Trajector Medical Bankruptcy: How to File a Claim and Recover Your VA Benefits Assistance Fees

According to the VFW, upwards of 180,000 Veterans who may have filed their disability claims have declared bankruptcy, and they may be owed money. Trajector Medical and its 21 affiliates declared Chapter 11 bankruptcy on July 23, 2026. Veterans can file claims to recover money owed by Trajector but must do so by October 31, 2026.

What Happened

According to their website, Trajector “helps the underserved and at-risk disabled population in their quest to receive all the disability benefits they medically, legally, and ethically qualify for from both government and private entities.” Their bankruptcy is the result of several factors that led to a sharp drop in revenue, a loan not being extended, and both local and state restrictions that severely restricted how they could operate.

In Trajector Medical’s bankruptcy filing, it told the court it had suspended services in 23 states since 2024 because of local laws that "prevent, severely limit, or impose undue risks on continued operations." Trajector’s 2026 revenue fell approximately 60 percent in the first half of the year alone, which Trajector said was primarily as a result of those laws. The laws are not the whole story, however.

The Chapter 11 filing came on the heels of an approximately $63 million Deutsche Bank loan that lenders were declining to extend and was about to mature. Compounding that, a refinancing dispute in the Delaware Chancery Court, where Trajector’s parent is incorporated, and a management dispute between the founders in that same case.

The Case Against Trajector

According to an NPR investigation, Trajector Medical has been in the crosshairs of the Department of Veterans Affairs for its activities around Veterans’ disability submissions. Trajector denies preparing, submitting, or consulting on claims, but NPR spoke to at least 60 veterans and 11 former employees, some of whom disputed Trajector’s assertion.

In one case NPR found, Lt. Cmdr. Erik Jensen, a retired Navy officer, reported that his claim paperwork was filled out and that he needed only to press the submit button to have it faxed to the VA. He reported that he had intended to correct inaccurate information and accidentally pressed “submit.” Trajector maintains a family of legal entities it argues complies with the law, including the Benefit Karma portal that LCDR Jensen described, which Trajector calls "a separate and secure external software platform."

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The NPR investigation unveiled how the company uses a computerized robo-dialer to ascertain the amount of a Veteran’s benefit, and when it detects that benefit has gone up, automatically sends the Veteran a bill. One of the Veterans interviewed for the story got a bill for $4,500, and NPR reported that some bills are as high as $20,000.

However, the web of legal entities and the consistent assertions of propriety from Trajector have received repeated warnings from the VA General Counsel (OGC). The first warning came in June 2017 when the VA warned Trajector Medical (then called “Vet Comp and Pen Medical Consulting LLC”) that they

“...may be engaged in illegal activities, which include unauthorized preparation, presentation, and prosecution of claims for VA benefits, as well as charging claimants for your services.”

In the letter, the VA letter quoted the company’s website, instructions they gave clients including printed material, and their fee schedule. The VA OGC then directs the company to “immediately cease” the preparation and assistance of Veterans’ claims and reminds them they are not an authorized VSO.

The second letter came five years later in January 2022. Again, the letter informs Trajector that they

“may be engaged in activities which may violate various Federal statutes and applicable regulations...and the charging of fees to VA claimants that are clearly unreasonable or otherwise prohibited by laws or regulations.”

After again laying out evidence and explaining the statutes, the OGC letter directs Trajector to cease all preparation and assistance for claims, and to reply within 30 days with measures taken to address the concerns in the letter. The letter concludes they will refer the matter to law enforcement if Trajector fails to take “appropriate measures” to comply.

What Veterans Can Do

If a Veteran was a client of Trajector, they can file as a “creditor” in the bankruptcy case to recoup some of the fees the company charged them. Veterans who believe they were inappropriately charged fees may file a claim to get money back from Trajector.

Since there is no fraud exception in the bankruptcy law, Veterans are what is termed “unsecured creditors.” This means that the Veteran essentially “lent” the money Trajector collected as fees without collateral. Payments to unsecured creditors are generally only paid after a judgment in a legal proceeding.

The Chapter 11 bankruptcy filing in Florida is the legal proceeding for Veterans to recoup the fees they paid.

The case name and number: In re: Trajector Holdings, LLC, No. 3:26-bk-03286-JAB, M.D. Fla. Veterans can call the Verita phone number, 888-249-2695, to get information and assistance.

Veterans who believe they are owed money by Trajector can file using this process:

1. Complete a proof of claim form. You can submit an electronic proof of claim on the website of the claim administrator, Verita Global, at https://www.veritaglobal.net/trajector, then click the link “Submit Electronic Proof of Claim (ePOC).”
2. There is also information on the website about how to submit a paper claim form. Remember to include in your claim submission the amount you believe you are owed, along with supporting documents, such as receipts, contracts, payment records, and correspondence. Mailed claims must be received by Oct. 31.
3. Keep copies of all receipts, invoices, and documents related to the services you paid for. Do not assume either the VA or Trajector has your file.
4. Submit the claim by the October 31, 2026 deadline. (On the VFW website, it states that the deadline has been extended, but VeteranLife could not confirm that. Veterans should file their claim without delay.)