The Trajector Lawsuits Explained: What Veterans Need to Know

What Veterans Should Know About the Trajector Cases

In spring 2026, Veterans filed two proposed class action lawsuits involving Trajector Medical and related entities. The lawsuits allege that Trajector provided VA disability claims assistance without proper accreditation and charged Veterans fees that violated federal restrictions governing VA claims representation. Trajector disputes the allegations.

One lawsuit also alleges that Trajector used an automated system to monitor changes in Veterans’ disability benefits. According to the complaint, when the system detected an increase in benefits, Trajector generated invoices based on that increase, including in situations where the plaintiffs allege the company did not contribute to the outcome.

On July 23, 2026, Trajector Holdings and 21 affiliated entities filed for Chapter 11 bankruptcy protection in the U.S. Bankruptcy Court for the Middle District of Florida. The bankruptcy filing triggered an automatic stay that generally halts litigation against the debtor entities while the bankruptcy case proceeds.

What the Class Action Suits Allege Trajector Did

Trajector describes itself as a medical evidence company rather than a VA claims representative. According to the company’s position, it provides Veterans with independent medical evidence and charges a fee only when a Veteran receives an increase in disability benefits related to the evidence Trajector provided. Trajector has denied the allegations in the lawsuits and maintains that it operates within the law.

The lawsuits, however, allege that Trajector went beyond simply providing medical evidence. According to the complaints, the company engaged in practices that included:

Providing Unaccredited Claims Assistance

The lawsuits allege that Trajector gathered medical records, helped complete forms, and advised Veterans about claim strategy without being accredited by the VA to provide those services.

Charging Thousands of Dollars in Fees

The plaintiffs allege that Trajector charged Veterans as much as $20,000 for services related to VA disability claims. The lawsuits contend that some of those services were subject to federal restrictions on who may provide claims assistance and when fees may be charged.

Aggressive Collection Practices

The lawsuits also accuse Trajector of repeatedly contacting Veterans to collect disputed bills, including through phone calls, emails, and threats of legal action.

Using an Automated System Known as “CallBot”

According to the allegations, Trajector used an automated dialing system known as CallBot to access personal data in VA systems without consent, to monitor benefit increases, in some cases before the recipients were aware of them.

The CallBot Tracking System

According to the lawsuits, Trajector used an automated system known as “CallBot” to contact the VA Benefits Hotline and monitor changes in Veterans’ disability benefits. The system allegedly used identifying information Trajector had collected from clients, including names, dates of birth, and Social Security numbers, to check for benefit increases.

The lawsuits allege that when CallBot detected an increase in benefits, Trajector could automatically generate an invoice based on the terms of the Veteran’s contract. Trajector expected clients to report benefit increases themselves, but the automated system allowed the company to identify increases even when a Veteran did not self-report them.

According to the allegations, this sometimes resulted in Veterans receiving bills after they had ended their relationship with Trajector or obtained an increase in benefits without the company’s assistance. Trajector disputes allegations that its billing practices were improper.

The Bankruptcy Filing and What It Means

On July 23, 2026, Trajector Holdings and 21 affiliated companies filed for Chapter 11 bankruptcy protection in the U.S. Bankruptcy Court for the Middle District of Florida. The companies are continuing to operate while they pursue a restructuring.

In its bankruptcy filings, Trajector cited several factors contributing to its financial difficulties, including new state laws regulating Veterans benefits assistance, declining revenue, ongoing litigation, and difficulty refinancing its secured debt. As of the filing date, Trajector reported approximately $62 million outstanding under a secured credit facility that was scheduled to mature on July 28, 2026.

The Chapter 11 filing generally pauses lawsuits and collection efforts against the companies while the bankruptcy case proceeds. The two proposed class actions involving Trajector had already been stayed while the company sought to compel arbitration, and the bankruptcy adds another layer to how and when those cases may proceed.

What the Bankruptcy Means for Veterans

A Chapter 11 bankruptcy filing does not automatically dismiss lawsuits against a company. Instead, bankruptcy generally triggers an automatic stay, which pauses most litigation and collection activity against the debtor while the bankruptcy case proceeds.

The bankruptcy generally pauses litigation against the debtor entities. Veterans asserting claims against those entities may need to pursue those claims through the bankruptcy claims process, subject to any applicable court orders, deadlines, relief from the automatic stay, or other developments in the bankruptcy proceedings.

Failure to file a required proof of claim by the applicable bar date can jeopardize or potentially bar a creditor’s ability to recover, so Veterans should carefully review any bankruptcy notices they receive. 

The amount any creditor ultimately recovers will depend on the type and priority of the claim, available assets, the terms of any confirmed Chapter 11 plan, and other rulings in the bankruptcy case.

If Trajector helped assemble evidence for a claim you already won, that decision is not what's at stake here. The lawsuits challenge how the company charged, billed, and collected, and whether it acted as a representative without the accreditation to do so. They do not ask the VA to reopen anyone's rating or treat the underlying medical evidence as fraudulent.

What Veterans Can Do Now

If you are currently working with Trajector or believe the company may have access to information related to your VA claim, take steps to protect your account and understand your options.

Secure Your VA.gov Account

If you shared login credentials or believe your account may have been compromised, change your password and other security information. Never share your VA.gov username or password with a claims representative.

Review Your Representation and Claim

If Trajector is involved with a claim that is still pending, consider speaking with a VA-accredited attorney, claims agent, or VSO representative about your options. You can also contact the VA if you need to change or revoke an appointed representative.

Address Disputed Collection Efforts

If you are receiving bills or collection demands that you believe are improper, keep copies of contracts, invoices, emails, and other communications. An attorney may be able to help you understand your rights and determine how to respond.

Morgan & Morgan has spent more than 35 years fighting For The People, including advocating for Veterans seeking the benefits they earned through their service. Our VA-accredited attorneys can review your situation and help you understand what options may be available.

If you believe you were improperly charged or otherwise harmed by a claims company, contact Morgan & Morgan today for a free case evaluation.