If a UCC filing from GoodLeap, Mosaic, or another solar lender is still recorded against your Florida home after bankruptcy, our attorneys may be able to help you challenge it.
Tell us what’s going on. No cost, no obligation. We’ll call you back.
01 THE PROBLEM
Most homeowners hear this for the first time from a title agent. If a solar company, GoodLeap, or Mosaic filed a UCC fixture filing against the home before the bankruptcy, that filing can survive the discharge even though the underlying debt is gone.
The lien can sit on the title long after the loan itself is legally dead, and it can block a sale, a refinance, or a clean closing until someone deals with it directly.
“A recorded filing can still be challenged. It takes a legal review to know whether yours can.”
Brian E. Miller, Founding Partner
These are two separate legal facts, and your discharge ended only one of them.
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You filed Chapter 7 or Chapter 13, the solar debt was discharged, but a lien is still showing up on a title search
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You’re trying to sell or refinance and just found out the sale can’t close because of a solar panel lien
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You had a GoodLeap loan and you’re not sure what happened to the UCC filing after your bankruptcy
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You had a Mosaic loan and the lien is still recorded even though the account says paid or discharged
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The solar installer went out of business, and now nobody can tell you who holds the lien or how to clear it
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You’re being billed by a servicer you don’t recognize while the lien stays on record
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You’re not sure if a Chapter 13 plan can strip the lien, or if it’s too late to try
Most of the people who call us are in one of these situations. If you recognize yourself here, the review is worth the phone call.
THE CLOSING THAT STALLED
The buyer is ready, the lender is ready, and the closing can’t happen until somebody explains what that filing is and how it comes off.
THE DISCHARGE THAT DIDN’T FINISH
GoodLeap or Mosaic was listed in the bankruptcy, the debt was discharged, and the UCC fixture filing never came off the title.
THE COMPANY THAT VANISHED
The installer folded, the loan was sold or assigned, and you’re being billed by a servicer you’ve never heard of while the lien sits on record.
Our attorneys read the whole file before telling you what may be possible.
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Solar sales practices at the time the panels were installed
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The original financing documents and loan terms
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What is recorded against the title
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The contractor or installer’s conduct
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Whether consumer protection claims may apply
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How the bankruptcy filing and discharge interact with the lien
WERE YOU TOLD ANY OF THIS?
If you heard any of these, it’s worth having a second set of eyes on the paperwork.
“Your electric bill will disappear.”
“The system will pay for itself.”
“You’ll receive thousands in tax credits.”
“This will increase your home’s value.”
“You can refinance easily.”
No single one of these promises is fraud on its own. If what you were told doesn’t match what you got, that gap can matter for your case.
Tell us briefly what’s going on. There’s no cost and no obligation.
The solar contract, financing paperwork, bankruptcy filings, recent utility bills, and any notices about the lien.
Our attorneys look at where the lien sits and what avenues might be available to challenge or resolve it.
We explain it in plain language, with no pressure and no jargon. You decide what to do next.
Brian E. Miller founded The Independence Law Firm in Maitland, Florida, and has spent his career focusing on bankruptcy, discharge, and consumer debt matters. He also reviews the solar lien cases that come into the office.
Founding Partner · The Independence Law Firm
A free, confidential case review can tell you whether the lien on your home can be challenged. There’s no cost and no obligation.
