | Court approves a settlement between Solar Titan and Generac and orders the receiver to pay counsel $187,320.54 from the settlement funds | [1] |
| Sep 16, 2026 | Consent judgment between the states and Solar Mosaic entered | [4] |
| Oct 14, 2026 | States and the remaining defendants ask to move the trial from March 23, 2027 to May 24, 2027 | [5] |
The Mosaic settlement: which loans are canceled
The consent judgment resolves the states' claims against Solar Mosaic only. Mosaic does not admit any allegation.[4] What it must do:
- Stop collecting a minimum of $303,460.75 in “Covered Consumer Debt”: debt owed to Mosaic by consumers who financed a Solar Titan system and that Mosaic still held and owned as of March 6, 2026, including principal, interest and fees.[4]
- Not covered: any Solar Titan loan that was referred, sold, assigned or transferred to a third party before March 6, 2026.[4] If your loan was sold, the deal does not cancel it.
- Notify you: within 30 business days, Mosaic must tell each covered consumer by email and by mail that the debt is canceled.[4]
- Clean up records: ask the credit bureaus to delete the covered debt, file termination statements for any UCC fixture filing within 60 business days, and refund any payment received on covered debt after the effective date within 30 days.[4]
The judgment says it creates no private rights, and it does not release claims of other people or other agencies.[4] If you think your loan is covered but you have no notice, ask the servicer in writing and contact the Tennessee or Kentucky Attorney General.
If you have a loan
The states say Mosaic was Solar Titan's primary lending partner.[3] Former Mosaic loans are now serviced by Solar Servicing LLC, a wholly owned subsidiary of Forbright Bank, which took over on September 22, 2025 and says payment terms did not change.[7] If your loan is not canceled by the settlement, you still owe it.
Still paying a solar loan (not Tesla)? See if a solar exit company can take your case. Free to check, no obligation, not legal advice. We may earn compensation when you contact companies through our site. This does not change our ratings.
Get matched with a solar exit company- Find your lender and servicer: the company on your monthly statement. Not sure? Use our who services my solar loan lookup, or see Mosaic solar loan and Solar Servicing LLC.
- Check the 18-month step-up. The states allege every Mosaic loan financing a Solar Titan sale raised the monthly payment after 18 months unless the borrower paid down 26% to 30% of the balance.[3] Ask the servicer for your current balance and schedule in writing.
- Sales claims can follow the loan. A seller-arranged consumer credit contract must carry the FTC Holder Rule notice: any holder of the contract is subject to the claims and defenses you could raise against the seller, and recovery cannot exceed what you paid under the contract.[8]
- To exit the loan, the routes are payoff, refinance or sale of the house. See how to get out of a solar loan and solar loan refinance. After payoff, get the lien released: solar UCC lien removal.
We do not advise homeowners to stop making payments or breach contractual obligations. A dispute is raised in writing while you keep paying; missed payments can damage your credit and weaken your position.
If you paid cash
You own the system and owe no one for it. Solar Titan's own promises are now in the hands of a receiver who is selling company property, so its workmanship warranty is unlikely to be honored.[1] Whether consumers recover money depends on the remaining case against the company and its principals, which is still headed to trial.[5]
What Tennessee and Kentucky allege
These are allegations in the states' complaint, not findings. The claims against Solar Titan and the individual defendants have not been decided.[3][5]
- Sales representatives promised 50% to 90% energy bill savings and misled homeowners about tax credits and “energy buyback” programs.[3]
- “Turnkey” installs instead meant delays, failed inspections, substandard work and unexpectedly high loan payments.[3]
- Solar Titan and Mosaic ignored cancellation requests made within the three-day rescission window.[3]
- The owners used company money for luxury purchases and a separate charter business in Florida.[3]
Rules for your state: Tennessee and Kentucky solar laws. Not the same company: Titan Solar Power, an Arizona installer.
Warranty and repairs
With Solar Titan in receivership, plan on a new installer for service. Panel, inverter and battery warranties are separate promises from the manufacturers; register them directly. The court has approved a settlement between Solar Titan and Generac, but the docket entry does not describe its terms for homeowners.[1]
- Solar panel warranty after your installer fails: which warranties survive and how to claim them.
- Solar panel repair after your installer fails: finding a new installer and what repairs cost.
Who to contact now
| Your situation | Contact |
|---|---|
| Loan payments, balance, payoff (former Mosaic loan) | Solar Servicing LLC, or the servicer on your statement[7] |
| Complaint about Solar Titan | Tennessee Attorney General's Division of Consumer Affairs, the clearinghouse for Solar Titan complaints[2]; Kentucky homeowners can also file with the Kentucky Attorney General |
| Court record | E.D. Tenn. case 3:23-cv-00046 on CourtListener[1] |
| Servicer mishandles your account | CFPB complaint (personal and installment loans); most companies respond within 15 days[9] |
How-to guides: filing a state attorney general complaint and filing a CFPB complaint against a solar company. More failed installers: what to do when your solar company went bankrupt.
Disclosure: We may earn compensation when you contact companies through our site. This does not change our ratings. Our partner for solar loans (all lenders except Tesla) and Sunnova PPAs is Uso Holdings LLC d/b/a Solar Exit Group; see authorized partners. SolarPanelExit.com is not affiliated with Solar Titan USA, its receiver, Solar Mosaic, Solar Servicing or any party to the lawsuit. Solar Titan USA is not Titan Solar Power, a separate Arizona company.
Frequently asked questions
Is Solar Titan USA still in business?
No longer under its owners' control. Since February 2023 a federal court-appointed receiver has controlled Solar Titan USA's offices, accounts and assets in a lawsuit by Tennessee and Kentucky, and the court has authorized the receiver to auction company property.
Did Solar Titan USA file for bankruptcy?
No bankruptcy filing is part of the record we checked. Solar Titan USA is in a federal receivership in the Eastern District of Tennessee, case 3:23-cv-00046. Its lender Solar Mosaic filed Chapter 11 in Texas in June 2025.
Is my Solar Titan loan canceled?
Only if it is covered by the September 16, 2026 consent judgment: a Solar Titan loan that Solar Mosaic still held and owned as of March 6, 2026. Mosaic must notify covered borrowers by email and mail. Loans sold to third parties before that date are not covered.
Do I still have to pay my Solar Titan loan?
If your loan is not covered by the Mosaic settlement, generally yes. We do not advise homeowners to stop making payments or breach contractual obligations. Ask your servicer in writing whether your loan is covered.
Who services Solar Titan Mosaic loans now?
Solar Servicing LLC, a wholly owned subsidiary of Forbright Bank, took over Mosaic's loan servicing on September 22, 2025. Check your monthly statement for the servicer on your account.
When is the Solar Titan trial?
Trial was set for March 23, 2027. On October 14, 2026 the states and the remaining defendants asked the court to move it to May 24, 2027. Check the docket for the current date.
Still paying a solar loan (not Tesla) or a Sunnova PPA? See if our partner Solar Exit Group can help. No cost to submit. Paid partner; it does not change our ratings.
Sources
Checked October 21, 2026. Court dates and servicer details change; confirm on the linked primary source before you act.
- Court docketCourtListener (PACER/RECAP), State of Tennessee v. Ideal Horizon Benefits, LLC, E.D. Tenn. No. 3:23-cv-00046
- State attorney generalTennessee Attorney General, Federal Judge Grants Tennessee Attorney General's Temporary Restraining Order against Solar Titan USA (February 8, 2023)
- Court filingComplaint, State of Tennessee and Commonwealth of Kentucky v. Ideal Horizon Benefits, LLC d/b/a Solar Titan USA, et al. (February 2023), copy hosted by WHAS11
- Court orderConsent Judgment and Order between Tennessee, Kentucky and Solar Mosaic LLC, Doc. 404 (September 16, 2026)
- Court filingMotion to Extend Trial Date and Amend Scheduling Order, Doc. 407 (filed October 15, 2026)
- NewsWSMV 4, Solar Titan placed in receivership after TN, KY AGs file lawsuit (February 8, 2023)
- ServicerForbright Bank, Solar Mosaic's loan servicing operations transition to Solar Servicing (September 22, 2025)
- Regulation16 CFR 433.2, FTC Holder Rule notice (Cornell LII)
- RegulatorCFPB, Submit a complaint
Disclaimer: This article is general information, not legal or financial advice, and does not create an attorney-client relationship. Results vary by individual situation. We do not advise homeowners to stop making payments or breach contractual obligations. Consult a qualified attorney licensed in your state before acting on your solar contract or loan. We may earn compensation when you contact companies through our site. This does not change our ratings. Solar Exit Group (Uso Holdings LLC) is a paid partner; see authorized partners. See our Ownership Disclosure, Advertiser Disclosure and Methodology.