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.

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 federal class actions (Quijada and Baker) were filed in 2026; both were stayed pending motions to compel arbitration. 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.

What Trajector Medical actually is

Trajector Medical logo

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.

  • 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. (Central District of California) and Baker v. Trajector Medical (Northern District of Florida), putative class actions alleging unlawful fees for VA claims assistance without accreditation. Both stayed pending motions to compel arbitration; 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.
  • 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

Trajector MedicalClaim Raven
What it isMedical evidence development by licensed clinicians; you fileSoftware: claim tracking, document analysis, and data from 476,000+ Board of Veterans' Appeals decisions; you file
FeeFive times your monthly increase per its own client agreement in the congressional record; reported bills $4,500 to ~$20,000; no dollar schedule published on its flagship siteFree tier; subscriptions $14.99 to $39.99 a month, cancel anytime
Price transparencyMultiplier on a sister-domain FAQ; full terms only in the signed agreementPublic pricing page
VA-accreditedNo; argues accreditation does not apply to medical evidence workNo; Claim Raven is data analysis software, not evidence preparation or representation
Current statusChapter 11 since July 23, 2026 (its own case, 3:26-bk-03291); services suspended in 23 states per its filingsOperating normally

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.

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

Where to go next

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