Florida Solar + PACE Help
The system failed.
Your records
shouldn't.
Send one document. Get a clear, human-reviewed next step based on the public record.
- Human reviewed
- One-business-day start
- No obligation
One item is enough
Contract · tax bill · permit · photo
01
Document to begin
1 Day
To start your review
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 records check 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 Rules in Plain English
The Four Rules Florida Homeowners Read About Most
Here are the four rules Florida homeowners read about 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 main consumer-protection statute prohibits deceptive and unfair trade practices, including in sales pitches made at the kitchen table.
What this means in general: Florida law lets consumers challenge deceptive door-to-door and tablet sales pitches, and the court may order the side that loses, consumer or seller, to pay the other side's attorney's fees. Whether it reaches a particular sale is a question for a Florida attorney.
TILA — Truth in Lending Act
Federal law requires lenders to disclose the finance terms before you sign: the APR, the finance charge, the amount financed, and the payment schedule.
What this means in general: the disclosure form you signed shows what you were told about the loan. Whether the disclosures on a particular loan met the rule is a question for a Florida attorney.
FL Home Solicitation Sale Act
Door-to-door sales in Florida generally carry a 3-day right to cancel, and the seller must tell the buyer about it in writing.
What this means in general: the cancellation notice, or its absence, is part of the sale paperwork. Whether a particular sale qualifies is a question for a Florida attorney.
Whether any of these reaches your situation is a question for a Florida attorney. The free records check shows what your permit and license records say.
“But the lender already paid the contractor — aren't I stuck?”
That's a question only a Florida attorney can answer for you. What we can tell you is where the money trail is recorded: 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 exists. And it's pullable.
1
The FTC Holder Rule notice
Many consumer loan contracts that finance a sale carry the notice the FTC requires, which states that the holder of the loan is subject to the claims and defenses the buyer could raise against the seller, with recovery capped at the amount paid. Whether it reaches a particular loan is a question for a Florida attorney.
2
How the money was released is in the records
Solar lenders usually fund the installer on a completion certificate — frequently e-signed on a tablet at install. Investigative reporting has documented lenders releasing money before projects were finished, after which some contractors simply walked away. The certificate, its date, and who signed it are part of the funding paperwork.
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. We put those records in one file, yours to keep. What they mean under statutes like FDUTPA (deceptive practices) and TILA (finance-term disclosure) is a question for a Florida attorney.
Stopping payments can damage your credit, and whether to keep paying is a decision to make with a Florida attorney. We do not advise on whether to pay. What we do is document the record — PTO status, final inspection, the funding and completion paperwork — in one file, yours to keep.
Start Holding Them Accountable
Every Party in the Paper Trail — and the Channels Homeowners File Themselves
Most of the first moves are records and complaint channels you can use yourself this week. (General information, not legal advice.)
The installer
For abandoning the job, deceptive sales, unpermitted work, or shoddy work that broke Florida's rules.
Homeowner-filed channels: public agencies accept license and consumer complaints directly from homeowners, free. The directory of those channels, the same for every customer, comes with your package, with the records and blank templates.
Their insurance & bond
A contractor's general-liability insurer, and any surety bond, each have their own published claim process.
Homeowner-filed: get the damage photographed and documented now, while it's fresh.We pull the contractor's public license record and, if the county holds one, its certificate of insurance.
The equipment makers
Panel, inverter, and battery warranties (Enphase, SolarEdge, and others) run directly to you and survive the installer going under.
Homeowner-filed: 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.
Homeowner-filed: the CFPB takes complaints about consumer lenders directly from borrowers, and written disputes are a homeowner-filed channel. We put the loan paperwork in date order, in one file, yours to keep.
The regulators
The Florida Attorney General, the FTC, the CFPB, and the DBPR all take consumer complaints, each with its own published filing instructions.
Homeowner-filed: every one of these agencies takes complaints directly from homeowners, free. We hand you the directory of portals, the same one every customer receives.
What you can start this week
- 1Document everything — the system, the roof, the permits, the paperwork. (Or let us assemble your records for you: the $99 records package.)
- 2Stop the damage. If you have active leaks or water intrusion, get the roof protected now. It prevents worse damage; photograph everything before and after the repair.
- 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 every document is dated and in one place.
- 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 send you the same list of independent Florida consumer-protection attorneys every customer receives. 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 paperwork.
Qualified, licensed local roofing contractors can protect and repair your roof now.Getting it photographed and dried-in also gives you dated photos.
Get Help With an Active LeakWe are not lawyers and this is not legal advice. We handle the documentation and give you the directory of free, homeowner-filed channels, then send you the same list of independent Florida attorneys every customer receives, if you want one.
The Service
What We Actually Do
Four steps. Complaints and Construction Recovery Fund filings are made by you. Warranty service is requested by you. We pull the records; what they mean is a question for your attorney. 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. The attorney list comes with the Complete Report.
Complete Report — done for you
$99 flat
Done for you: your permit and inspection history, license records, and the documents you signed, pulled, dated, and organized. Your records in one file, yours to keep.
- 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 Florida complaint-channel directory — public agencies that accept consumer complaints, each with its own published instructions and a link to its own site. 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
- The practical steps checklist, the same for every customer — warranty terms and forms, utility and loan records you can request yourself, licensed contractor quotes, and a dated log for your calls and letters. No legal steps and no deadlines.
- An index of the documents you signed or send — each term on our fixed term list, the same list for every customer, 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.
- 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 record, not the verdict.
Attorney List — after your report is complete
Included with the Complete Report
- Once your report is finished, we send you the same list of independent Florida consumer-protection attorneys every customer receives: MSO Law, Vargas Gonzalez Delombard, and Diaz Law.
- We are not lawyers. The attorney list is the same for every customer, and you hire whomever you choose.
System Removal & Roof Remediation
Custom-quoted by the licensed contractor — 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. The licensed contractor gives you a firm number after seeing the roof — no surprises.
- Performed by qualified, licensed local roofing contractors we coordinate with — safe, code-compliant electrical disconnect and de-energization
- Permit, de-energization, panel removal, and utility notification by the licensed contractor
- Roof patch or full re-roof, depending on condition
- Dated photo closeout package with the permit record, yours to keep
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 records file — permits, PTO status, dated photographs, and your own documents quoted word for word — and send you the same list of independent, licensed Florida consumer-protection attorneys every customer receives. You choose who to hire; the list costs you nothing.
- 1.MSO Law (Mubarak, Sherif & Oladipo, PLLC) — Tampa · mso.law
- 2.Vargas Gonzalez Delombard, LLP — Winter Park and Coral Gables · vargasgonzalez.com
- 3.The Diaz Law Firm, P.A. — Hialeah · thediazlawfirm.com
You're never obligated to use any attorney on the list, and you're free to hire whomever you choose. We receive no fee or other benefit from any attorney.
How the Work Gets Done
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 LLC documents your project and coordinates the removal work. 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
- Records & Documentation
- Collaborative Concept LLC —solar-exit records & 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 records side — we assemble your records and give every customer the same attorney list.
Known Installers
Were You Sold by One of These?
Here's what has been publicly reported about the installers Florida homeowners ask us about 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 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 — court records with their sources →
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: Five lenders were named in a 2022 multistate attorney general letter: GoodLeap, Solar Mosaic, Sunlight Financial, Dividend Solar Finance, and Cross River Bank.
Vision Solar
Hit with state lawsuits over deceptive door-to-door sales and left customers with unfinished, non-permitted installs.
Typical lenders: Dividend Solar Finance (a Fifth Third Bank company), per Florida reporting.
MC Solar and Roofing
A repeated name in Florida complaints for abandoned jobs and roof damage left behind.
Typical lenders: Various third-party solar finance companies.
SetUp My Solar
Tied to high-pressure sales and installs that stalled before activation.
Typical lenders: Various third-party solar finance companies.
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 the Florida PACE programs whose records we document.
We document the PACE assessment, the underlying solar or roof work, the permits, and what you were actually told — in a written report, yours to keep. If the system needs to come off and the roof restored, removal and roof work is by licensed local roofing contractors.
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
Dated photographs of your system and roof, taken from the ground, and your permit history.
- 3
Day 7–14
Your written report is delivered, with the same attorney list every customer receives.
- 4
Day 30–90
The file is yours to use as you choose. If removal is needed, permits are pulled and the work is scheduled.
- 5
Day 90–180
System removed, roof restored, and your closeout documentation delivered — photos and permits — yours to keep.
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 what the record shows
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. Here is what the record shows — and which records exist for your own install.
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 what else belongs in the same records file.
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 and BBB lists it as no longer in business — yet Florida still lists the company ACTIVE. Here is each record, with the date we read it.
Read the guide →No Cost · No Obligation
Get a Free Records Check
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. Verify any Florida contractor license at MyFloridaLicense.com.