Florida Solar + PACE Help
The system failed.
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shouldn't.
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Florida
Permits, licenses + PTO
Choose your situation
What happened to your solar project?
Tap the closest match. Each path gives you the useful details without crowding the homepage.
Does this sound like you?
It never actually worked
No permission to operate. The utility never approved it, or it's been dark for months. Your FPL or Duke bill never went down the way they promised.
My system never turned on →The pitch didn't match the paperwork
“Free solar.” A tax credit you didn't qualify for. A fake utility “partnership.” You signed a 25-year loan on a tablet in your kitchen before you understood it.
“Free solar” — what to do →The installer is gone
Bankrupt, dissolved, or the phone just rings. No warranty support, no service, nobody to call — but the loan payment still hits your account every month.
My installer went bankrupt →Recognize any of these? You're not stuck — and the first step is free.
Rather talk first? Get a free project review or call (561) 475-8615
As Reported by Florida Newsrooms
You're Not Imagining This — the Press Has Documented It
Florida's solar and PACE mess has been investigated by local TV stations, major newspapers, and the state itself. If your story sounds like these, you are far from alone.
Customers stuck paying for non-working, unpermitted solar panels
CBS12 / WPEC — West Palm Beach I-TeamRead the report →Palm BeachCompanies refuse to insure a Palm Beach County homeowner with solar panels
WPTV — NBC5 West Palm BeachRead the report →Statewide PACE / Ygrene“Tax Hit”: a finance program is trapping Florida homeowners in debt
Tampa Bay Times — InvestigationRead the report →Tampa BayPACE lenders under county scrutiny after investigation
WFLA — 8 On Your SideRead the report →Orlando“Totally taken advantage of”: the high cost of “free” solar
WFTV — Action 9 OrlandoRead the report →StatewideLegal action against Vision Solar and SetUp My Solar for deceiving Floridians
Florida Attorney GeneralRead the report →Florida Solar Exit Program is independent and is not affiliated with, endorsed by, or sponsored by any news outlet shown. Headlines link to the original reporting and are provided for general information.
The Legal Levers
The Four Laws Florida Homeowners Use Most
The loan and the lies are connected by law. Here are the four levers Florida homeowners use most — in plain English. (This is general information, not legal advice.)
FTC Holder Rule
A federal rule requires most consumer loan contracts to carry a notice putting the lender in the seller's shoes — subject to the same claims and defenses a buyer could raise against the seller.
What this means in general: homeowners can raise claims about the sale against the loan itself, not just against a company that no longer exists. Whether it reaches a particular loan is a question for a Florida attorney.
FDUTPA — FL Deceptive & Unfair Trade Practices Act
Florida's strongest consumer-protection statute makes deceptive sales tactics illegal, with up to a 4-year window to act.
What this means in general: Florida law lets consumers challenge deceptive door-to-door and tablet sales pitches, and prevailing consumers can recover attorney's fees. Whether it reaches a particular sale is a question for a Florida attorney.
TILA — Truth in Lending Act
Federal law requires honest disclosure of finance terms. When dealer fees are hidden, TILA can extend the right to cancel up to 3 years.
What this means in general: when fees or terms are buried, the law can keep the cancellation window open long after signing. Whether that applies to a particular loan is a question for a Florida attorney.
FL Home Solicitation Sale Act
Door-to-door sales carry a 3-day right to cancel, and sellers who lie can face criminal penalties.
What this means in general: Florida law can make in-home sales that break these rules voidable, and violations carry penalties for the seller. Whether a particular sale qualifies is a question for a Florida attorney.
Not sure which of these applies to you? That's exactly what the free review is for.
“But the lender already paid the contractor — aren't I stuck?”
That's a question only a Florida attorney can answer for you — but here's what attorneys ask for first: the funding paperwork. When a lender pays an installer for a system that never turned on, the record of how and when that money moved is evidence. And it's pullable.
1
The Holder Rule puts the lender in the installer's shoes
Nearly every solar loan contract carries the FTC's required Holder Rule notice: the lender takes your loan subject to the same claims and defenses you could raise against the installer. So “they never delivered a working system” can be raised against the loan itself — not just against a contractor who may be bankrupt. Recovery is generally limited to what you've paid, but it can also be a defense to what you still owe.
2
How they released the money is often the problem
Solar lenders usually fund the installer on a completion certificate — frequently e-signed on a tablet at install. We regularly see proceeds released before the system was ever operational (no PTO, no final inspection), or certificates signed by deception or forged outright. Investigative reporting has documented lenders releasing money before projects were finished, after which some contractors simply walked away.
3
What was financed vs. what was delivered
A permit history with no final inspection and a utility file with no PTO shows — in black and white — the gap between what was financed and what was delivered. That documented gap, alongside statutes like FDUTPA (deceptive practices) and TILA (finance-term disclosure), is exactly what a Florida attorney evaluates. We build the file; the attorney makes the call.
Important: consumer attorneys widely caution against simply stopping payments on your own — missed payments can damage your credit. What we do is document the record first — PTO status, final inspection, the funding and completion paperwork — so whatever you and your attorney decide, the evidence is already in hand.
Start Holding Them Accountable
Every Party in the Paper Trail — and How Homeowners Start
You don't have to wait for a lawyer to begin. Most of the first moves are things you can do yourself this week — and we walk you through every one, at no cost, right up to the point an attorney takes over. (General information, not legal advice.)
The installer
For abandoning the job, deceptive sales, unpermitted work, or shoddy work that broke Florida's rules.
Where homeowners start: the Florida DBPR takes license complaints and the Attorney General takes consumer complaints — both free, both homeowner-filed. We hand you the links, the records, and blank templates.
Their insurance & bond
If the installer damaged your roof or home, their general-liability insurance or surety bond may have to pay to put it right.
Where homeowners start: get the damage photographed and documented now, while it's fresh. We help pull the public records that identify the contractor's license, insurer, and bond.
The equipment makers
Panel, inverter, and battery warranties (Enphase, SolarEdge, and others) run directly to you and survive the installer going under.
Where homeowners start: manufacturers take warranty / RMA claims directly from equipment owners, and federal warranty law backs those warranties up. We document which equipment failed, and when.
The lender / financer
Under the FTC Holder Rule, the company that finances a sale generally takes the loan subject to the same claims a buyer could raise against the seller — a notice printed into most consumer loan contracts.
Where homeowners start: the CFPB takes complaints about consumer lenders directly from borrowers, and written disputes are a homeowner-filed channel. We build the dated paper trail that backs either one up.
The regulators
The Florida Attorney General, the FTC, the CFPB, and the DBPR all take consumer complaints — and a paper trail strengthens your position.
Where homeowners start: every one of these agencies takes complaints directly from homeowners, free. We hand you the directory of portals and the documented facts to attach.
What you can start this week — we'll guide you
- 1Document everything — the system, the roof, the permits, the paperwork. (Or let us build the written report in Phase 1.)
- 2Stop the damage. If you have active leaks or water intrusion, get the roof protected now — it prevents worse damage and preserves your evidence.
- 3Know the complaint channels. The DBPR, Florida AG, FTC, and CFPB all take complaints directly from homeowners, free. We hand you the full directory with each agency's own published filing instructions.
- 4Get the loan file organized — the contract, the Holder Rule notice printed in it, the funding paperwork, and every payment — so anything you and your attorney later decide to raise is dated and documented.
- 5Check the equipment warranties. Panel, inverter, and battery warranties run directly to the homeowner and survive an installer's bankruptcy. We document model numbers, serials, and failure dates.
- 6If you want a lawyer's read, we connect you with vetted, independent Florida attorneys — including our vetted attorney network in Boca Raton — and hand over a file they can act on. Lawsuit, arbitration, or the Construction Recovery Fund: a Florida attorney can tell you which, if any, applies to you.
Active leak or roof damage? Don't wait on the legal process.
Water doesn't pause for paperwork. Our licensed partner qualified, licensed local roofing contractors can protect and repair your roof now — stopping the damage while your accountability process comes together. Getting it documented and dried-in also makes your evidence stronger.
Get Help With an Active LeakWe are not lawyers and this is not legal advice. We guide you through the documentation and the free, homeowner-filed channels, then hand you to a vetted attorney if you want one.
The Service
What We Actually Do
Four steps — and the order matters: the report comes first, the attorney comes after. Complaints, warranty claims, and the state Recovery Fund are all homeowner-filed, and if you do hire a lawyer, walking in with the file already built cuts their work — and your cost. We pull the evidence; what it means for your rights is your attorney's call. No pressure, no upfront “make your loan disappear” promises.
Free Records Check — what the record actually says
Free — no charge, no obligation
- Upload your contract, tax bill, or photos — a real person reads them
- Within 1 business day: what your permit and inspection history shows, and whether your installer held a valid Florida license on the day of your install
- Every free complaint channel you can file yourself — DBPR, the Attorney General, FDACS, CFPB — with the direct links
- Facts and public records — no opinion, no sales pressure. What they mean for your contract or loan is a legal question only a Florida attorney can answer — and our attorney connection comes with the Complete Report, because the file is what an attorney acts on.
Complete Report — done for you
$99 flat
Filing a complaint that actually goes somewhere is a documentation job, not a typing job. DBPR's own complaint packet says no investigation can begin until you provide all relevant information and documentation — complaints without the contract, invoices, permit history and photos get closed as legally insufficient. This is that file, built for you.
- Your complete records package — permit and inspection history pulled from your building department, installer and electrician licenses verified for the date of your install, your utility interconnection record requested, and your system and roof photographed and date-stamped
- Our full intake questionnaire — the questions experience says matter, asked and answered up front: Is the system producing? Did you ever get permission-to-operate? Any roof leaks or ceiling stains, and when did they start? Who is servicing the loan now? Your answers go into the file, dated and organized.
- The complete Florida complaint directory — every agency that takes solar complaints, with each agency's own published filing instructions, deadlines, and direct links. The same directory goes to every customer.
- Blank forms and letter templates, plus a completed sample filled out for a fictional homeowner so you can see what a finished one looks like — you put your own facts in
- A plain-English index of what you signed — key terms quoted word-for-word with page and paragraph, a dated timeline, and your contract side-by-side with what the public record shows
- Yours to keep, forever — use it yourself, hand it to any attorney you choose, or attach it to any complaint you file. We take no referral fee and no payment of any kind from any attorney, ever.
- What this isn't: we're not lawyers and this isn't a legal opinion. We don't tell you whether you have a claim to bring. You're buying the evidence, not the verdict.
Attorney Connection — after your report is complete
Included with the Complete Report — we take no fee from anyone
- Once your report is finished, we connect you with independent Florida consumer-protection attorneys — including MSO Law, Joshua Horton Law, Vargas Gonzalez Delombard, and Diaz Law — whose published practice areas match what your records involve. Many work on contingency.
- Why after the report? Because attorneys act on documents, not stories. Arriving with the finished file makes the first conversation short — and makes it far more likely they say yes.
- We are NOT lawyers, we take no referral fee and no payment of any kind from any attorney, and you hire whomever you choose.
System Removal & Roof Remediation
Custom-quoted after a site visit — every roof is different
Your exact price depends on a lot: roof type (shingle, tile, metal, flat) and pitch; the roof's age and any existing damage or active leaks; the mounting and racking system used; the size, weight, and condition of the array; the number of penetrations and conduit/electrical runs; permit and inspection requirements in your county; and whether the roof needs a simple patch around the mounts or a full re-roof. We give you a firm number after we've seen the roof — no surprises.
- Performed by qualified, licensed local roofing contractors we coordinate with — safe, code-compliant electrical disconnect and de-energization
- Permit pull, de-energization, panel removal, and utility notification handled for you
- Roof patch or full re-roof, depending on condition
- Photo and infrared documentation closeout package — dated, sourced, and yours to hand to anyone, including any attorney you choose
Vetted, independent Florida attorneys
Consumer-protection litigators across Florida
We are not attorneys and we don't practice law. What we do is build the documented case file — permits, PTO status, roof condition, the promises made in the sale — and connect you with independent, licensed Florida consumer-protection attorneys who handle failed-solar, PACE, and lender disputes. Many work on contingency. You choose who to hire; the introduction costs you nothing.
You're never obligated to use any attorney we introduce — you're always free to hire whomever you choose. We receive no referral fee from you.
How the Work Gets Done
We connect the dots — licensed pros do the licensed work
Let's be clear about what we are and what we aren't: we are not roofers and we are not attorneys. Collaborative Concept FL documents your project and runs the process end to end. When a system has to come off and a roof needs to be made right, we connect you with qualified, licensed, established local roofing contractors who perform the work — so every disconnect, removal, and roof repair is done by the correct Florida-licensed trade.
All roofing and solar work is performed by independent, Florida-licensed contractors — never by us. Verify any Florida contractor's license yourself at MyFloridaLicense.com.
Licensed solar disconnect & removal
Code-compliant electrical disconnect, de-energization, and panel removal — performed by state-licensed contractors, not a handyman.
Licensed roof repair
Flashing repair, roof patching, or a full re-roof after the panels are off, so your roof is sealed and warrantied — not left with holes.
Local, established crews
We work with established contractors across Palm Beach, Broward, Miami-Dade, the Treasure Coast, and the Orlando area — the same regions we serve.
Straight Talk
What This Is NOT
Read this part carefully. Being straight with you is the whole point — too many of these companies weren't.
- We are not lawyers and we do not provide legal advice.
- We are not roofers. We don't perform roofing or solar work ourselves — qualified, licensed local contractors do.
- We do not promise to cancel your loan. Outcomes depend on your facts and your attorney.
- We do not take money upfront to “make your loan disappear” — those are scams, and we'll show you how to spot them.
- We do not work for any lender, installer, or finance company. We work for you.
Who You're Dealing With
- Consulting & Documentation
- Collaborative Concept LLC — solar-exit consulting & documentation, Lantana, FL
- Licensed Contractor Network
- Removal and roof work is performed by qualified, licensed, established local roofing contractors — never by us. Verify any Florida contractor at MyFloridaLicense.com.
- Not Roofers · Not Attorneys
- We're the documentation and coordination layer — we connect the dots between you, licensed contractors, and independent Florida attorneys.
Known Installers
Were You Sold by One of These?
Here's what we know about the installers we see most across Palm Beach, Broward, Miami-Dade, the Treasure Coast, and the Orlando area. If yours is on this list, you are not alone — and your paperwork probably looks a lot like the files we've already worked. And remember: the FTC Holder Rule generally lets a buyer raise claims about the sale against the lender that financed it — even after the lender has paid the installer. A Florida attorney can tell you whether it reaches your loan.
See the full Florida solar bankruptcy tracker — verified court records, updated monthly →
Pink Energy / Power Home Solar
Filed for bankruptcy in 2022 and shut down nationwide after thousands of complaints about systems that never produced power.
Typical lenders: Often financed through GoodLeap and Solar Mosaic.
Vision Solar
Hit with state lawsuits over deceptive door-to-door sales and left customers with unfinished, non-permitted installs.
Typical lenders: Commonly GoodLeap and Sunlight Financial.
MC Solar and Roofing
A repeated name in Florida complaints for abandoned jobs and roof damage left behind.
Typical lenders: Various — frequently Mosaic, plus PACE / Ygrene assessments on roof-plus-solar jobs.
SetUp My Solar
Tied to high-pressure sales and installs that stalled before activation.
Typical lenders: GoodLeap and others.
ADT Solar / SunPro
ADT shut down its solar division in 2024, stranding warranty and service obligations.
Typical lenders: Often GoodLeap and Sunlight Financial.
Lumio HX
Filed for bankruptcy in 2024 amid widespread customer complaints.
Typical lenders: GoodLeap and Mosaic.
Titan Solar Power
One of the largest installers in the country — ceased operations in 2024, leaving service and warranty gaps.
Typical lenders: GoodLeap, Mosaic, Sunlight Financial.
SunPower
Filed for bankruptcy in 2024; dealer and warranty support became unreliable.
Typical lenders: Various lenders, including in-house financing.
Sunnova
Faced major financial distress and federal scrutiny over its dealer network's sales practices.
Typical lenders: Sunnova in-house financing and lease/PPA agreements.
Solar Mosaic
A lender — not an installer — but the financing behind many failed installs, and a named party in Holder Rule claims.
Typical lenders: Mosaic is itself the lender.
Meraki Installers
A subcontractor name that surfaces on abandoned and improperly permitted Florida jobs.
Typical lenders: Various.
Freedom Forever
A large dealer network with a heavy volume of Florida complaints over delays and sales claims.
Typical lenders: GoodLeap, Mosaic, Sunlight Financial.
PACE · Ygrene · HERO Loans
Stuck in a PACE, Ygrene, or HERO Loan?
PACE financing (Property Assessed Clean Energy) isn't a normal loan — it's a lien attached to your property and repaid through your property tax bill. In Florida it was sold door-to-door by Ygrene, Renew Financial, and others, often for solar and roofs. Thousands of homeowners got blindsided.
If your taxes jumped after a contractor put solar or a new roof on your home, or you can't sell or refinance because of an assessment you don't understand, you are not imagining it — and you are not alone.
Your property taxes exploded
PACE is repaid as a tax assessment. A federal CFPB study found PACE raised borrowers' property taxes by about $2,700 a year — roughly a 90% jump. Florida homeowners have seen tax bills go from $300 to $1,200, or $900 to over $6,000.
You can't sell or refinance
The PACE lien sits ahead of your mortgage. Most buyers' lenders won't close until it's paid off — sometimes with a prepayment penalty — so the assessment can quietly trap you in a home you're trying to leave.
Foreclosure risk through your tax bill
Because PACE rides on your property taxes, falling behind can put your home into the tax-lien foreclosure process. Seniors and fixed-income homeowners have been hit the hardest.
You were told things that weren't true
The FTC ordered Ygrene to pay $3 million to harmed consumers and Florida's Attorney General logged 100+ complaints — including claims that homeowners were falsely told the loan would simply transfer when they sold or refinanced. Many were approved with no real ability-to-repay review.
Financed through Ygrene, Renew Financial / Home Run Financing, the HERO program (Renovate America / FortiFi), the Florida PACE Funding Agency, Counterpointe Energy Solutions, or PACE Funding Group? Those are exactly the Florida programs we document every week.
We document the PACE assessment, the underlying solar or roof work, the permits, and what you were actually told — in a written report your attorney can use under Florida's consumer-protection statutes. If the system needs to come off and the roof restored, we handle that too.
Review My PACE / Ygrene LoanWhat the Process Looks Like
- 1
Day 1
Free phone intake. We listen, you ask questions, no obligation.
- 2
Day 3–7
On-site inspection of your system, roof, and permit history.
- 3
Day 7–14
Your written report is delivered and attorney introductions are made.
- 4
Day 30–90
Your file goes to work wherever you send it — an attorney, an agency, or your own records. If removal is needed, permits are pulled and the work is scheduled in parallel.
- 5
Day 90–180
System removed, roof restored, and your closeout documentation delivered — photos, infrared, permits — yours to keep and use.
Service Areas
Where We Work
We're based in Palm Beach County and serve homeowners across South Florida, the Treasure Coast, and the greater Orlando area. If your solar or PACE problem is in Florida, start with a free review — if we're not the right fit for your county, we'll point you to who is.
South Florida
West Palm Beach · Boca Raton · Boynton Beach · Delray Beach · Wellington · Fort Lauderdale · Pompano Beach · Hollywood · Miami · Hialeah · Kendall (Palm Beach, Broward & Miami-Dade Counties)
Treasure Coast
Stuart · Jensen Beach · Hobe Sound · Port St. Lucie · Fort Pierce · Vero Beach (Martin, St. Lucie & Indian River Counties)
Don't see your city? We cover the rest of Florida too — call and ask.
Free Guides
Know the record before you call
Plain-English answers to the most common Florida solar and PACE problems — written for homeowners, not lawyers.
Vision Solar Customers in Orlando: What the Record Shows and What You Can Do (2026)
Vision Solar shut down in late 2023 and filed Chapter 7 while under enforcement by three state attorneys general. Before calling an Orlando attorney, here is what the record shows — and how to build your own file.
Read the guide →PACE & FinancingPACE Loan Payoff in Florida: How to Get Your Payoff Number and What's In It
Your PACE payoff number comes from one document: a payoff statement from the program administrator named on your tax bill. Here is how Florida homeowners request it, what is usually in it, and why the full records file comes first.
Read the guide →Installer BankruptciesIs Meraki Solar Still in Business? No — Here Is What the Record Shows
Meraki Installers sold its assets to Freedom Forever in July 2024, then liquidated through a Florida court filing in August 2025. Here is what the record shows — and the documents a Florida homeowner will want in hand.
Read the guide →No Cost · No Obligation
Get a Free Project Review
Funded but never worked? Sold by a company that's now gone? Stuck in a PACE or Ygrene loan? Tell us what happened — we'll call within 24 business hours. No cost, no obligation, no sales script.
- We call you within 24 business hours. A real person, not a robocall.
- Everything stays private. We never sell your information.
- All licensed work is performed by qualified, licensed, established local roofing contractors. We are not roofers and not attorneys — we connect the dots. Verify any Florida contractor license at MyFloridaLicense.com.