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With offices in Bergen County and Cape May County
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Gary K. Norgaard

  • Retired







Mr. Norgaard has achieved the designation of "Preeminent" by Martindale-Hubbell, and was elected to the "Super Lawyers" list in New Jersey Magazine's annual survey. He has consistently received the highest ratings in surveys among his peers.

Mr. Norgaard has lectured and written for a wide variety of publications since 1980 and is often interviewed by various media sources such as the Bergen Record, the Associated Press, The Star Ledger and various other media outlets. He has served as an Adjunct Professor at Seton Hall School of Law and as a Master of the Bankruptcy Inn of Court. He has been appointed to many different fiduciary positions by state and federal courts including attorney for Debtors, Creditor's Committees and Trustees. He has served as Special Master, Receiver and Special Discovery Master as well as Special Mediator to mediate and resolve the most complex issues involving the interplay of matrimonial, real estate, tax, criminal and bankruptcy law.

Mr. Norgaard has practiced insolvency law since his admission in 1976 to the State and Federal Bars of New Jersey and New York. Since that time he has represented a wide variety of entities in bankruptcy and insolvency matters including thousands of consumers, over one hundred banks and landlords and creditors. He is widely respected for his pro bono work with the underprivileged.

Areas Of Practice

  • Bankruptcy

Bar Admissions

  • New Jersey, 1977
  • U.S. District Court District of New Jersey, 1976
  • U.S. Tax Court, 1978
  • New York, 1981
  • U.S. District Court Southern District of New York, 1981
  • U.S. District Court Eastern District of New York, 1981
  • U.S. Court of Appeals 3rd Circuit, 1993
  • U.S. Supreme Court, 1995


  • State University of New York, Buffalo School of Law, Buffalo, New York
    • J.D. - 1976
    • Honors: Recipient, Reginald Heber Smith Fellowship
  • Rutgers College
    • B.A. - 1970

Published Works

  • Co-Author, "New Jersey Current Collection Law Issues: Creditor's Remedies and Debtor's Rights" (Manual), Professional Education Systems, Inc., 1991-2000
  • "Fundamentals of Bankruptcy Law and Procedure" (100 Page Manual) , National Business Institute, 1998-2000

Representative Cases

  • In re Epi-Scan, 71 B.R. 975, 1987, Bkrptcy, D.N.J., 1987046442
  • In re Steven B. Yabion, 136 B.R. 88, 1992, Bkrptcy, S.D.N.Y., 1992034492
  • In re Cervelli, 213 B.R. 900, 1997, D.N.J., 1997215252


  • Bankruptcy Practice, I.C.L.E., 07/17/1991 to 07/17/1991
  • Basics of Bankruptcy Practice, I.C.L.E., 08/01/1991 to 08/01/1991
  • Bankruptcy Practice, I.C.L.E., 09/12/2000 to 09/12/2000
  • Collection Law and Practice, Rutgers University, Newark, New Jersey, 1991 to 1999
  • A Creditor's Perspective To Bankruptcy, Federal Bar Association, 11/10/1992 to 11/10/1992
  • Collection Practice in New Jersey: The Fair Debt Collection Practices Act, I.C.L.E., 04/04/1998 to 04/04/1998
  • Bankruptcy Reform, Freddie Mac Annual Conference
  • Panel Moderator, Bankruptcy Bench/Bar Annual Conference, 1993 to 1996
  • Adjunct Professor, Seton Hall School of Law

Honors and Awards

  • First Recipient, New Jersey Bar Association Pro Bono Award, May 15, 2003
  • Equal Justice Medal, Legal Services of New Jersey, Nov. 28, 2000
  • New Jersey Bar Association Bankruptcy Law Section Award, April 11, 1997
  • Bergen County Legal Services Pro Bono Award, June 19, 1986
  • “Preeminent” by Martindale-Hubbell
  • Named to the “Super Lawyers” list in New Jersey Magazine’s annual survey
  • “Best Lawyers in New Jersey”
  • Recognized by (201) Magazine as a peer nomination

Professional Associations and Memberships

  • Borough of Leonia, Rent Levelling Board, Vice-Chairman, 1979 to 1981
  • Bergen County Bar Association, Debtor/Creditor Section, Chair
  • New Jersey State Bar Association, Bankruptcy Law Section, Member
  • New Jersey State Bar Association, Chair, Pro Bono Subcommittee
  • Bankruptcy Inn of Court, Master
  • Reginald Heber Smith, Fellow, 1976
  • Bergen County Bar Association, Debtor-Creditor Section, Chairman, 1995 to Present
  • New Jersey Bankruptcy Lawyer’s Foundation, Chief Executive Officer, 2002 to 2008
  • New Jersey Bar Association Bankruptcy Section Committee for Pro Bono Services, Chairman, 1995 to 2007
  • Bankruptcy Mediation Program, Mediator, 1995 to Present
  • New Jersey Bar Association Pro Bono section, Member, 2000 to Present