Your Freedom Forever System Was Financed by Credit Human: What the Chapter 7 Liquidation Changes

Not legal advice. Solar Exit Group is not a law firm, does not provide legal advice, and is not affiliated with, endorsed by, or acting on behalf of Credit Human, Freedom Forever, or any court. This page summarizes public reporting, official company information, and publicly posted court procedures for informational purposes. Deadlines and procedures in a bankruptcy case can change by court order. Verify any date against the court docket and any contact detail against the company's own website before relying on it, and talk to a licensed attorney in your state about your own situation.

Last updated: September 11, 2026.

Short answer

At a glance

Why Credit Human can still bill you when Freedom Forever is gone

Freedom Forever LLC installed your system. Credit Human financed it. Those are two different companies with two different contracts, and only one of them is in bankruptcy.

Freedom Forever filed Chapter 11 on April 15, 2026 and the case converted to Chapter 7 liquidation on August 7, 2026 in the U.S. Bankruptcy Court for the District of Delaware, case 26-10522, before Judge Brendan L. Shannon, with Alfred T. Giuliano appointed as Chapter 7 trustee (pv magazine USA). Chapter 7 means the company is being wound down and sold off, not reorganized. There is no version of this case where Freedom Forever comes back and finishes your job.

Your financing agreement with Credit Human is a separate obligation. Credit Human did not file for bankruptcy, so nothing in the Freedom Forever case discharges, cancels, voids, or pauses what you owe. If you simply stop paying, the consequences fall on you, not on the bankrupt installer. Because this is a consumer loan from a federally insured credit union, missed payments are reported to the credit bureaus like any other installment loan, and the delinquency follows you rather than the installer.

There is one piece of genuinely useful news buried in the court reporting. Credit Human is one of seven financing partners that obtained relief from the automatic stay in the Freedom Forever case, specifically so they could resume and complete stranded installations, hire replacement contractors, and get systems through to permission to operate (pv magazine USA). The other six are Credit Human, EnFin, EverBright, GoodLeap, Participate, Project Solar, and Sunrun.

What you actually signed

Credit Human's solar product is SustainableHome Financing, described on its own site as financing offered "through participating dealers" for solar, home improvement, geothermal, and water capture projects (Credit Human, SustainableHome Financing). Freedom Forever was one of those participating dealers.

Two features of that structure matter to you now.

You own the system. A loan buys the equipment; it is yours, along with every maintenance obligation attached to it. There is no third-party owner with a contractual duty to keep it running, and no lease provider to call when the inverter fails. On the other hand, you keep any federal tax credit you were eligible for, you keep all the production, and you can sell, repair, or replace the equipment without anyone's permission.

The credit was arranged by the dealer at the point of sale. You did not shop for this loan at a branch. Freedom Forever presented it, you signed, and the paper went to Credit Human. That fact is the reason the consumer-protection analysis below is different from the one that would apply to a mortgage, and it is the single most important thing to tell an attorney reviewing your file.

Unlike several of the other Freedom Forever financing partners, Credit Human is a regulated credit union rather than a solar fintech, and its accounts are NCUA insured (Credit Human). In practical terms that usually means a more conventional servicing experience and a real dispute process, and it also means the institution is not going anywhere.

What Credit Human has publicly said about Freedom Forever

Nothing. As of September 11, 2026, a review of Credit Human's contact page, About Us page, Support Center, and its SustainableHome Financing pages found no press release, no customer notice, no FAQ entry, and no dedicated page about the Freedom Forever bankruptcy or about how stranded Freedom Forever installations will be completed.

This matters for a practical reason. There is no published policy for you to point to, no announced remediation program to enroll in, and no promised timeline to hold anyone to. Whatever happens with your system will be negotiated one account at a time, by phone, by whoever calls and documents it. That is an argument for calling early and writing everything down, not for waiting to see what gets announced.

It also means you should treat any third-party website claiming to describe "Credit Human's Freedom Forever program" with real suspicion. Several sites appeared in 2026 offering to handle solar bankruptcy claims for a fee. Filing a proof of claim in the Freedom Forever case is free.

If your system was never finished, never inspected, or never turned on

This is the group with the most leverage and the shortest window to use it. Freedom Forever left homes at every stage of incompletion: panels on the roof but no inverter, equipment in the garage, a full install that never passed inspection, a system that passed inspection but never received permission to operate from the utility.

If that is your situation, the order of operations matters.

1. Call Credit Human at 800-688-7228, the Member Service Center line published on its contact page and open a documented file. Say plainly that Freedom Forever was liquidated in Chapter 7, that your system is incomplete, and that you understand Credit Human obtained relief from the automatic stay to hire replacement contractors and complete installations. Ask for a ticket or reference number and the name of the person you spoke to.
2. Ask the specific question, in writing. Will Credit Human assign a replacement contractor to complete the installation and carry it to permission to operate, and by when? Send it by email as well as saying it on the phone. Credit Human publishes its mailing address as 1703 Broadway Suite 104, San Antonio, TX 78215, which is where a written dispute should also go if the phone call goes nowhere.
3. Ask what happens to payments in the meantime. Credit Human has published no policy on payment relief for stranded Freedom Forever installs, so treat any accommodation as something to be negotiated account by account rather than an entitlement. Get the answer in writing before you rely on it, and never assume a verbal assurance survives a change of representative.
4. Photograph everything now. The roof, the equipment, the electrical panel, any boxes still sealed in your garage, and any damage. Date-stamped photographs of an unfinished install are the most persuasive documents in this entire situation, and they get harder to produce once someone else works on the system.
5. Keep paying attention to your permit. Building permits expire. If your permit was pulled under Freedom Forever's contractor license, that license is winding down with the company, and a replacement contractor may need to pull a new permit or have the existing one transferred. Call your city or county building department and ask about the status of the permit on your address. This is the step almost nobody takes, and it is often the real reason a project sits still.

Do not let a stalled system quietly become a permanent one. A system that never reached permission to operate produces nothing, saves nothing, and in most financing structures still bills you. Every month of silence makes the paper trail colder.

Who covers your warranty now

Solar warranties on a Freedom Forever install came in layers, and the layers failed unevenly. Sorting out which one covers a given problem is the difference between a covered repair and an out-of-pocket one.

Two practical consequences. First, manufacturer warranties are usually honored but almost always require a licensed installer to perform the labor, and they rarely cover that labor cost. A free replacement inverter can still leave you paying several hundred dollars to have it installed. Second, the workmanship layer is the one that covers roof leaks, and it is the one that is gone. If water is entering your home around a solar mount, treat that as an urgent roofing problem to solve on its own timeline, not something to wait on a bankruptcy case for. A roof leak that goes unaddressed becomes a structural and mold problem that costs many multiples of the repair.

Find your equipment model numbers and serial numbers now, while you can. They appear on your installation documents, your interconnection application, your permit paperwork, in your Credit Human digital banking documents, and on the equipment labels themselves. Without them, a manufacturer warranty claim stalls before it starts.

Liens, UCC filings, and paying the balance off

Credit Human's website does not address UCC-1 financing statements, county fixture filings, liens, or lien releases on any of its published solar pages. That silence is not evidence either way, and it is worth resolving yourself, because a recorded fixture filing can surface at the worst possible moment: during a refinance or three weeks before a closing.

Two steps, both cheap:

1. Search your county recorder's records for your own address. You are looking for a UCC-1 financing statement or a fixture filing naming Credit Human or Freedom Forever. Most county recorders offer a free online index search.
2. Ask Credit Human directly, in writing, for a payoff quote and a statement of any filings it has recorded. Call 800-688-7228 to open the request, then confirm it in writing. If you are selling or refinancing, start this 30 to 60 days before closing, not during the final week.

A UCC-1 fixture filing on solar equipment is normal in this industry and is generally not a mortgage lien against your home. It does, however, need to be released or subordinated at the right moment in a sale or refinance, and that process runs on the lender's timeline rather than yours.

Whether the financing contract itself can be challenged

This is the question most homeowners actually want answered, and it deserves a careful answer rather than an encouraging one.

Because your Credit Human loan agreement was arranged at the point of sale by the installer rather than obtained independently from a bank, a body of consumer-protection law applies that would not apply to an ordinary mortgage. The central provision is the FTC's Holder in Due Course Rule, 16 CFR Part 433, which provides that a holder of a consumer credit contract is subject to the claims and defenses the buyer could assert against the seller of the goods or services. In plain terms, when a company buys or takes an assignment of the paper a dealer generated, it can inherit the dealer's problems, generally capped at the amounts the consumer has paid.

That is the doctrinal hook homeowners reach for when the installer misrepresented savings, promised a system that was never delivered, or left the job unfinished. It is a real rule, not a loophole. But it is not self-executing, and it is not a cancellation button. Whether it applies to your agreement depends on the exact contract language, your state's law, the assignment history of your paper, and what you can actually prove the installer said. Courts do not agree on its scope, and applying it typically requires a lawyer and, in many contracts, an arbitration proceeding rather than a lawsuit.

Two contextual points worth knowing. The CFPB's own CFPB Issue Spotlight on solar financing found that in dealer-arranged solar lending, "some lenders include substantial markups and fees that can increase the loan principal by 30 percent or more," which is why the gap between a system's cash price and its financed price is one of the first things an attorney looks at. And a Freedom Forever install adds a specific wrinkle: the seller whose conduct is at issue no longer exists as a going concern, which removes the ordinary defendant and makes the assignee relationship more central, not less.

We are not telling you that you have a claim. We are telling you the analysis is document-driven, so the documents are worth assembling before anyone opines on your odds. Read our plainer walkthrough of how to get out of a solar contract and, if arbitration is in your agreement, our account of what happened when a solar lender actually lost in arbitration.

Your October 16 claim against Freedom Forever is a separate track

Whatever happens with Credit Human, there is a hard deadline in the bankruptcy case itself. The proof-of-claim bar date in the Freedom Forever Chapter 7 case is October 16, 2026, and a meeting of creditors was scheduled for September 22, 2026 at 11:00 a.m. Eastern (pv magazine USA).

That deadline is your claim against Freedom Forever, not against Credit Human. It covers things such as a deposit you paid for work never performed, warranty claims against the installer, and money you spent fixing Freedom Forever's work. Filing costs nothing, and Official Form B410 is published by the federal courts (uscourts.gov), with filing procedures on the Delaware bankruptcy court's claims information page.

Be realistic about the recovery. Freedom Forever reported assets between $100 million and $500 million against more than $500 million in debt, with more than 50,000 unsecured creditors, and roughly 150,000 homeowners had its systems. Unsecured homeowner claims sit near the back of that line, and many will recover little or nothing. Filing is a free option that expires on October 16, not a payday. The full walkthrough is in our guide to the Freedom Forever Chapter 7 liquidation.

Two cautions worth stating plainly. Signing a proof of claim that overstates your losses carries real penalties under 11 U.S.C. sections 152 and 3571, up to $500,000 and five years. And filing a claim against Freedom Forever does not reduce, offset, or cancel what you owe Credit Human. Those are separate books.

Documents to gather before you call

The single biggest predictor of how a call with a servicer goes is whether you have your paperwork in front of you. Collect these into one folder, digital or physical:

1. Your SustainableHome Financing loan agreement or other Credit Human loan agreement with Credit Human, including every page, exhibit, and signature page
2. Your installation contract or purchase agreement with Freedom Forever, with the total system price and equipment list
3. Every payment record: statements, autopay confirmations, canceled checks, and any deposit receipt
4. The equipment list with panel, inverter, and battery model and serial numbers
5. All permit documents, inspection records, and the interconnection or permission-to-operate paperwork if you ever received it
6. Utility bills for twelve months before the install and every month since, which is how you prove the system is not producing
7. Any production or monitoring data or screenshots you can pull from whatever monitoring app the installer set up
8. Every text message, email, and voicemail from Freedom Forever sales representatives, especially anything about savings, bill elimination, tax credits, or rebates
9. Any UCC-1 financing statement or county fixture filing recorded against your property, obtainable from your county recorder
10. Photographs of the installation as it stands today, including any damage or unfinished work
11. A written timeline: signing date, install dates, who said what, and every call you have made since
12. Anything you received about the bankruptcy, including notices from the trustee or claims agent

Start the timeline today even if it is incomplete. Memory fades fast, and a contemporaneous log written as things happen carries far more weight than one reconstructed a year later.

How Solar Exit Group helps

We are not a law firm, we do not give legal advice, and we cannot file a proof of claim for you. What we do is assemble the case file. For a homeowner with a Freedom Forever install and Credit Human financing, that means pulling together the Credit Human loan agreement, the installation contract, the UCC filings and county records, production data, utility bills, permit and interconnection paperwork, and the sales communications, and organizing them into a package a consumer-protection attorney can evaluate quickly.

Then, where the file supports it, we refer it to a partner law firm licensed in your state. The review is free, there is no upfront cost, and there is no guaranteed outcome. Plenty of files turn out not to support a claim, and we will tell you that rather than sell you something.

We are not affiliated with Credit Human, with Freedom Forever, with the Chapter 7 trustee, or with any court. If you are looking for the fastest path to a working system, call Credit Human directly at 800-688-7228, the Member Service Center line published on its contact page before you call anyone else, including us.

FAQ

Get a free case review

If Freedom Forever installed your system, the work was never finished or never performed as promised, and Credit Human still expects payment, Solar Exit Group can help you organize your documents into a clear case file, at no upfront cost, with no obligation and no guaranteed outcome.

Call 833-765-2711 or email info@solarexitgrp.com.

Not legal advice. Solar Exit Group is not a law firm. We do not represent homeowners in bankruptcy proceedings and cannot file a proof of claim for you.

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