Trajector Medical Review: The Five-Times Fee, the Contract in the Congressional Record, and the Chapter 11 Filing

Updated September 26, 2026: The New York and Illinois attorneys general say they intend to take legal action against Trajector Medical, according to NPR, and the deadline to file a claim in Trajector's bankruptcy is October 1, 2026. See the status section below.

Trajector Medical is the biggest medical-evidence company in the VA claims industry, and reviewing it in August 2026 means leading with the news: on July 23, 2026, the company filed for Chapter 11 bankruptcy protection. Not just its parent. Trajector Medical, LLC, the entity veterans sign contracts with, is itself one of the 22 companies that filed alongside parent Trajector Holdings, LLC in the Middle District of Florida. By the company's own first-day filings, it had already suspended services to veterans in 23 states before the filing. The company says operations continue. If you are considering signing with them, that context outranks everything else on this page.

Everything below comes from Trajector's own public pages and client agreement, federal court records, congressional records, and named news investigations, pulled August 1 and 2, 2026. This industry is moving fast; check the current state of any company before signing anything.

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TL;DR

• Trajector Medical sells medical evidence development: licensed nurses and nurse practitioners review your records, map symptoms to conditions, and produce an evidence packet you submit to the VA yourself. Its own client agreement says in bold capitals that it will "NEVER indicate or suggest that we are your VA Representative."
• The fee is five times your monthly increase, contingent on winning. The flagship site publishes no prices; the multiplier appears on a sister-domain FAQ most prospects will never see. The complete fee terms are public anyway, because Trajector's own general counsel attached the full client agreement to his April 2022 House testimony.
• That agreement adds a 1 percent monthly service charge on unpaid balances after 90 days, collection costs including attorney fees, supplemental fees for appeals, CUE awards, and convalescence claims, and a promise to pay "even if this agreement has been canceled" before your increase arrives.
• An NPR investigation (December 2025) reported the company used an auto-dialer to query the VA hotline with clients' Social Security numbers to detect rating increases and generate invoices automatically. The agreement's signature page collects your Social Security number and date of birth.
• Two proposed federal class actions (Quijada and Baker) were filed in 2026, and NPR reports the Chapter 11 filing put the lawsuits on hold. In September 2026, the New York and Illinois attorneys general said they intend to take legal action; Trajector denies the allegations. The VA's Office of General Counsel sent cease-and-desist letters in 2017 and 2022; Trajector responded in writing that it was not breaking the law.
• Chapter 11 filed July 23, 2026, after the company could not refinance roughly $62.9 million in secured debt. Its first-day filings describe a revenue decline of about 60 percent year over year amid a wave of new state laws regulating the industry.

Status of lawsuits and investigations (updated September 26, 2026)

This section keeps four things apart: what people allege, what government offices are investigating, where the court cases stand, and what has actually been decided. Allegations in a complaint or a government letter are not findings.

State investigations

• The attorneys general of New York and Illinois say they have ongoing investigations and "intend to commence legal action" against Trajector Medical "for fraudulent, illegal and deceptive business practices," according to NPR. In NPR's report, that legal action is described as intended, not yet filed.
• The states disclosed the investigations in a September 8 letter to the U.S. Bankruptcy Court for the Middle District of Florida. NPR quotes the letter: "It is expected that the investigations will reveal that money being held by [the company in the bankruptcy process] was collected through illegality and fraud."
• According to NPR, the attorneys general wrote that the fees Trajector charged veterans "are illegal under state and federal law," and that they expect to show the money Trajector holds for creditors should not be considered property of the bankruptcy estate.
• NPR reports that the attorneys general are also investigating whether Trajector misuses personal information it gathers from veterans through its use of "callbots." The CallBot system was first described in NPR's December 2025 investigation.
• Trajector denies the allegations. A company spokesperson, Steve Zenofsky, told NPR: "We stand behind how we operate, and we're focused on the veterans we serve." At a bankruptcy hearing the day after the states sent their letter, Trajector lawyer Edward Peterson said, "The letter speaks for itself. We deny the allegations in the letter," according to NPR.

The Chapter 11 case

• Trajector Holdings, LLC and 21 affiliated entities filed for Chapter 11 protection on July 23, 2026, in the U.S. Bankruptcy Court for the Middle District of Florida, Military.com reported.
• The lead case is Trajector Holdings, LLC, No. 3:26-bk-03286-JAB, before Judge Jacob A. Brown in the Jacksonville Division, according to the debtors' case information page and court filings posted there.
• Trajector Medical, LLC is one of the debtors and has its own case number, 3:26-bk-03291.
• The company filed five days before it was poised to default on a loan balance of almost $63 million owed to Deutsche Bank, NPR reports, citing court filings.
• The company said Trajector Medical's revenue in the first half of 2026 fell about 60 percent from the year before, "primarily as a result of these legal and regulatory changes," according to NPR.
• Case documents and notices are posted at veritaglobal.net/trajector.

The class actions

• Two proposed class actions against Trajector entities are pending, and both are now in the Northern District of Florida: Baker et al. v. Trajector Medical LLC, No. 1:26-cv-00099, first filed in Florida state court in March 2026, and Quijada et al. v. Trajector, Inc. et al., No. 1:26-cv-00150, filed in the Central District of California in April 2026 and transferred in June, according to a filing by the class plaintiffs in the bankruptcy case.
• Military.com reported in April 2026 that the California complaint alleges Trajector, Inc. and Trajector Medical, LLC assisted with the preparation of VA disability claims without VA accreditation, in violation of federal law, and charged fees ranging from $4,500 to more than $20,000.
• NPR reports that two lawsuits filed earlier this year allege the company engaged in deceptive and unfair trade practices by charging veterans for the preparation of initial VA disability claims.
• Court posture: NPR reports that the Chapter 11 filing effectively put those lawsuits on hold. Military.com reported that the filing triggered an automatic stay that halts the class action in the Northern District of Florida unless the bankruptcy judge permits it to proceed.
• The pause does not reach the state investigations. NPR reports that while the bankruptcy puts the lawsuits on hold, it does not stop law enforcement from bringing charges.

The claims deadline dispute (added September 26, 2026)

As of September 26, 2026, the general deadline to file a claim against the Trajector companies in bankruptcy is October 1, 2026, according to the claims agent's case page. Two groups have asked the court to change that. On September 16, the Quijada plaintiffs filed class proofs of claim for the veterans in their proposed classes and asked the court to pause the deadline while it decides whether a class claim can stand in for individual ones. On September 22, the official committee of unsecured creditors asked the court to move the deadline to December 31, 2026. The committee says notice went to about 180,000 potential claimants and only 171 claims had been filed. It argues that Trajector's cover letter to veterans, which said "any unpaid amount remains due and payable," was confusing. Trajector's lawyers told the court they will oppose these requests. A hearing is set for September 29. These are requests and allegations, not rulings. In my read, until the court rules, October 1 is the date in force. If you believe a Trajector company owes you money, the claims agent's case page has the claim form and an online option for filing a proof of claim.

Earlier warnings

• The War Horse, in reporting published with NPR, found that VA sent more than 40 warning letters to claims consulting companies over 10 years, and reported that Trajector received two, in 2017 and 2022. The company's written responses are described in the section on what Trajector Medical is, above.

Final outcomes

• None yet. The state legal action is described as intended (NPR), the class actions are on hold (NPR), and the Chapter 11 case is open (case information). Requests to extend the October 1 claims deadline are pending, with a hearing set for September 29, 2026 (hearing agenda). As of September 26, 2026, I found no public report of a court judgment, a settlement, or a finding of wrongdoing. The docket controls over this summary.

What this means if you are a Trajector customer

Under federal rules, help from an accredited representative with an initial VA disability claim is free. Accredited attorneys and claims agents may charge for representation only after VA has issued notice of an initial decision, under 38 CFR 14.636, and VA says the services of an accredited Veterans Service Organization representative "are always free". Whether that rule reaches Trajector's medical-evidence services is the question the lawsuits and the state investigations dispute; the company's position is described earlier in this review. You can check whether a person or organization is currently accredited with VA's accreditation search; VA says a search that returns no result means the person or organization is not currently authorized to provide representation. Bankruptcy notices and filings that may affect your account are posted at veritaglobal.net/trajector. This page is not legal advice. If you have a disputed invoice, a pending claim against a debtor, or a question about a bankruptcy deadline, those are questions for a lawyer.

What Trajector Medical actually is

Trajector Medical (Florida; founded in 2014 as Vet Comp & Pen Medical Consulting per NPR, though its own pages say its clinicians have helped veterans "since 2012") is the medical-evidence arm of Trajector, which also runs a Social Security disability advocacy business. Its pitch: licensed medical professionals conduct one-on-one sessions, review your records, identify overlooked or underrated conditions, and deliver a personalized medical evidence packet you submit to the VA yourself.

Its own pages and contract are explicit about what it does not do: no filing of benefit claims, no completing government application forms, no representation before any agency. Its accreditation position is different from the coaching companies: Trajector argues VA accreditation rules do not apply because medical evidence work is not representation, citing the veteran's statutory right to submit private medical evidence (38 U.S.C. 5125, 38 CFR 3.159(a)(1)) and pointing to state medical board regulation of its clinicians. Its scope also ends where appeals begin: the company's own FAQ says it is "unable to develop additional evidence for an appeal" and refers those cases out to an attorney network.

The record contains a documented counterpoint. NPR's December 2025 investigation described client packets arriving through a platform called Benefit Karma, where completed VA claim forms could be reviewed and faxed to the VA, and reported that the Benefit Karma trademark is held by an LLC registered to Trajector's founders at the same business address. A former VA Inspector General told NPR that arrangement violates the meaning of the law. Trajector calls Benefit Karma a separate public platform. The VA's Office of General Counsel sent the company cease-and-desist letters in June 2017 and January 2022 saying its activities suggested unlawful claims assistance; Trajector responded both times that it was not breaking the law and says the VA never replied. Both characterizations are part of the record; this review takes no position on the legal question.

The current website and the historical contract describe different buying moments

Trajector's current homepage emphasizes medical-evidence development, licensed clinical review, and a veteran-submitted packet. Its commitment page says the work is distinct from accredited representation and does not guarantee a VA outcome. That is the offer a new visitor sees in August 2026.

The five-times fee discussed below comes from a client agreement Trajector's general counsel placed in the congressional record in 2022. It is unusually strong primary evidence about the historical contract, but a four-year-old exhibit is not proof that every new customer receives identical terms today. The flagship public site does not provide a clear current dollar schedule or downloadable current client agreement.

That creates a material verification gap. A prospective client should ask for the agreement before supplying a Social Security number or medical file, then compare it clause by clause with the public 2022 document. Confirm the legal entity, services, fee trigger, multiplier, cancellation, post-cancellation obligations, state eligibility, arbitration, and collection terms. If a sales representative says the model changed, get the new terms in writing rather than treating the statement as a correction to the public record.

What the current privacy notice says about sensitive records

Trajector's privacy notice, last updated August 15, 2025, says the company may receive medical records when a user authorizes a provider or agency to send them. It identifies categories that can include Social Security numbers and protected health information. It says data is stored using third-party providers including Keap, Zoho, and Dropbox, and that Worldpay handles payment-card processing.

The notice also describes telemarketing contact after an inquiry, potential automated or prerecorded calls where the user gives the required consent, internal sharing across the Trajector family, service-provider access, and a process for consumer-health-data requests. Its description of de-identified data includes sharing with partners to measure advertising performance.

Those disclosures do not prove misuse. They do show why a veteran should ask which debtor or affiliate controls the file, which clinicians and contractors can see full records, how long records and recorded calls are retained, how to export or delete data, whether a request to stop marketing also stops service communications, and what happens to records if a business line is sold.

The privacy notice says personal information may be transferred in a merger, sale, liquidation, or asset transfer. That kind of clause is common. It has extra practical relevance when the company is reorganizing under court supervision.

What Chapter 11 changes for a new buyer

Chapter 11 is not the same as a shutdown. A debtor can continue operating, pay authorized post-petition obligations, seek financing, sell assets, assume or reject contracts, and propose a reorganization plan. Trajector says it continues to operate under court supervision.

For a consumer, the useful questions are concrete:

1. Which legal entity signs the new contract and receives payment?
2. Is the obligation incurred after the July 23 filing, and how is it treated?
3. If service stops, is a prepaid amount refundable and by which entity?
4. Can the contract or medical record be transferred to a buyer?
5. Are services available in the veteran's state today?
6. Does the current agreement change collection, arbitration, or cancellation rights because of the bankruptcy?

The public claims agent and docket can confirm notices and deadlines, but it cannot provide personal legal advice. Existing customers with a disputed pre-filing invoice or possible claim against a debtor should not rely on a blog post to decide whether to file a proof of claim.

Evidence quality is separate from the company controversy

A VA adjudicator does not assign weight based only on the vendor's name. The useful question is whether the signer is competent for the medical issue, reviewed an accurate record, explained the reasoning, addressed contrary evidence, and used conclusions supported by the facts.

Before paying, ask for the clinician's name, license, specialty, state, exam format, and the records they will review. Ask whether the clinician may decline to support the requested theory, whether the veteran sees a draft for factual corrections, and what happens if VA requests clarification. A document should not promise a favorable opinion before the clinician evaluates the evidence.

Also separate three outputs that sales language can blur: a condition list assembled by non-treating reviewers, a DBQ describing severity, and a nexus opinion connecting a condition to service or another disability. They answer different questions and do not automatically substitute for one another.

The fee, from the contract the company put in the congressional record

Trajector's flagship site, trajectormedical.com, publishes no prices: no fee schedule, no multiplier, no examples (checked August 2, 2026). One Trajector-owned page does state the multiplier: the referral FAQ at trajectordisability.com says the "Standard Fee" is "Five (5) times the total Increase in your total VA pay from today's total monthly pay compared to the total you receive after a favorable VA rating decision" (fetched August 2, 2026).

The complete terms are public through an unusual door. In April 2022, Trajector Medical's own general counsel, Evan Seamone, attached the full client agreement, the "Medical Evidence Development Agreement," to his prepared statement for a House Veterans' Affairs subcommittee hearing. The company itself put its fee terms into the congressional record. From that agreement, as of April 2022:

• The standard fee clause: "You promise to pay our standard fee, which is equal to five (5) times the amount your monthly VA compensation increases by." Unpaid balances accrue "a monthly service charge... at the lesser of 1% percent per month or the maximum legal rate," waived if you pay in full within 90 days of the date on your VA claim notification letter. "You shall pay all costs of collection, including, without limitation, reasonable attorney fees."
• The agreement's own worked examples: a $700 monthly increase means a $3,500 fee; a $2,000 monthly increase means $10,000, each plus the service charge if unpaid after 90 days.
• Supplemental fees stack on top: appeals add 10 percent of your monthly increase times the months between effective date and award; CUE awards add 25 percent of the increased amount times the months back to the effective date; temporary 100 percent convalescence claims add 20 percent of the gross increase; a records review over 100 pages adds $250.
• The company's stated posture on collection: "we want to be first in line to be paid as soon as you receive an increase in benefits."

Third-party reporting matches the structure and shows the scale. NPR (December 2025) reported bills as high as roughly $20,000, including a veteran who went from 10 to 80 percent and was billed $17,400. CalMatters (September 2025) reported an example veteran who owed $5,500 and negotiated a payment plan with interest. For comparison: the same rating jump that generates a $17,400 Trajector bill would cost $1,250 flat at VetClaims.ai, $1,497 at VetComm, or up to $15,000 at VA Claims Insider under its cap. Trajector's reported bills are the highest in the industry, and Congress is weighing a bill (the CHOICE Act, per NPR) that would cap such fees at $12,500; a five-times fee exceeds that cap on any increase above $2,500 a month.

The collection mechanics drew the sharpest reporting. Per NPR, the company used an auto-dialer its staff called CallBot to query the VA's benefits hotline using clients' Social Security numbers and birth dates; a detected increase automatically generated an invoice. The signature page of the client agreement collects exactly those two identifiers. Trajector told NPR that clients agree in the signed service agreement to self-report increases, and that when they do not, the company sends a draft invoice. NPR also reported the company did not use third-party collectors or credit reporting, and interviewed veterans on both sides: some who called the fee steep but worth it, and others billed after cancelling or after winning with free help elsewhere.

Start with a free claim assessment. Answer a few quick questions and review one claim document to see what the record supports, what may be missing, and what to check next. Start my Free Claim Readiness Review. A free account and separate AI consent are required before uploading. No credit card is required; optional deeper tools have their own limits. This educational review does not predict a rating or replace an accredited representative.

Claim Raven works alongside your accredited representative. It never replaces one. We never take a percentage of your back pay. Plans are a flat monthly price you can cancel any time from your billing page. We never contact VA about your claim and never file anything on your behalf.

Cancellation, in the contract's own words

The agreement can be canceled "at any time by either party." What cancellation does not do is erase the fee: "You promise to pay us even if this agreement has been canceled prior to you receiving the increase in your VA pay," so long as the increase came on a claim using the evidence package they provided. The agreement's FAQ adds that if their evidence "leads to a win on appeal, you are still responsible to pay for services we have rendered." That clause is the contractual shape of the NPR stories: one veteran emailed to cancel a month in and was billed $4,500 after later winning a rating with free help; another was billed $3,600 after his attorney won the appeal. Disputes go to mediation in Alachua County, Florida, then binding arbitration. None of these terms appears on the marketing pages; they live in the agreement you sign.

The legal and financial record, dated

• June 2017 and January 2022: VA OGC cease-and-desist letters; written rebuttals from the company both times.
• 2026: Quijada et al. v. Trajector, Inc. (filed in the Central District of California, transferred in June 2026 to the Northern District of Florida) and Baker v. Trajector Medical (Northern District of Florida), putative class actions alleging unlawful fees for VA claims assistance without accreditation. Both are on hold after the Chapter 11 filing, per NPR; no court has ruled on the allegations, and Trajector has said the claims are without merit.
• May 2026: a governance dispute between co-founders James Hill (CEO) and Gina Uribe (CMO) over decision-making authority, which the company's filings say impaired refinancing efforts, was resolved in Hill's favor by a Delaware Court of Chancery judgment (per the first-day filings as summarized by bankruptcy trackers Bondoro and Petition).
• July 23, 2026: Chapter 11, Middle District of Florida, 22 debtor entities. Lead case: Trajector Holdings, LLC, case 3:26-bk-03286, Judge Jacob A. Brown. Trajector Medical, LLC has its own case, 3:26-bk-03291. The filing followed a failed effort to refinance roughly $62.9 million outstanding on a secured loan facility after the lenders declined further maturity extensions; the company's investment banker had contacted more than 50 potential lenders without a deal. The filings report Trajector Medical's revenue down about 60 percent year over year for the period ended June 30, 2026, services suspended in 23 states since 2024, and 28 states with new statutes on veterans-benefits services, including 12 that prohibit compensation to unaccredited entities and 12 that impose conditions such as fee caps.
• September 8, 2026: the New York and Illinois attorneys general tell the bankruptcy court in a letter that they have ongoing investigations, per NPR.
• September 24, 2026: NPR reports that both states intend to commence legal action. Trajector denies the allegations.
• Trajector's own acknowledgment: its our-commitment page now carries "A Note on Our Financial Restructuring" stating the company "continues operating as usual and, under the supervision of the court, has the resources to meet our obligations" (fetched August 2, 2026). The homepage says nothing about the filing.
• If you are a current client: the public claims docket is at veritaglobal.net/trajector. That is where you can look up your entity's case and any deadline notices that affect you.

What veterans say

The spread is wider than any company in this series. Their homepage cites 13,000-plus reviews at 4.6 average via Birdeye, plus 2,500-plus video testimonials, and displays a BBB A+ badge (all fetched August 2, 2026). As of the August 1 research pass, the BBB profile also carried two active alerts, one of them a formal Pattern of Complaints alert. Trustpilot shows about 4.5 from roughly 95 reviews; Yelp shows 2.4 from 95. The dominant Reddit theme in veteran communities is not that the work is fake, but that it is overpriced relative to what was delivered, alongside recurring surprise-billing stories. Both realities coexist: tens of thousands of served clients with positive outcomes, and a complaint pattern serious enough that BBB flags it and two plaintiff firms built cases on it.

How Claim Raven compares

Claim Raven plan update, October 24, 2026: Plus is $39.99 a month or $359.99 a year and includes one Raven Cipher C-file read per member, including current subscribers. There is no per-page charge; upload-size limits still apply. The included read does not reset each month or year. Standard is $24.99 a month or $229.99 a year; Standard reads and extra Plus reads are $19 each. Pathfinder rereads are free while membership is active. Cipher lists leads with the record pages behind them for you to check.

The comparison has a real limit worth stating: Trajector's clinicians produce medical evidence, which software cannot do. If what your claim genuinely needs is a medical opinion, the honest alternatives are your own treating providers, an independent examiner you hire directly at a published flat rate, or a VSO-guided path to a VA exam. What you should not do is sign an unpriced contract for five times your increase without reading it, from any company, in bankruptcy or not.

The questions to ask before signing

1. What is the exact fee, in writing, before the consultation call ends? The April 2022 agreement is public; ask whether the current one differs, and read every fee clause before you sign.
2. What happens to your contract, your packet, and any pending invoice now that the company you would be signing with is a Chapter 11 debtor? Check the docket yourself before relying on "operating as usual."
3. Could your own treating physician write the same opinion for the cost of an office visit? Bring the question to your next appointment before you sign anything.

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Public feedback: positive experiences, concerns, and limits

Feedback checked September 10, 2026. This update covers outside feedback; it does not redate every price or legal source elsewhere in the article.

What reviewers liked

The writer of this Trajector Medical experience report describes receiving a rating increase. That is a reported favorable claim outcome inside a critical review. It is not a clean endorsement of the service or proof that Trajector caused the increase.

What reviewers disliked or what remains unverified

The writer objects to the cost and describes frequent contact around the process. A separate discussion contains differing views of the help and payment obligation. Historical multiplier descriptions should be compared with the current contract rather than republished as today's fee schedule.

What I would check before paying

Ask exactly which work creates the payment obligation, how the amount is calculated, and which support continues after delivery. A veteran can be pleased with an award and still regret the contract. Preserve both parts of that experience when deciding whether the service fits your budget.

How I checked: Exact-brand Reddit and open-web review searches; selected linked material, not an exhaustive platform export. Purchases and claim outcomes were not independently verified. These accounts cannot establish a success rate or predict your result.

Sources and limitations

• Trajector Medical homepage, current commitment page, privacy notice, and website terms, checked August 14, 2026.
• April 2022 House testimony and attached client agreement.
• Trajector restructuring case information, checked September 26, 2026, including the class plaintiffs' motion on the claims deadline, the creditors committee's motion to extend it, and the September 29 hearing agenda.
• NPR, September 24, 2026: attorneys general investigations and NPR, December 2, 2025: original investigation.
• Military.com, April 14, 2026 and Military.com on the bankruptcy stay.
• Dockets: Quijada, N.D. Fla. 1:26-cv-00150 (originally C.D. Cal. 2:26-cv-03792), Baker, N.D. Fla. 1:26-cv-00099, Trajector Medical, LLC, Bankr. M.D. Fla. 3:26-bk-03291.
• The War Horse on VA warning letters, VA accredited representative FAQs, VA accreditation search.
• Bankruptcy and class-action posture can change quickly. The docket controls over a summary. The 2022 agreement is historical primary evidence and is not presented as proof of every August 2026 contract.
• No current signed customer agreement, individual medical packet, or private customer account was reviewed. Company and review-platform totals are attributed claims, not audited VA outcomes.

Where to go next

• Related review: VA Claims Insider Review: Fees, Terms, Lawsuit
• Related review: VetClaims.ai Review: What $1,250 Actually Buys
• Related guide: VA Nexus Letter Examples and Key Phrases, what adequate medical evidence looks like
• Disclaimer: Claim Raven is data analysis, not legal, medical, or VA-accredited advice.

-Landon Founder, Claim Raven | U.S. Army Veteran