Contractor Gone · Remodel USA

Remodel USA customers: what the filing means and what to do

Remodel USA, a Capitol Heights, Maryland company that installed windows, remodeled baths and kitchens and finished basements, ceased operations on October 29, 2025, along with the other brands of its parent, Renovo Home Partners. Remodel USA, LLC is a debtor in the parent's Chapter 7 case, filed November 3, 2025, in the U.S. Bankruptcy Court for the District of Delaware and jointly administered under Renovo Home Partners, LLC, case 25-11937 (TMH).

Where things stand

Chapter 7 is a liquidation: Remodel USA is closed and will not finish jobs, and the trustee, Ricardo Palacio, collects whatever the companies own. The parent's filing lists liabilities of $100 million to $500 million, so a bankruptcy distribution is likely to be small. Maryland homeowners have a better route than the bankruptcy: the state's Home Improvement Guaranty Fund pays for work a licensed contractor abandoned or left incomplete, and the claim is filed with the Maryland Home Improvement Commission rather than in court. The steps are below.

Maryland customers: the Home Improvement Guaranty Fund

Maryland requires home improvement contractors to be licensed by the Maryland Home Improvement Commission (MHIC), and its Guaranty Fund repays homeowners for an actual loss from abandoned, incomplete or unworkmanlike work by a licensed contractor. It pays from state money, not the bankrupt company's assets.

1. Confirm Remodel USA held an MHIC license when you signed: the fund does not reimburse money paid to unlicensed contractors.
2. File a complaint with the MHIC first, with your contract, proof of payment, and evidence of what was and was not done. If the complaint is not resolved, the Commission sends a separate Guaranty Fund claim form. The fund pays your actual loss, up to $30,000 or the amount you paid the contractor, whichever is less.
3. File within three years of when you discovered the loss. For a job abandoned in late October 2025, that runs to about late October 2028, but filing now is better: the fund pays at most $250,000 to all claimants against one contractor, and prorates when claims exceed that.
4. Ask the MHIC whether the bankruptcy affects the timing of your claim, and ask the trustee's counsel whether the court's declaration procedure for state funds has been extended to Maryland: gtaylor@ashbygeddes.com.

The fund covers the cost of completing or repairing the work, not attorney's fees, court costs or other consequential damage. Customers outside Maryland: your state's page on this site lists the fund or bond that applies there.

What a customer can do, in order

1. Card payments first. If any payment went on a credit or debit card, call the issuer and open a dispute for services not rendered. The bankruptcy does not stop a chargeback; the card network's clock does.
2. File the proof of claim. If a case is open, the court will mail a notice with a bar date. Official Form 410 is free, no lawyer needed. A deposit for household services is a priority claim up to $3,800 for cases filed on or after April 1, 2025; mark the priority box and attach the contract and receipts.
3. The state path. Maryland has the Home Improvement Guaranty Fund ($30,000 per claimant, or the amount paid to the contractor if less; $250,000 total per contractor). Precondition: Licensed home improvement contractor; MHIC claim and hearing, or a court judgment. The Maryland page has the license lookup, the deposit rule, and the small-claims cap.
4. Subcontractor notices. On an owner-occupied residence, a sub's lien is limited to what you still owed the contractor when the sub gave notice (Real Prop. 9-104(f)).
5. Financing. If the contractor arranged a loan, write to the lender. A lender on a contractor-arranged consumer loan generally takes the loan subject to the claims you have against the contractor (the FTC Holder Rule); ask for a stop on payments while the claim is resolved.

Run the free check as a Remodel USA customer

Sources

• Maryland Home Improvement Commission: Guaranty Fund questions and answers
• Maryland Home Improvement Commission: file a complaint
• Qualified Remodeler: PE firm buys Dreamstyle, Alure and Remodel USA to form Renovo
• Bankruptcy court order, case 25-11937 (TMH), listing every Renovo debtor
• Qualified Remodeler: Renovo Home Partners collapse heads to liquidation
• PACER case locator

Facts checked 2026-09-12 against the sources above. Case details change; the PACER docket is the record. Nothing here is legal advice. If you are a customer and something on this page is wrong or out of date, email jon@homestillworks.com.