Michigan homeowners
How to get out of a solar contract in Michigan
What Michigan law and regulators offer homeowners with a regretted solar lease, PPA or loan, and where to complain. SGI can help review your contract and options.
Not a law firm. We'll tell you when you need one. Results vary.
As of November 10, 2026. General information, not legal advice. SGI is not a law firm and does not guarantee any result. For advice about your contract, talk to a licensed Michigan attorney.
Searches for a Michigan solar lease, or for a solar panel scam in Michigan, often involve door-to-door sales, Climax Solar, or Pink Energy. The sections below cover the cancellation right, the pending Climax lawsuit (allegations only), and where to complain.
The short answer
- Signed at home? Michigan's Home Solicitation Sales Act may let you cancel until midnight of the third business day after you signed [1][2].
- Climax Solar customers: on July 15, 2026, the Michigan AG sued Climax Solar, its owner and several finance companies. The suit seeks, among other things, cancellation or revision of certain loans and release of liens or UCC filings. These are allegations, and the case is pending [4][5].
- Pink Energy customers: Michigan joined a 2022 multistate request that lenders pause payments [6]. A federal class action in Michigan has a proposed settlement [7].
- Complaints go to the AG's Consumer Protection division at 877-765-8388 or through its online form [8].
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Michigan consumer protection and disclosure laws
Home Solicitation Sales Act (MCL 445.111 et seq.)
- What's covered: a sale of goods or services over $25 where the solicitation is received at your home and you agree to buy there. Listed exceptions apply [1].
- Right to cancel: you can cancel "until midnight of the third business day" after you sign. You cancel by mailing or delivering the notice of cancellation, or any other written notice, to the address on the notice [2].
- Payment timing: the seller can't have a third party pick up your payment at your home until the cancellation period has expired [2].
- What the contract must include: a statement near your signature that you may cancel before midnight of the third business day, plus a notice of cancellation form in duplicate [3].
We didn't find a Michigan statute written specifically for residential solar sales disclosures, so we don't cite one.
Michigan Consumer Protection Act
The AG's Climax lawsuit relies on the Michigan Consumer Protection Act and the Home Solicitation Sales Act. It also relies on the federal Consumer Financial Protection Act [4].
Michigan AG actions
Michigan v. Climax Solar (July 15, 2026)
- The suit: AG Dana Nessel sued Climax Solar, owner Joshua Thompson, and the financial institutions that financed Climax systems. It was filed in the U.S. District Court for the Western District of Michigan, Case 1:26-cv-02084 [4][5].
- Scale: the AG says the alleged scheme affected about 1,700 Michigan consumers and roughly $81 million in financed transactions [4].
- Hidden fees: the suit alleges more than $22 million in hidden financing costs. It says dealer and platform fees averaged more than 27% of the amount financed [4].
- Who's named: the finance defendants include Enium Capital Group, Sunlight Financial, Cross River Bank, Concert Finance (TriBeam Capital), Regions Bank (as successor to EnerBank), Solar Mosaic, and Sunnova (through its creditor trust) [5].
- Climax's bankruptcy: Climax (Orbit Marketing, LLC) is named through its Chapter 7 trustee. Its case is No. 24-01123 (Bankr. W.D. Mich.) [5]. The AG says Climax "filed for bankruptcy and ceased operations in 2024" [4].
- What it seeks: restitution, cancellation or revision of certain loans, refunds or credits, credit-reporting corrections, and "release of liens or Uniform Commercial Code filings" [4].
These are allegations in a pending case, not findings, and not a claims process.
Pink Energy (2022)
In November 2022, Nessel joined a coalition led by Kentucky's AG asking five lenders to suspend loan payments for Pink Energy customers with non-working systems. Her office said Pink Energy was being investigated by the same coalition [6]. See Pink Energy and the Pink Energy hub.
How to search UCC filings in Michigan
- Statewide (Secretary of State): Michigan's Department of State runs UCC Online Services at ucc.michigan.gov. All UCC-11 search requests must be submitted there [9].
- A free Debtor Name Quick Search helps you find debtor names before ordering an official search [10].
- Official searches use the UCC-11 Information Request and require an account. The Department of State lists a $6 standard search fee [10][11].
- County (Register of Deeds): Michigan's Department of State says fixture filings "are recorded at a county Register of Deeds office" [10]. Search your county's records by your name and address.
For payoff and termination, see Selling a house with a solar lien.
Bankrupt or closed installers and lenders active in Michigan
- Climax Solar (Orbit Marketing, LLC): based in Portage, Michigan. Its bankruptcy was converted to Chapter 7, Case No. 24-01123 (Bankr. W.D. Mich.) [5].
- Pink Energy (Power Home Solar): filed Chapter 7 in 2022 in North Carolina [12].
- Hall v. Trivest Partners is a federal class action in the Eastern District of Michigan. It has a preliminarily approved $575,000 settlement with Pink Energy's former CEO. A final hearing is set for December 2, 2026 [7].
- Lenders in bankruptcy: two finance companies named in the Climax suit have been through Chapter 11:
- Mosaic: In re Mosaic Sustainable Finance Corp., No. 25-90156.
- Sunnova: No. 25-90160 [5].
See Solar Servicing (formerly Mosaic) and Sunnova, or the shorter Mosaic hub and Sunnova hub.
Where to file a complaint in Michigan
- Michigan AG, Consumer Protection: online complaint form, or toll-free 877-765-8388 [8].
- Loans and debt collection: the CFPB [13].
A complaint doesn't guarantee a refund or cancellation.
How Unstuck Solar can help
SGI can help review your contract and your options. Not a law firm. We'll tell you when you need one. Results vary.
FAQ
Can I cancel a solar contract I signed at home in Michigan? If the Home Solicitation Sales Act covers your sale, you can cancel until midnight of the third business day after you signed. Send written notice to the address on the cancellation form and keep a copy.
I bought from Climax Solar. Does the AG lawsuit cancel my loan? Not by itself. The lawsuit asks the court for relief that includes loan cancellation or revision and release of UCC filings. These are allegations in a pending case.
Which lenders are named in the Climax Solar lawsuit? Enium Capital Group, Sunlight Financial, Cross River Bank, Concert Finance, Regions Bank (as successor to EnerBank), Solar Mosaic and Sunnova.
How do I search for a solar UCC filing in Michigan? Use the Department of State's UCC Online Services at ucc.michigan.gov for statewide filings. Search the county Register of Deeds for fixture filings.
Where do I complain about a solar company in Michigan? File with the Michigan Attorney General's Consumer Protection division online or at 877-765-8388. Loan problems can also go to the CFPB.
Not legal advice. SGI is not a law firm, and no attorney-client relationship is created. Results are not guaranteed. Statuses are as of November 10, 2026. Consult a licensed Michigan attorney.
Sources
- MCL 445.111 (Home Solicitation Sales Act, definitions): https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-445-111
- MCL 445.112 (right to cancel): https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-445-112
- MCL 445.113 (required statement and notice of cancellation): https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-445-113
- Michigan Attorney General, "AG Nessel Files Lawsuit Against Solar Company, Financial Institutions for Alleged Deceptive Scheme" (July 15, 2026): https://www.michigan.gov/ag/news/press-releases/2026/07/15/ag-nessel-files-lawsuit-against-solar-company-financial-institutions-for-alleged-deceptive-scheme
- Complaint, Michigan v. Orbit Marketing, LLC d/b/a Climax Solar, et al., Case 1:26-cv-02084 (W.D. Mich., filed July 15, 2026): https://www.michigan.gov/ag/-/media/Project/Websites/AG/releases/2026/July/Climax-Solar-Complaint.pdf
- Michigan Attorney General, Pink Energy lender letter release (Nov. 29, 2022): https://www.michigan.gov/ag/news/press-releases/2022/11/29/ag-nessel-joins-8-other-states-in-urging-five-solar-lending-companies-to-suspend-loan-payments
- Hall v. Trivest Partners, L.P., No. 4:22-cv-12743 (E.D. Mich.), Order Granting Preliminary Approval (July 28, 2026): https://milawyersweekly.com/files/2026/08/02-110982.pdf
- Michigan Attorney General, Consumer Protection: https://www.michigan.gov/ag/consumer-protection
- Michigan Department of State, Uniform Commercial Code: https://www.michigan.gov/sos/industry-services/ucc
- Michigan Department of State, UCC FAQs: https://www.michigan.gov/sos/faqs/industry-services/uniform-commercial-code
- Michigan Department of State, UCC-11 Information Request form (PDF): https://www.michigan.gov/-/media/Project/Websites/sos/01lawensn/newucc11.pdf
- Chapter 7 Trustee, "In re Power HomeSolar, LLC d/b/a Pink Energy": https://www.hickorylaw.com/page/pinkenergy
- CFPB, Submit a complaint: https://www.consumerfinance.gov/complaint/
Information checked November 10, 2026. Not legal advice. Laws and agency pages change; confirm with the official source.
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