If you default on your Atmos solar loan, Atmos or its banking partners can repossess the solar panels and other equipment installed as part of your solar system. Without producing your own power, your local utility provider would begin billing for your complete energy consumption, potentially increasing your monthly energy bills. Atmos or its banking partner does report such instances to credit bureaus and your credit score would likely be negatively impacted, limiting your ability to qualify for additional debt in the near-term.