Installer records and your solar paperwork
Lumio: bankruptcy and financing questions
Lumio Holdings, Lumio HX, an asset buyer and a current account servicer may appear in different records. Compare the entity and role stated in your signed contract, bankruptcy notice and later service or transfer notices. Bennett Legal is not affiliated with Lumio.
An installer bankruptcy does not automatically cancel your financing. Your agreement and supporting records matter.
Check accepted financing and agreement types
Match the roles to the records
Which document answers which question?
An installer, a bankruptcy debtor, a creditor and a payment servicer can have different roles. Start with the names printed on your own documents.
| Record | What it can show | What it does not decide |
|---|---|---|
| Installation agreement | What it can showWhether Lumio Holdings, Inc., Lumio HX, Inc. or another named business appears as the contracting party. | What it does not decideA Lumio brand reference does not make two separately named companies the same debtor. |
| Bankruptcy case list | What it can showSeparate Chapter 11 case numbers: 24-11916 for Lumio Holdings, Inc. and 24-11917 for Lumio HX, Inc. | What it does not decideA case listing does not decide an individual homeowner's contract or payment obligations. |
| Financing, transfer and service notices | What it can showThe creditor and servicer on the account, and any specific contract or service transfer described in a notice. | What it does not decideThe reported purchase of certain assets does not establish what happened to a particular contract or service request. |
Dated public records
What the court record says
- Chapter and petition date
- Chapter 11 petitions · September 3, 2024
- Court and case
- U.S. Bankruptcy Court, District of Delaware24-11916 (JKS) lead; Lumio HX, Inc. 24-11917 (JKS)
- Named legal entity
- Lumio Holdings, Inc.
- Named legal entity
- Lumio HX, Inc.
The Delaware bankruptcy court's case list identifies Lumio Holdings, Inc. and Lumio HX, Inc. under separate Chapter 11 case numbers, 24-11916 and 24-11917; both list September 3, 2024 as the filing date. A later asset purchase does not by itself establish responsibility for every earlier customer agreement.
The Delaware bankruptcy court's case list identifies Lumio Holdings, Inc. as case 24-11916 and Lumio HX, Inc. as case 24-11917, with both Chapter 11 filing dates listed as September 3, 2024.
U.S. Bankruptcy Court, District of Delaware: Chapter 11 case list
Open U.S. Bankruptcy Court, District of Delaware: Chapter 11 case list (opens in a new tab)Zeo Energy's SEC-filed 2025 annual report says it acquired certain assets from Lumio Holdings and Lumio HX on October 25, 2024, primarily uninstalled residential solar contracts and related property. The filing describes an asset purchase; it does not identify what happened to any particular homeowner's contract or service request.
Zeo Energy 2025 Form 10-K filed with the SEC
Open Zeo Energy 2025 Form 10-K filed with the SEC (opens in a new tab)
Source links checked October 21, 2026. Check current court notices for later developments or deadlines.
Historical financing references
Compare the lender name with your own paperwork.
These links lead to general information about financing brands referenced in historical public records. They do not establish what appears in your agreement, who services your account today or that every project from this installer used the same lender.
Other useful records
Keep the agreement and current notices together.
- What happens to a contract and warranty after a solar company bankruptcy?
- How to find a UCC-1 filing
- Questions about a solar contract
Save your signed agreement, current statement, transfer or service notices, installation records and warranty terms for an individual review.
Questions homeowners ask
Lumio records and financing questions
Does Lumio's bankruptcy cancel my solar loan?
The bankruptcy filing does not automatically cancel a separate financing agreement. Review the complete loan or retail installment contract, the sales documents, the installation history and any later account notices. An individual evaluation is needed to identify any supported claim or defense.
Who is responsible after Lumio's assets were sold?
An asset sale can change who performs particular projects or services without transferring every earlier obligation. Match the installer, creditor, current servicer, equipment manufacturer and any successor to the actual documents and written notices for your system.
What if Lumio installed the panels but the system never worked?
Keep dated photos, utility and permit correspondence, monitoring data, repair estimates and communications about activation. Bring those records alongside your financing agreement and statements so the technical problem and the financing issue can be reviewed together.
Should I send documents before I know the current loan holder?
You can request an evaluation with the information you have. Send the original agreement and the most recent statement, including any transfer notice. The financing brand on the sales paperwork and the company servicing the account may differ.
What solar financing can Bennett Legal review?
Bennett Legal reviews GoodLeap and Sunlight Financial financing, EverBright loans and retail installment contracts (RICs), including EverOwn, but not EverBright leases or PPAs, and BrightOak financing with any installer. A BrightOak PPA requires its contract and documented proof of a filed UCC-1. An installer does not have to appear in this directory.
You can start with the paperwork you have.
Tell us the installer's name, the financing company on your agreement and what happened. We will explain what additional documents are needed for an individual review.
Free case evaluation.This information is general and does not create an attorney-client relationship. An evaluation does not guarantee representation or a particular result.