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

Freedom Forever LLC installed your system. GoodLeap 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 GoodLeap is a separate obligation. GoodLeap 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. If you hold a GoodLeap loan, missed payments are reported to the credit bureaus. If you hold a GoodLeap lease or PPA, GoodLeap owns the equipment on your roof, which gives it remedies a mere lender would not have.

There is one piece of genuinely useful news buried in the court reporting. GoodLeap 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: find this out first

GoodLeap sells three different things, and homeowners routinely do not know which one they have. Before you make a single call, look at your agreement and determine whether it is a loan, a lease, or a power purchase agreement. GoodLeap organizes its own customer support around exactly that split (GoodLeap, Contact Us).

Product details above come from GoodLeap's own homeowners page (GoodLeap, Homeowners). Its lease and PPA products also carry an "option to purchase the system after five years," which is a term worth locating in your own paperwork rather than taking on faith.

The other structural fact worth understanding: this credit was arranged by Freedom Forever at your kitchen table, not obtained by you from a bank. GoodLeap is a fintech lender whose loans originate through a dealer network. That origination path is the reason the consumer-protection analysis further down this page exists at all.

What GoodLeap has publicly said about Freedom Forever

Nothing. As of September 11, 2026, a review of GoodLeap's contact page, homeowners page, FAQ, GoodLeap Home app page, and consumer complaints 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. The only Freedom Forever mention found anywhere on goodleap.com is a 2021 press release listing it alongside other companies as a founding partner in an unrelated industry initiative (GoodLeap press release), which has nothing to do with the bankruptcy.

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 "GoodLeap'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 GoodLeap at 1-800-345-9372, the Account 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 GoodLeap 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 GoodLeap 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. GoodLeap operates a formal consumer complaint intake at goodleap.com/complaints, which creates a written record in a way a phone call does not. Use it.
3. Ask what happens to payments in the meantime. GoodLeap has published no payment-relief policy for stranded Freedom Forever installs. Ask specifically whether payments are deferred, credited, or simply continue while the system is non-operational, and get the answer in writing. 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 GoodLeap Home app, and on the equipment labels themselves. Without them, a manufacturer warranty claim stalls before it starts.

Liens, UCC filings, and paying the balance off

GoodLeap is unusually explicit about this, which is helpful. Its own FAQ states: "We secure your Solar Loan through a lien on the solar equipment itself by filing a UCC-1, or Uniform Commercial Code Financing Statement, and county fixture filing... You will, however, find a UCC-1 fixture filing in the state and county records for your property... The filings are not a lien against your home" (GoodLeap FAQ).

Read that carefully, because both halves are true and homeowners tend to hear only one of them. There is a real filing recorded in your county's records against your property, and it will show up in a title search. It attaches to the solar equipment rather than to the house itself.

What GoodLeap publishes about handling it:

• Refinancing. "In some situations to help you, we may agree to lift our county UCC-1 filing on the Solar Equipment for a limited period provided we will be able to refile upon closing of the mortgage refinancing." This is a request you have to make, and it takes time. Start well before your refinance closes.
• Filing questions. GoodLeap directs UCC and fixture filing questions to filings@goodleapsupport.com.
• Payoff quotes. "To request a payoff statement, open the GoodLeap Home app... Tap 'Payoff Quote'."
• Prepayment. "GoodLeap never assesses any fee or penalty for prepayments." If you have the means to pay it off, nothing in the contract penalizes you for doing so.
• Selling the home. GoodLeap notes that "Most homeowners choose to pay off the remaining balance... through the proceeds of the sale," and that an assumption by the buyer "will be subject to GoodLeap's approval." Do not assume a buyer can simply take over the payments.

All quotations in this section are from the GoodLeap FAQ. Verify current terms against your own agreement, since published policies change.

One independent step regardless: pull your county recorder's index for your own address and see what is actually recorded. Homeowners are frequently surprised, and it is better to be surprised now than during escrow.

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 GoodLeap 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.

There is also a specific piece of public context for GoodLeap. On March 8, 2024, the Minnesota Attorney General announced a lawsuit against GoodLeap, Sunlight Financial, Solar Mosaic, and Dividend Solar Finance, alleging the companies deceived consumers "into taking out loans based on the companies' false promises of low interest and disguised hidden fees on more than 5,000 solar-panel purchases in Minnesota," and estimating "$35 million in hidden fees from Minnesota consumers since 2017," with fees that increased borrower costs "between 15% and 30%" and in some cases far more (Minnesota Attorney General). The case was removed to federal court and then sent back: a federal order filed January 16, 2025 granted the State's renewed motion to remand the case to Hennepin County District Court (U.S. District Court, District of Minnesota, via GovInfo).

Three things that lawsuit is not. It is an allegation, and no finding of liability against GoodLeap was located in official sources as of September 11, 2026. It is a Minnesota action brought by that state's Attorney General, so it does not create rights for homeowners elsewhere. And it is not a class action you can join or a settlement fund you can claim from. What it does provide is a public, government-sourced description of the dealer-fee practice that homeowners in many states have complained about, which is useful context when an attorney reviews the gap between your system's cash price and its financed amount. Our separate coverage of the Minnesota Attorney General's solar-lending lawsuit goes into more detail.

For scale on the complaint side: GoodLeap's BBB profile records 1,288 total complaints over three years alongside an A+ rating (BBB), and in the CFPB's public complaint database, complaints are recorded under the parent company record Paramount GR Holdings, LLC, which shows 2,183 complaints, of which 726 are returned by a full-text search for "GoodLeap" (CFPB Consumer Complaint Database). Complaint counts measure volume and visibility, not wrongdoing, and a large lender will always generate more of them than a small one.

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 GoodLeap, 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 GoodLeap. 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 GoodLeap. 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 GoodLeap loan, lease, or power purchase agreement with GoodLeap, 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 the GoodLeap Home app or home.goodleap.com
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 GoodLeap financing, that means pulling together the GoodLeap 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 GoodLeap, 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 GoodLeap directly at 1-800-345-9372, the Account 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 GoodLeap 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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