Sold by Lumio HX? You Have Options — Even If They're Gone.

The record on Lumio HX — verified

Compiled from court dockets, Florida DBPR records, BBB profiles, and published reporting. Verified July 2026 — sources below.

Lumio is gone: it filed Chapter 11 on September 3, 2024, sold substantially all assets to Florida-based Zeo Energy Corp. in November 2024, and its liquidating plan went effective February 18, 2025 — the Lumio brand is retired.

Bankruptcy / court record

In re Lumio Holdings, Inc. (with affiliate Lumio HX, Inc.), Chapter 11, U.S. Bankruptcy Court, District of Delaware, lead Case No. 24-11916 (Judge J. Kate Stickles), filed 9/3/2024. White Oak's stalking-horse credit bid fell away; the court approved sale to Zeo Energy Corp. (Nasdaq: ZEO, New Port Richey, FL) on 11/1/2024 for $4 million cash plus 6.2 million Zeo shares; liquidating plan effective 2/18/2025. Claims agent: Stretto (cases.stretto.com/lumio).

Florida license status

FL DBPR still shows the qualifier license — ORAM, CODY ELLIS dba LUMIO HX, INC., Certified Electrical Contractor EC13006740 — as 'Current, Active,' expiring 8/31/2026 (company license EC13011870 per BuildZoom), even though the company was liquidated. Contrast: Utah DOPL revoked Lumio's B100 contractor license on 1/29/2025 for failing to replace its qualifier.

Complaint record

BBB (Lumio, Lehi, UT): not accredited, 3.06/5 stars from about 1,086 customer reviews, roughly 750 complaints closed in the last 3 years, and BBB flags failure to respond to 60+ complaints. A separate Lumio HX, Inc. BBB profile exists for Orlando, FL. Complaint themes: 'your electric bill will disappear' promises, panels installed but not connected for 7+ months (paying two bills), and the federal tax credit pitched as a cash rebate.

Florida footprint

Lumio's Florida arm was Atlantic Key Energy (Winter Park/Orlando) — one of five regional installers rolled into Lumio in 2021. It sold heavily in Central Florida and the Treasure Coast; a WPTV investigation profiled a Treasure Coast couple paying $168/month on a ~$42,000, 25-year loan for panels sold by Lumio/Atlantic Key in 2022, with monthly costs up as much as 73% and no one answering at the company.

Financing seen on their installs

Third-party 25-year solar loans (~$42,000 in the documented WPTV Florida case; lender not named in reporting). Lumio sales flowed through the standard dealer-fee lenders of the period — GoodLeap, Sunlight Financial, Solar Mosaic, Dividend — which the Minnesota AG sued in 2024 over hidden dealer fees averaging 15-30% of loan cost. Florida customers should pull their own loan docs to identify the current note holder.

What we see on their Florida jobs

Panels installed but never connected or never passing inspection, leaving homeowners paying the solar loan plus the full FPL bill. Sales reps promised the power bill would vanish and pitched the tax credit as cash back. With the company liquidated, workmanship warranty claims generally have nowhere to go — though Florida permits and the still-active FL qualifier license can matter for Recovery Fund and FDUTPA angles, depending on the facts.

“But the lender already paid Lumio HX — aren't I stuck?”

Usually it's the opposite. The fact that your financer handed money to Lumio HX for a system that never worked is often where your leverage begins — not where it ends.

1. The Holder Rule puts the lender in Lumio HX's shoes. Nearly every solar loan contract carries the FTC's required Holder Rule notice. So “they never delivered a working system” can be raised against the loan itself — not just against a contractor that may be bankrupt.
2. How they released the money is often the problem. Solar lenders fund installers on a completion certificate — frequently e-signed on a tablet. We regularly see proceeds released before the system was ever operational.
3. You didn't get what you paid for. No working system is a failure of what you bargained for. Layered with FDUTPA (Florida's deceptive practices statute, attorney's fees recoverable) and TILA (federal truth-in-lending, hidden dealer fees), that funding gap is exactly what an attorney builds a claim around.

Important: don't just stop paying on your own — that can damage your credit and weaken your position. We document the gap first, then your attorney disputes it with the evidence already in hand.