If you are a Minnesota veteran, a surviving family member, or a disabled individual who paid Trajector Holdings, LLC for help pursuing VA disability benefits, a federal bankruptcy case now underway could directly affect your ability to recover money you may be owed. The window to protect your financial interests is short, and missing it may permanently cut you off from any share of whatever funds the bankruptcy ultimately distributes.
As bankruptcy attorneys who regularly guide Minnesotans through creditor claims in out-of-state cases, we want to walk through what is happening, who may be affected, and the specific steps you should consider before the October 31, 2026 deadline.
What Happened
According to a consumer alert issued by the Minnesota Attorney General’s Office on October 16, 2026, Trajector Holdings, LLC — a company that marketed itself as helping veterans and disabled individuals assemble and submit VA disability benefit claims — filed for Chapter 11 bankruptcy protection on July 23, 2026. The case is pending in the U.S. Bankruptcy Court for the Middle District of Florida, Jacksonville Division (case number 26-03286).
Chapter 11 is generally described as a “business reorganization,” meaning the company may continue operating in some form while restructuring its debts. However, as the Attorney General’s Office has cautioned, the final outcome of this proceeding is not yet known. For customers who paid Trajector for services and believe the company owes them money — whether for undelivered work, refunds, or other alleged losses — the only way to be recognized as a creditor and potentially share in any eventual distribution is to file a formal proof of claim by October 31, 2026.
The court-appointed claims administrator is Verita Global. Electronic and paper proof of claim submissions are being processed through its dedicated portal.
Who May Be Liable
In a Chapter 11 proceeding, the universe of potentially responsible parties is defined by the bankruptcy estate itself. Based on publicly available information, the entities that may be liable to Minnesota consumers include:
- Trajector Holdings, LLC, the named debtor in the Florida bankruptcy case.
- Affiliated Trajector entities, which the Attorney General’s alert indicates are part of the broader corporate structure providing veteran-focused services.
- Potential third parties — such as officers, directors, insurers, or related business entities — who could, in some circumstances, face claims outside the bankruptcy if misconduct is alleged. Any such claims would require independent legal analysis.
Nothing in the public record establishes wrongdoing by any individual. The bankruptcy filing itself is a legal process, not a finding of fault. However, consumers who believe they were charged for services that were never fully delivered, or who allege they were misled about fees or outcomes, may have claims that need to be preserved now.
Legal Theories That May Apply
Several legal frameworks could be relevant to Minnesota consumers evaluating their position:
- Breach of contract. If a consumer paid for specific services under a written or oral agreement and those services were not provided, a contract-based claim may exist against the debtor’s estate.
- Unjust enrichment. Where fees were collected but little or no value was delivered, this equitable theory may support a monetary claim.
- Consumer protection claims. Minnesota’s consumer protection statutes, including the Prevention of Consumer Fraud Act, may apply to alleged deceptive practices directed at Minnesota residents.
- Refund and restitution claims. Any unearned fees held by the debtor at the time of filing may be recoverable through the proof of claim process.
- Priority or administrative claims. Depending on the facts, certain consumer deposits or recent payments could qualify for enhanced treatment under the Bankruptcy Code, though most consumer claims are treated as general unsecured claims.
- Non-dischargeability arguments. In narrow circumstances involving alleged fraud or willful misconduct, creditors can argue certain debts should not be discharged. These arguments are fact-intensive and require careful review.
Each of these theories is potential, not confirmed, and would need to be evaluated based on your individual documentation and experience with the company.
Damages Victims May Recover
What a creditor can realistically recover in Chapter 11 depends on the size of the estate, the priority of the claim, and the eventual reorganization plan approved by the court. Categories commonly asserted by consumer creditors include:
- Refunds of fees paid for services alleged to have been incomplete or undelivered.
- Out-of-pocket losses tied to the services, such as costs incurred to hire replacement providers.
- Interest and statutory damages, where allowed under applicable consumer protection law.
- Attorneys’ fees, in limited circumstances where contract or statute permits.
It is important to be realistic: filing a proof of claim does not guarantee payment. Unsecured creditors in Chapter 11 cases often receive only a fraction of the amounts claimed, and sometimes nothing at all. Still, failing to file by the deadline typically forecloses the possibility entirely.
Evidence That Strengthens a Case
For Minnesota consumers preparing a proof of claim — or exploring whether they have additional claims beyond the bankruptcy — the following documentation can be critical:
- Signed contracts, service agreements, or engagement letters with Trajector or its affiliates.
- Receipts, invoices, credit card statements, and bank records showing payments made.
- Email, text, and letter correspondence with company representatives.
- Marketing materials, advertisements, or website screenshots that influenced your decision to purchase services.
- Records showing what services were promised versus what was actually delivered.
- Any VA correspondence connected to work the company was supposed to perform.
- Notes documenting phone calls, including dates, names of representatives, and what was discussed.
Preserve everything in its original format where possible, and make backup copies.
What to Do Next
If you believe you are owed money by Trajector Holdings or an affiliate, consider taking these steps promptly:
- Gather your documentation showing what you paid and what was promised.
- File a proof of claim through the claims administrator, Verita Global, at the dedicated portal referenced in the Attorney General’s alert, or by paper. The deadline is October 31, 2026.
- Keep copies of your submitted claim form and all supporting materials.
- Do not sign releases or settlement offers from any party without having them reviewed.
- Be cautious of scams. Bankruptcy cases often attract fraudulent “recovery” services; the official claims agent can be reached at (888) 249-2695.
- Consult a bankruptcy attorney if your potential losses are substantial, if your situation is complex, or if you believe you may have claims beyond the standard proof of claim process.
If you or a loved one in Minnesota paid Trajector Holdings for veterans’ benefits services and believe you may be owed money, Rosenzweig Law Office is available to discuss your situation and help you understand your options under the Bankruptcy Code before the October 31, 2026 deadline passes.
Frequently Asked Questions
Can I still file a claim if I live in Minnesota but the bankruptcy is in Florida?
Yes. Bankruptcy cases are federal, and creditors from any state can file a proof of claim regardless of where the case is pending. Minnesota residents who allegedly paid Trajector Holdings for services should file through the court-appointed claims administrator by the October 31, 2026 deadline.
What happens if I miss the October 31, 2026 deadline?
Missing the bar date typically means you lose your right to share in any distribution the bankruptcy estate may eventually pay to creditors. Late claims can sometimes be allowed in very narrow circumstances, but the general rule is strict. If the deadline is approaching, filing something — even an incomplete claim you supplement later — is usually better than filing nothing.
Do I need a lawyer to file a proof of claim?
No, a consumer can file a proof of claim without an attorney, and the claims agent’s portal is designed for self-filing. However, if your claim is large, if you have questions about valuation, or if you believe fraud or deceptive practices may be involved, speaking with a bankruptcy attorney can help you avoid mistakes and evaluate whether additional claims exist.
How much money will I get back from the bankruptcy?
There is no guaranteed recovery. In Chapter 11, unsecured consumer creditors often receive only a percentage of what they are owed, and sometimes nothing, depending on the final reorganization plan and available assets. Filing a proof of claim preserves your right to whatever distribution may ultimately be approved by the court.
What documents should I attach to my proof of claim?
Attach anything that supports the amount you allege you are owed: contracts, receipts, invoices, bank or credit card statements, cancelled checks, and relevant email or written correspondence. The stronger your documentation, the less likely your claim will be objected to or reduced by the debtor or trustee.
Can I sue Trajector in Minnesota state court instead of filing a bankruptcy claim?
Generally, no — not while the bankruptcy is active. The filing triggers an “automatic stay” that halts most lawsuits and collection actions against the debtor. Your remedy is to file a proof of claim in the bankruptcy case, though in rare situations relief from the stay can be requested through the bankruptcy court.
What if I think Trajector engaged in fraud, not just a business failure?
Allegations of fraud can sometimes support non-dischargeability claims or claims against non-debtor parties, but these are fact-specific and require careful legal review. If you believe you were deceived, preserve all your records and consider consulting a bankruptcy attorney promptly, well before the claims deadline.
Where can I report concerns to Minnesota authorities?
Minnesota consumers can file complaints with the Minnesota Attorney General’s Office, which issued the public alert about this bankruptcy. Reporting your experience helps regulators track patterns of alleged misconduct, though it is separate from — and does not substitute for — filing your proof of claim in the Florida bankruptcy case.
Original reporting: ag.state.mn.us.