Florida Homeowners · Failed Solar · Predatory Loans
Your Solar System Doesn't Work. Your Loan Still Does. We Fix Both.
From Palm Beach and Boca to Fort Lauderdale, Miami, the Treasure Coast, and Orlando — homeowners trapped by Pink Energy, Vision Solar, ADT Solar, Sunnova, Freedom Forever, and other failed installers, or a PACE / Ygrene loan, have legal rights and physical options. We help you use them.
Consulting & documentation by Collaborative Concept FL · Licensed roofing & solar work by SeaBreeze Roofing & Solar (CVC57073 · CCC1328689) · Backed by Florida Consumer-Protection Attorneys
Start with a free project review
Two minutes. We call you within 24 business hours. No cost, no sales script.
Get a Free Project Review- • Written report your attorney can use
- • Vetted FL consumer-protection lawyers
- • Safe removal & roof repair if you want it
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 →You were sold on lies
“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.
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
Why You're Not Stuck
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
The lender that financed your system is legally on the hook for the installer's lies and broken promises.
What this means for you: you may be able to raise the installer's fraud directly against the loan, not just against a company that no longer exists.
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 for you: deceptive door-to-door and tablet sales pitches can be challenged, and prevailing consumers can recover attorney's fees.
TILA — Truth in Lending Act
Federal law requires honest disclosure of finance terms. Hidden dealer fees can extend your right to cancel up to 3 years.
What this means for you: if fees or terms were buried, the normal cancellation window may still be open long after signing.
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 for you: a sale made at your home that broke these rules may be voidable, and the seller may have broken the law.
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?”
Usually it's the opposite. The fact that your financer handed money to an installer for a system that never worked is often where your leverage begins — not where it ends.
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
You didn't get what you paid for
No working system is a failure of what you bargained for. Layered with FDUTPA (deceptive practices) and TILA (the hidden “dealer fee” baked into the financed amount), 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. The order matters. We document the gap first — no PTO, no final inspection, the funding and completion paperwork — then your attorney disputes it with the evidence already in hand.
Start Holding Them Accountable
Everyone Who's on the Hook — and How to Start Today
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.
First step: file a license complaint with the Florida DBPR and a consumer complaint with the Attorney General. We help you word both.
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.
First step: get the damage photographed and documented now. We help identify their policy and bond and put them on notice.
The equipment makers
Panel, inverter, and battery warranties (Enphase, SolarEdge, and others) run directly to you and survive the installer going under.
First step: file a warranty / RMA claim straight with the manufacturer for any failed equipment — federal law protects that warranty.
The lender / financer
The FTC Holder Rule makes the company that financed your system answer for the installer's lies and broken promises.
First step: dispute the loan in writing and file a complaint with the CFPB. We help you build the paper trail.
The regulators
The Florida Attorney General, the FTC, the CFPB, and the DBPR all take consumer complaints — and a paper trail strengthens your position.
First step: file with each. We hand you the exact portals and help you describe what happened.
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.
- 3File your complaints — DBPR, Florida AG, FTC, and CFPB. We give you the links and help you tell the story.
- 4Put the lender on notice in writing — the Holder Rule dispute and a billing dispute, so they can't claim they never knew.
- 5File manufacturer warranty claims for any failed panels, inverters, or batteries.
- 6When your facts justify it, we connect you with a vetted Florida attorney — starting with Alan Raines of Raines Legal in Boca Raton — to take it the rest of the way: lawsuit, arbitration, or the Construction Recovery Fund.
Active leak or roof damage? Don't wait on the legal process.
Water doesn't pause for paperwork. Our licensed partner SeaBreeze Roofing & Solar 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 self-help steps and the documentation, then hand you to a vetted attorney when your situation calls for one.
The Service
What We Actually Do
Three phases. You can start with documentation and stop there, or go all the way through removal. No pressure, no upfront “make your loan disappear” promises.
Documentation & Inspection
$497 flat — credited back if you become a removal client
- On-site inspection of the system, roof, permits, PTO status, and monitoring data
- A written report formatted for your attorney to use as evidence
- Permit history pulled from your county portal
- License verification of the original installer (active, lapsed, or revoked)
Attorney Referral
- We connect you with vetted Florida attorneys — led by Alan Raines of Raines Legal (Boca Raton), along with MSO Law, Joshua Horton Law, Vargas Gonzalez Delombard, and Diaz Law — many of whom work on contingency
- We are NOT lawyers and we do NOT charge you a referral fee
- You hire whomever you choose. We just shorten the search and hand over a file they can act on.
System Removal & Roof Remediation
Custom-quoted after your inspection — 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 the inspection — no surprises.
- Performed with our licensed roofing & solar partner, SeaBreeze Roofing & Solar (CVC57073) — for 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 — also usable as legal evidence
Alan Raines
Raines Legal — Boca Raton, FL
Nearly three decades representing Florida homeowners, associations, and property owners in construction and contract disputes, business litigation, and arbitration — recognized by Super Lawyers every year from 2017 to 2026. When a failed solar install or a PACE / Ygrene loan turns into a fight with a contractor, lender, or insurer, Raines Legal is the Boca Raton firm we most often start South Florida homeowners with.
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.
Our Licensed Roofing & Solar Partner
We partner with SeaBreeze Roofing & Solar on every removal
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, the hands-on work is performed by our licensed partner, SeaBreeze Roofing & Solar — so every disconnect, removal, and roof repair is done by the correct Florida-licensed trade.
Licensed entity: SeaBreeze Roofing & Sheet Metal, Inc. — Certified Solar Contractor CVC57073 + Certified Roofing Contractor CCC1328689, Boynton Beach, FL. Verify any Florida license at MyFloridaLicense.com.
Certified Solar Contractor — CVC57073
Code-compliant electrical disconnect, de-energization, and panel removal — handled by a licensed solar contractor, not a handyman.
Certified Roofing Contractor — CCC1328689
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.
Boynton Beach–based, boots on the ground
Local crews working 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 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 Roofing & Solar Partner
- SeaBreeze Roofing & Solar — SeaBreeze Roofing & Sheet Metal, Inc., Certified Solar Contractor CVC57073 + Certified Roofing Contractor CCC1328689 (Boynton Beach, FL)
- Bonded & Insured
- $1M general liability + workers' compensation
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: even if your lender already paid one of these companies, the FTC Holder Rule can put that lender on the hook for what you were promised.
Were you sold by Pink Energy / Power Home Solar?
Status: 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.
What we usually see: We typically see undersized systems, failed battery units, and no PTO — homeowners paying for solar that never turned on.
Get a free review of your Pink Energy install →Were you sold by Vision Solar?
Status: 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.
What we usually see: Permits never closed, inspections never passed, and loans that started billing before anything was energized.
Get a free review of your Vision Solar install →Were you sold by MC Solar and Roofing?
Status: 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.
What we usually see: Leaks and improper flashing where panels were mounted, plus unfinished roof work.
Get a free review of your MC Solar and Roofing install →Were you sold by SetUp My Solar?
Status: Tied to high-pressure sales and installs that stalled before activation.
Typical lenders: GoodLeap and others.
What we usually see: Systems sitting idle for months waiting on a utility approval that was never properly filed.
Get a free review of your SetUp My Solar install →Were you sold by ADT Solar / SunPro?
Status: ADT shut down its solar division in 2024, stranding warranty and service obligations.
Typical lenders: Often GoodLeap and Sunlight Financial.
What we usually see: Working systems with no one left to honor the 25-year warranties customers paid a premium for.
Get a free review of your ADT Solar install →Were you sold by Lumio HX?
Status: Filed for bankruptcy in 2024 amid widespread customer complaints.
Typical lenders: GoodLeap and Mosaic.
What we usually see: Half-finished installs and monitoring that was never activated.
Get a free review of your Lumio HX install →Were you sold by Titan Solar Power?
Status: One of the largest installers in the country — ceased operations in 2024, leaving service and warranty gaps.
Typical lenders: GoodLeap, Mosaic, Sunlight Financial.
What we usually see: Functional hardware with orphaned warranties and no service path.
Get a free review of your Titan Solar Power install →Were you sold by SunPower?
Status: Filed for bankruptcy in 2024; dealer and warranty support became unreliable.
Typical lenders: Various lenders, including in-house financing.
What we usually see: Premium systems where service requests now go unanswered.
Get a free review of your SunPower install →Were you sold by Sunnova?
Status: Faced major financial distress and federal scrutiny over its dealer network's sales practices.
Typical lenders: Sunnova in-house financing and lease/PPA agreements.
What we usually see: Leases and loans with escalating payments tied to production the system never delivered.
Get a free review of your Sunnova install →Were you sold by Solar Mosaic?
Status: 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.
What we usually see: Loans that kept billing after the installer disappeared. This is exactly where the Holder Rule matters.
Get a free review of your Solar Mosaic install →Were you sold by Meraki Installers?
Status: A subcontractor name that surfaces on abandoned and improperly permitted Florida jobs.
Typical lenders: Various.
What we usually see: Permitting and inspection gaps that leave the homeowner holding the liability.
Get a free review of your Meraki Installers install →Were you sold by Freedom Forever?
Status: A large dealer network with a heavy volume of Florida complaints over delays and sales claims.
Typical lenders: GoodLeap, Mosaic, Sunlight Financial.
What we usually see: Long activation delays and production promises that didn't match reality.
Get a free review of your Freedom Forever install →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
Legal process underway. If appropriate, removal is scheduled in parallel.
- 5
Day 90–180
System removed, roof restored, and your claim in arbitration or settlement.
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)
Greater Orlando / Central Florida
Orlando · Kissimmee · Sanford · Winter Park · Apopka · Clermont · St. Cloud (Orange, Seminole, Osceola & Lake Counties)
Don't see your city? We cover the rest of Florida too — call and ask.
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.
- Licensed roofing & solar partner · SeaBreeze Roofing & Solar (CVC57073 · CCC1328689). Real company, real licenses, real address.