UPDATE (April 7, 2026): Calloway County Attorney Bryan Ernstberger told The Sentinel on Tuesday that, out of an abundance of caution, anyone who obtained insurance through Ramey’s agency should contact the insurance company that issued their policy to verify that coverage is in effect. He said anyone who learns from their insurance company that their policy is not in effect should contact his office at 270-753-3312.
MURRAY – Court records obtained by The Murray Sentinel offer new details about the felony case against a Murray insurance agent accused of accepting thousands of dollars in payments from a Graves County church without keeping its insurance in force, while a review of court filings traces debt-related disputes in Calloway County spanning nearly three decades.
Glen “David” Ramey, 59, owner of David Ramey Insurance Company, was arrested Wednesday by the Graves County Sheriff’s Office at his business on North 12th Street.
Ramey is charged with one count of fraudulent insurance acts involving more than $10,000 but less than $1 million, a Class D felony, and one count of theft by failure to make required disposition of property of $10,000 or more, a Class C felony.
According to the complaint warrant filed in Graves District Court by Detective Ben Doran, GCSO began its investigation on March 16 after leaders of Yahweh Baptist Church contacted the agency over concerns that arose after the church received a cancellation notice from its insurance carrier.
Church leaders told investigators that Ramey had served as the church’s insurance agent since 2022, Doran wrote. After receiving the cancellation notice, they met with him.
When confronted, Ramey allegedly told church leaders that he “messed up” and gave them a document stating he owed the church $10,366.86. According to Doran, that document covered the period from Aug. 24, 2022, to Dec. 5, 2024. During that time, the church paid around $12,000 to Ramey for insurance coverage.
The church discovered repeated lapses in insurance coverage over about four years despite never missing a payment, the complaint warrant stated. While Ramey did make the initial payments on policies, they would be canceled for nonpayment within a few months.
A review of online court records shows a history of financial disputes involving Ramey. Since 1997, he has been named in six debt-related cases in Calloway courts, including a small claims case, a district court collection action and several circuit court matters. In Kentucky, small claims cases involve $2,500 or less, district court civil cases go up to $5,000, and circuit court hears larger civil disputes and real-property matters such as foreclosures.
The small claims case came first. It was filed by The Money Place in Murray. Based on court records, it appears that the debt was settled on the same day Ramey was served with the summons.
In 2010, Ramey was the subject of two separate collection matters brought against him in Calloway Circuit Court. The first was filed at the beginning of the year by U.S. Bank, but by year’s end, the parties filed an agreed order dismissing the case with prejudice.
The second case, a foreclosure proceeding, was filed in July by Chase Home Financial, which later became JPMorgan Chase Bank. After four years of litigation, that case was also dismissed, but without prejudice.
When a case is dismissed with prejudice, the matter is permanently closed, unlike a case dismissed without prejudice, which can be reopened in the future.
Ramey became the subject of a new collection matter in 2019. Capital One Bank filed its claim for $2,617 in Calloway District Court. In July 2020, Calloway District Judge Randall Hutchens ruled in favor of the creditor, ordering Ramey to pay the amount owed plus court costs.
Four years later, another dispute arose. In 2024, JPMorgan Chase Bank filed a civil action against Ramey, seeking to collect a credit card debt of $8,576. That case is still active; however, there have been no filings since March 2025.
In January, JPMorgan Chase filed another lawsuit – this time a foreclosure – against Ramey, claiming $86,336 in arrears as of Aug. 1, 2025. According to the foreclosure complaint, two other companies hold mortgages on the subject property, which, based on other court filings, appears to be Ramey’s residence – one for $40,000 from 2016 and another for $73,272 from 2019. The complaint also lists a judgment lien filed by Capital One Bank in the fall of 2020.
Last month, JPMorgan Chase filed a motion to dismiss the case without prejudice, stating that the defendant reinstated the loan. Calloway Circuit Judge Andrea Moore is scheduled to hear that motion Monday, April 20, at 2 p.m.
In the Graves County criminal case, Ramey posted bond Thursday. He is scheduled to be arraigned in Graves District Court at 9 a.m. on Wednesday, April 29.
Individuals charged with crimes are presumed innocent until proven guilty in a court of law.
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