Titan Solar Bankruptcy Exposes Homeowners to Legal Risk — Here’s Your Essential Guide
The sudden collapse of Titan Solar Power in June 2024 sent shockwaves through the solar industry and left thousands of homeowners feeling stranded. With installations unfinished, solar systems malfunctioning, and finance payments still active, many customers are asking: What now? If you financed a solar system through Titan Solar or were left with broken promises, you may still have legal options.
At Lawyer Orphan Annie Solar, we specialize in helping homeowners navigate legal challenges stemming from failed solar companies. This article breaks down everything you need to know about Titan Solar’s bankruptcy, your legal rights, and the steps you can take today to protect yourself.
What Really Happened to Titan Solar?
On June 13, 2024, Titan Solar Power abruptly shut down operations. Just a week later, on June 20, the company officially filed for Chapter 7 bankruptcy, effectively ending its ability to deliver on any warranties, installations, or services it had previously promised.
This move left many homeowners in a legal and financial bind. People who trusted Titan for their solar energy needs suddenly found themselves stuck with unfinished work, faulty panels, or loan obligations on systems that don’t even work.
Why You Can’t Sue Titan Directly
Due to the Chapter 7 bankruptcy filing, all legal actions against Titan Solar Power have been automatically paused or dismissed. Bankruptcy law protects companies from litigation during the process, which means homeowners cannot sue Titan directly for unfinished work, misrepresentation, or damages.
This has understandably caused frustration, but don’t lose hope—there is another legal route you can take.
But You’re Not Out of Options: Sue the Lender Instead
Thanks to powerful consumer protection laws, specifically the FTC Holder Rule, you may be able to bring claims directly against the lender who financed your solar system.
Here’s how it works: If Titan Solar committed fraud, misrepresented services, or breached your contract, you can assert those same defenses against the lender. This could include:
- Cancelling your loan
- Receiving a refund
- Removing a UCC lien from your property title
Even though Titan is bankrupt, the lender who financed your solar system can still be held accountable.
Understanding the FTC Holder Rule
The FTC Holder Rule is a federal protection designed to shield consumers from deceptive or fraudulent business practices when third-party financing is involved. Essentially, it means that any loan agreement you signed related to Titan’s services cannot legally isolate the lender from Titan’s wrongdoing.
So if Titan Solar tricked or misled you, those claims are valid not only against Titan (who can’t be sued) but also against the loan company, which can still be held legally responsible.
Many homeowners have already used this rule to cancel their solar loans and stop payment without damaging their credit, especially when the system never worked or was installed improperly.
Immediate Steps for Impacted Homeowners
If you were affected by Titan Solar’s shutdown, here are the key actions to take immediately:
- Check your loan paperwork: Look for terms that reference the installer, UCC-1 liens, or third-party financing companies.
- Compile your evidence: Gather contracts, installation photos, marketing materials, warranties, and communications with Titan Solar.
- Talk to a solar litigation lawyer: Specialists like Lawyer Orphan Annie Solar handle these cases and understand how to apply the FTC Holder Rule effectively.
- File a claim against the lender: Legal professionals can help you initiate arbitration or court claims based on your specific case.
- Explore warranty options: Some solar panel manufacturers still honor warranties even if the installer is out of business.
Why Acting Now Is Critical
Taking swift legal action is crucial for several reasons:
- Selling your home becomes difficult: Many Titan-financed systems include UCC liens. These must be resolved before you can sell or refinance your property.
- Avoid worsening loan impact: Continuing to pay for a broken or uninstalled system drains your finances without delivering value. Legal action can help stop these payments and recover your losses.
Professional Legal Support Matters
At Lawyer Orphan Annie Solar, we understand the complexity and frustration homeowners face when dealing with failed solar companies like Titan Solar. With a proven track record of handling many solar litigation cases, our firm has successfully helped clients cancel fraudulent solar loans, eliminate UCC liens from property titles, and recover from misleading solar panel financing agreements.
Backed by deep knowledge of consumer protection laws—including the FTC Holder Rule—our team fights to protect your rights and your financial future. Whether you’re stuck with a non-functioning system or a loan you never fully agreed to, we’re here to guide you every step of the way.
Protect Your Home and Finances
The fall of Titan Solar Power may have left you feeling helpless—but you’re not alone. Legal options still exist, and laws are in place to protect you from financial abuse caused by failed solar companies and careless lenders.
Let Lawyer Orphan Annie Solar help you review your case, defend your rights, and reclaim control of your home and finances. Contact us today for consultation, and take the first step toward justice and resolution.