Is Setup My Solar Still in Business? What the Record Shows

The record on SetUp My Solar — verified

Compiled from court dockets, Florida DBPR records, BBB profiles, and published reporting. Sources below.

Out of business — Setup My Solar, Inc. of Zephyrhills (Pasco County) is closed per BBB, its successor/affiliate 320 Solar LLC also appears defunct, and the Florida AG's FDUTPA suit against the company d/b/a 320 Solar and its owners (announced Dec. 4, 2023) has no later Attorney General release as of September 18, 2026.

Bankruptcy / court record

No bankruptcy filing located for Setup My Solar, Inc. or 320 Solar, LLC.

Florida license status

Florida DBPR lists CGC1505057 and EC13008792 (Setup My Solar Inc.) and CGC1528899 (320 Solar LLC) as null and void, each expired August 31, 2022 (checked September 18, 2026).

Complaint record

BBB: F rating with a formal pattern-of-complaints alert for misrepresentation in selling practices (consumers told their electric bills would shrink or 'be zero dollars'); in its BBB response the company blamed 'previous owner Frankie Lane Ammons' for the complaint surplus. 320 Solar's BBB profile is flagged out of business, with complaints including panels that quit producing within four months and a phone number that redirected to a card-info scammer. Birdeye shows 87 reviews for 320 Solar.

Florida footprint

Pure Florida operation based in Zephyrhills (Pasco County). BuildZoom permit data shows 144 permitted projects statewide — counties include Pasco, Polk, Highlands, Sumter, Orange, Escambia, and Madison — on residential PV systems of roughly 6.6–14.4 kW valued $22K–$57K.

Financing seen on their installs

Not verified in public reporting — no lender names appear in the AG announcement, BBB record, or press coverage.

Reported problems

High-pressure sales with overstated savings, equipment quality, and tax-rebate promises; installs left incomplete or done improperly so they failed inspection; damage to homes; and solar bundled with water heaters and A/C units the company had no license or permit to install. FL AG specifics: FDUTPA action announced Dec. 4, 2023 (same day as Vision Solar) against SetUp My Solar d/b/a 320 Solar and its owners, seeking a permanent injunction against misleading solar claims plus refunds and other consumer relief.

“But the lender already paid SetUp My Solar — aren't I stuck?”

That is a question only a Florida attorney can answer for your loan. Here is what the rules and the records say in general:

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. The funding paperwork. Solar lenders usually release money to the installer on a completion certificate, often e-signed on a tablet. The certificate's date, and whether the system had a final inspection and permission to operate by then, are in the records.
3. Florida and federal consumer rules. FDUTPA (Florida's deceptive and unfair trade practices statute) and TILA (federal truth-in-lending disclosure rules) set out what sellers and lenders must disclose and may not do. Whether either reaches a particular sale or loan 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. We put the records in one file, yours to keep.