I think that rather than making baseless conjectures on whether the OP can get into ANY PsyD programs based on 3 numbers, why not let him/her decide for themself by looking at the schools' websites?
For your GPA, just take a look at some PsyD programs' average accepted GPA (if they give the range/quartiles, even better). If you apply to a school whose avg GPA is 3.8 (which is true for a lot of doctoral level programs), than maybe your 3.2 needs some reassessment.
With that said, however, GPA is not everything. I don't even know why everyone on here always mentions their "psych GPA", because none of the schools I applied to even asked for it, and I am certain admissions don't have the leisure to sit there and calculate your psych GPA and compare it to your overall GPA. What they do ask for is your jr/sr year GPA, and they do look at the trend (I've heard). Your numbers are not damning, but your trend is going to work against you. You have a negative, downward trend & you dropped out of a graduate-level program & don't seem to have any research experience. All programs (that I applied to) asked for undergraduate and graduate GPA and you are required to report your grades for all institutions you've attended. I would assume this includes your law-school stint. If you don't have a good reason for why you dropped out, why would the school take the same risk on you when they have hundreds of other applicants drooling to get in?
As far as getting a masters, I'm not an expert on this, and I am only an applicant myself. However, I have heard you should get a masters if 1) you need research experience and 2) have a low UG GPA. I've even heard that having a masters can "hurt" you...but have no idea what that means. Also you have to consider that a masters is very costly.
On top of that, you still have 90% of your application that you have not accounted for other than your GPA: clinical experience, research experience, volunteering experience, skills (i.e. computer programs, etc), networking, GRE, psych GRE, your essays and who knows what else people need to get in nowadays. I would suggest reading over old threads until you have a better idea of what you want to do for the next 2 years or so, then decide. There is a wealth of info online and esp in forums like these, but there is also a lot of bulls*** you have to wade through. Good luck!
Edit: I just wanted to add that I was in a similar situation as yours several years ago. I decided to not pursue a career path that I was set on since college, but knew nothing about the field of psychology or clinical psych. I didn't even realize there was a PsyD degree (so you're ahead of me on that one). I obsessively combed through forums and threads and everything else I could find online and in books to understand the program better and to see where I stand. Couple years later, I'm applying to top programs (I haven't gotten in though, so maybe this is for nothing) with a CV that's a couple pages longer than it was before. It's doable, you just need to sit back and research and figure it all out for yourself.