Your Freedom Forever System Was Financed by EverBright: 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 EverBright, 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 EverBright can still bill you when Freedom Forever is gone

Freedom Forever LLC installed your system. EverBright 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 EverBright is a separate obligation. EverBright 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. On a lease or PPA, EverBright owns the equipment on your roof, which gives it remedies an ordinary lender would not have. On an EverOwn retail installment contract, missed payments are reported like any other consumer loan.

There is one piece of genuinely useful news buried in the court reporting. EverBright 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

EverBright's products are mostly third-party ownership, and that is unusually good news in this situation. Its FAQ describes leases and PPAs with "zero upfront costs" and PPA terms "up to 25 years," along with a Flex PPA and a California-specific Shift PPA (EverBright FAQ). Separately it offers an ownership product: "If you have a retail installment contract or RIC, otherwise known as EverOwn" (EverBright transfer guide).

Under a PPA there is a specific argument worth raising if your system never operated. A PPA charges you for the electricity the system generates. If the system was never energized and never received permission to operate, it generated nothing. Ask EverBright, in writing, what you are being billed for and on what basis, and ask for the meter data or production records supporting the charges. That is a legitimate contractual question, not a stunt, and it is far more productive than simply stopping payment.

One planning note from EverBright's own materials: it states that "At this time, EverBright does not finance battery add-on projects" (transfer guide). If Freedom Forever sold you a battery as part of the deal and it was never installed, that promise may not have been EverBright's to keep, which makes it a candidate for your Freedom Forever proof of claim instead.

What EverBright has publicly said about Freedom Forever

Nothing. As of September 11, 2026, a review of EverBright's contact page, FAQ, About Us page, transfer guide, and home-transfers page 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 "EverBright'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 EverBright at 877-425-5201, the customer support 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 EverBright 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 EverBright 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. EverBright publishes support@myeverbright.com for customer support and everbright@youronlineaccount.com for billing services, so you can create a paper trail by email.
3. Ask what happens to payments in the meantime. EverBright has published no payment-relief policy for stranded Freedom Forever installs. On a PPA in particular, ask the pointed question: if the agreement charges you for power the system produces, and the system produces nothing because it was never energized, what exactly are you being billed for? 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 the MyEverBright portal at myeverbright.com, and on the equipment labels themselves. Without them, a manufacturer warranty claim stalls before it starts.

Liens, UCC filings, and getting out or paying off

EverBright's website does not address UCC-1 financing statements, county fixture filings, liens, or lien releases on any of its published pages. Third-party-owned solar commonly involves fixture filings recorded against the property, so the absence of published information is not the same as the absence of a filing. Check for yourself: pull your county recorder's index for your own address and look for anything naming EverBright or Freedom Forever. Most counties offer a free online search.

What EverBright does publish is a clear payoff and transfer process:

• Paying off. "PAY OFF: Paying off a RIC fulfills your obligations to EverBright and reduces the total interest." EverBright notes this "can be done for a RIC, PPA, or Lease," and that "Depending on your product, there may be an administration fee." So a buyout exists even on the third-party-owned products, and it is worth requesting the actual number rather than guessing.
• Selling your home. Contact EverBright "at least 30 days and no more than 90 days prior to closing." That window is narrow at both ends. Too early and they will not process it; too late and you delay your own closing.
• Billing questions. EverBright directs billing services matters to everbright@youronlineaccount.com.

Quotations above are from EverBright's home transfers and transfer guide pages. Confirm current fees and windows directly, since published policies change.

If you are considering a buyout because the system never worked, get the payoff quote and the production records at the same time. Paying to exit a system that was never energized is a different decision from paying to exit one that underperformed, and you want both numbers in front of you before deciding.

Whether the lease or PPA itself can be challenged

A lease or power purchase agreement is legally different from a loan, and the difference cuts both ways.

The good news is that EverBright owns the equipment under these structures, so the obligation to keep the system working and maintained sits with the company rather than with you or with a liquidated installer. The harder news is that the FTC's Holder in Due Course Rule, 16 CFR Part 433, which lets a consumer assert claims against the holder of dealer-arranged credit paper, maps awkwardly onto a lease or a PPA. A third-party-ownership agreement is generally not a consumer credit contract in that sense, so the most commonly cited route to challenging installer misconduct through the finance company is a less direct fit here. Where homeowners do get traction, it is usually through state unfair and deceptive trade practices statutes, home improvement or home solicitation sales statutes, contract defenses such as failure of consideration when the system never operated, and state-specific solar disclosure laws. No attorney general lawsuit, CFPB enforcement action, or class action against EverBright, LLC was located in official sources as of September 11, 2026, and it is not named in the Texas Attorney General's solar initiative or the Minnesota solar-lending suit. One caution on searching this yourself: securities-fraud investigation notices circulating in 2026 concern an unrelated Nasdaq-listed company with a similar name, not EverBright, LLC, the solar finance company (Business Wire notice regarding Everbright Digital Holding Limited). Conflating the two would be an easy and embarrassing mistake.

Long-term agreements in this category also carry terms worth reading before you make any decision: escalator clauses that raise your rate annually, transfer requirements and credit qualification when you sell the home, early-termination or buyout formulas, and production guarantees whose remedy is often a credit rather than an exit. These are the provisions that determine your real options, and almost nobody reads them until there is a problem.

The CFPB's CFPB Issue Spotlight on solar financing is useful background on how these deals were sold, even where its focus is lending. If your agreement contains an arbitration clause, our account of a solar lender losing in arbitration shows what that process actually looks like, and how to get out of a solar contract covers the general landscape.

What we will not tell you is that a lease or PPA is easy to exit. It usually is not. An honest assessment of a weak file is more valuable than an encouraging one.

Your October 16 claim against Freedom Forever is a separate track

Whatever happens with EverBright, 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 EverBright. 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 EverBright. 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 EverBright lease, power purchase agreement, or EverOwn retail installment contract with EverBright, 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 MyEverBright at myeverbright.com or the mobile app
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 EverBright financing, that means pulling together the EverBright 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 EverBright, 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 EverBright directly at 877-425-5201, the customer support 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 EverBright 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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