[Type here) Ralph L. Sanders Case 19-bk-24331-PDR 

Motion for Notification of additional assets, Small Bussiness Administration 

(Creditor) is assigning someone to my Bankruptcy case and part of the objection 

to Mr. Stewart's motion. 

Dear Honorable Judge Peter D. Russin 

UNITED STATES BANKRUPTCY COURT 

United States Courthouse 299 E. Broward Blvd. 

Courtroom: 301 / Chambers: Room 303 

Fort Lauderdale, FL 33301 

BANKRUPTCY COURT U.S. DISTRICT OF FLORIDA 

so=t.runERDALE DMSION 

MAY O 6 2021 

FILED 7-f~ RECEIVED 

Bankruptcy Case 19-bk-24331-PDR Date: April 27, 2021 

Your Honor 

The following is to serve two purposes. 

1. Inform trustee with a full writeup later today of the assets once SBA 

gets back to me 

2. SMALL BUSINESS ADMINISTRATION: May have Title Insurance 

policy and lawyers who seem to enjoy collecting Title Insurance. SBA 

Loan Number: 1877566003. 

Main 

Case id 19-bk-24331-PDR Page 1 of 8 

Case 19-24331-PDR Doc 125 Filed 05/06/21 Page 1 of 13
[Type here] Ralph L. Sanders Case 19-bk-24331-PDR 

1. I have six additional NEW assets due to the recent discovery of 

the issues this month (April) month. I received a full copy of my 

buyer title insurance yesterday (April 26, 2021 ). On Thursday, April 

22, 2021, I picked the copies of permits that I was missing from 

The City of Plantation microfilm department. This is to be part of 

my Objection to Mr. Strewart motion to move the asset out of 

Bankruptcy protection 

a. Two Title Insurance policies 

1. Buyers Title Insurance policy: value $292,000 See 

attached 

ii. Lenders (BNYM/WF) Title Insurance policy: Value 

$313,00 that I paid $2,080 

b. Title Defects. Physical, non-curable except with a bulldozer 

i. Setback/Lot line violation: Documentation 1959 Land 

Platt. 1962 survey after the home was completed with 

a 15 ft wide canal with a 20-foot easement. House was 

not kosher. Records from the City of Plantation 

microfilm department showing in 197 4, the drainage 

ditch was still 15 feet wide. In a 2004 survey, when I 

bought the house, it reflected that I was 14 feet away 

Case id 19-bk-24331-PDR 

PageZ~.,J 

Case 19-24331-PDR Doc 125 Filed 05/06/21 Page 2 of 13
[Type here) Ralph L. Sanders Case 19-bk-24331-PDR 

from the Eastmanwhen I should have been 20 feet 

away; there are no variances for myself. There are 

additional details (statutes, case law, and emails) that 

I'll file the rest of it by this afternoon. 

ii. There are two additions done to the house without 

permit one of them is the front of the house the flat roof 

section they were permits in 197 4 for the back pool 

area shelter, external bathroom only access from the 

outside other house and additional electrical work 

that's it the rest of the permits until 2004/2005 was 

roofing 

iii. The sixth asset may be the drainage ditch issue. I 

need to find more case law to uphold my opinion. The 

land beneath the water is the property owner such that 

I have ten feet and neighbor on other side has ten feet, 

BUT the Old Plantation Water Control District has 

superior rights, the homeowners are just the collateral 

damage 

2. One thing I am curious about is BNYM does have a title attorney 

assign to my bankruptcy case. I wonder why he didn't correct me 

Case id 19-bk-24331-PDR Page 3of 8 

-;fix( 

Case 19-24331-PDR Doc 125 Filed 05/06/21 Page 3 of 13
[Type here] Ralph L. Sanders Case 19-bk-24331-PDR 

when I was thinking & emailing all parties that it was a 

homeowners insurance claim. How I got that opinion was a GC 

was giving me quotes on repairs my house, and one of the GC's 

notice the lot line/setback issue and informed me to file an 

insurance claim on the issue along with three other issues he had 

found with the house 

My property violates' city code is based on 1964, 2004, 2005, 2021 

City of Plantation. The construction of the homes is required to follow 

the platted map, which includes plans for a 20-foot wide easement. 

Instead, the builder went with the existing drainage waterway that 

was 15 feet wide 

Per the 2004/2005 zoning code, the property is in violation. 

In the following case law, the defects would have to be bulldozed 

Owner bedroom/bathroom removed; secondly, the elevation of the 

house ( old section) is below the base elevation 

The above title is in addition to the homeowner insurance issues. 

Case id 19-bk-24331-PDR Page 4 of 8 

Case 19-24331-PDR Doc 125 Filed 05/06/21 Page 4 of 13
[Type here] Ralph L. Sanders Case 19-bk-24331-PDR 

Attorneys 

Timmy Kingcade is willing to take on the case, but he does not 

handle Chapter 13 cases in Broward 

Charles Barron: He had helped me with the Finnish social benefits 

when Social Security said to go to Fiins pension program directly. He 

is looking at being a lawyer herder for a fee. 

44 7 So. 2d 427 (Fla. Dist. Ct. App. 1984) Cited 12 times 

In CMEI, Inc. v. American Title Ins. Co. (Fla. Dist. Ct. App. 1984) 447 So.2d 

427, an insured mortgagee who had acquired title to the secured property 

by foreclosure made a title insurance claim regarding an 

undisclosed defect in title. "title defects in claims may exist which reduce 

the market value of the security property (the value to the owner) yet result 

in no loss or damage to the insured mortgagee because the effect of the 

title problems does not reduce the value of security property below the 

amount of indebtedness secured or because the indebtedness is otherwise 

secured or paid." 

Case id 19-bk-24331-PDR Page 5 of 8 

(ft,.Jr 

Case 19-24331-PDR Doc 125 Filed 05/06/21 Page 5 of 13
[Type here] Ralph L. Sanders Case 19-bk-24331-PDR 

1964 City of Plantation Building code 

a. (b) Where the rear of a lot in a single-family residential district 

abuts a public or private canal, lake, or waterway right-of-way of 

less than seventy (70) feet in width, the depth of the required rear 

yard setback may be reduced in accordance with the following 

schedule: 

Minimum rear yard 

Average lot depth 

setbacks 

100' 10% of net depth of lot 

100' to 105' 11 % of net depth of lot 

105' to 110' 12% of net depth of lot 

110' to 115' 13% of net depth of lot 

115' to 120' 15% of net depth of lot 

120' or over 20 feet 

Case id 19-bk-24331-PDR Page 6of8 

Ii /4 

Case 19-24331-PDR Doc 125 Filed 05/06/21 Page 6 of 13
[Type here] Ralph L. Sanders Case 19-bk-24331-PDR 

RPTE FL-CLE 4-1 (Approx. 292 pages) 

. "The invalidity or unenforceability of any assignment of the insured 

mortgage, " 

" Generally, title insurance operates to protect a purchaser or mortgagee 

against defects in or encumbrances on title which are in existence at the 

time the insured takes title. National Mortgage Corporation v. American 

Title Insurance Company, (1980). Title 

insurance is unique in that it is retrospective, not prospective. Van Arsdale 

v. Metropolitan Title Guaranty Co., 

(Dist. Ct. 1980). 

The risks of title insurance end where the risks of other kinds begin. Title 

insurance, instead of protecting the insured against matters that may arise 

during a stated period after the issuance of the policy, is designed to save 

him harmless from any loss through defects, liens, or encumbrances that 

may affect or burden his title when he takes it." 

Case id 19-bk-24331-PDR 

Case 19-24331-PDR Doc 125 Filed 05/06/21 Page 7 of 13
[Type here] 

PROSE 

Ralph Levi Sanders 

561 SW 60th ave 

Plantation, Fl. 33317 

754.801.7097 

Ralph L. Sanders 

Case id 19-bk-24331-PDR 

Case 19-bk-24331-PDR 

Page 8 of 8 

fi>C 

Case 19-24331-PDR Doc 125 Filed 05/06/21 Page 8 of 13
4/27/2021 

Gmail 

Title policy and survey 

4 messages 

Debby Watarz <debby@allcountytitleservices.com> 

To: ralph.l.sanders@gmail.com 

Ralph, 

Please see attached. 

Please confirm receipt by reply email. 

Debby 

Deborah Watarz 

All County Title Services, Inc. 

Schilian & Watarz, P.A. 

(561) 994-8844 

Fax:(561)994-8864 

Gmail - Title policy and survey 

Ralph Sanders <ralph.l.sanders@gmail.com> 

Mon, Apr 26, 2021 at 9:52 AM 

AVG. This email has been checked for viruses by AVG antivirus software. 

IJ 20210426094722848.pdf 

274K 

Ralph Sanders <ralph.l.sanders@gmail.com> 

To: Debby Watarz <debby@allcountytitleservices.com> 

Thank you, Debby 

Mon, Apr 26, 2021 at 10:09 AM 

1/5 

https://mail.google.com/mail/u/0?ik•ac0ba966cl1 &view-=pt&search-all&permthid-thread-f%3A 1698111313560884992&simpl•msg-f%3A 1698111... 1/2 

Case 19-24331-PDR Doc 125 Filed 05/06/21 Page 9 of 13
-----------------------------------------·-

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Case 19-24331-PDR Doc 125 Filed 05/06/21 Page 10 of 13
' ,, 

• ,:4 

- OWNER'S POLICY OF TITLE INSURANCE 

las\led by Lawyers Title Insurance Corpo~tion 

r.., LandAmerica .. ·Lawyers Tttle taw,wa 'lllt .... Colpotllion ~ .... ,,,,. ~~,,·---••wrln 

•• 

POI.ICY NUMBER 

A81-0131f09b 

SUBJECT TO THE EXCLIJSIONS FROM COVERAGE. THE EXCEPll0NS FROM COJERAGE CONTAINED IN SCHEDULE B AND THE 

C0tbTION8 AND STlPULATIONS, LAWYERS mlE INSURANCE COAPORAllON, a Vllglr,la ccrporat1on, hantln caled lie Company, 

lnMns. .. of c.. of Paley lhoWn In Schedule A. against toas 0, cllmage, not a:eedlng .. Amount Of ln8tnnce ltablcl in Schadde A, 

aus1aNd arlncumKt by the ln8ured by reaeon of: 

;r 

The company allO wil pay Ile coata, llltomay$' fies and explll88I Jncurrad In dafenN of lw Ille, aa NUred, but anlJ ID the extent prcwkSad In 

the Ccrldlllons and Slfpulaflons. • 

IN WITNESS WHEREOF, LAWYERS Tm.I INSURANCE CORPORATION tiM calNd III oarpamlltnam&and Na1 to be "4nlJnlo dhaad tJ, 

Is ctuy authOltzed ~ fie Polley lo become Vlllld wlat ~ by an aul'lorlzed dicer or agent of the Colnpimy. 

LAWYERS TITLE INSURANCE CORPORATION 

?ro,....t- ti. Q~ 

- I 

Case 19-24331-PDR Doc 125 Filed 05/06/21 Page 11 of 13
•Pr • .. 

Lawyers - Title Insurance Corporation - OWNER'S POUCY 

Schedule A 

PolicyNo.: 

a81 • l.34C»6 

Effective Date: May 12, 2004, or Ibo daco ml time of recordiq of the iDsmal deed, wJuchcvar is lamr. 

Amount ofimmance: $292,000.00 

1. Namcoflmmed:RaJpbSandera 

2. Tllo estate or interest Jn the .land deacribed herein IOd which ii cownd by this policy it a fee simple (if other, specify 

same) aad ia at the e&=tive dale hrnofvestecl Jn tho named iDsured • abown by Ibo imllimmt to be recorded. 

. 3. The land refaaed to m this policy ii dacrihecl II fi>llows: 

Lot 22, Block 4; of PLANI'AnON PARK 101ll ADDMON, according to the Plat tllereo( RC01'ded in 

Plat Book SS, Page 21, of die Public Reo0lds of Bmwud Comity, Fkldda; aakl land8 ~ lyioa and 

beina in Blowanl Coumy, F1oJida. 

4. 1'be landdlllaon"bed bereJn it -=mnbc:red bytbe Now.ma mortgage and assipaents, if any. 

Mortpae iD the sam ofS232.000.00 fmm Ralph Sanders to <ll8So Manbattw Morcpge COtpCntion daied May 1Z 

2004, 1D be fflCOlded in. tho Pob1ic RCI001d, afBrowaid County, Florida. 

Janina Agent 

ABCOIID.t1'ntleSentcel, Jne. 

249' Glad• Roacl, Salte 112 

Bea llaton. JL 33"31 

AgentNo.: ll-4027J 

z::,r:::-.. --- v/5, ·--····--· ·······-·-···· ·-····---···---·- - ···--·---•---::.:....._-------------------.......... 

Case 19-24331-PDR Doc 125 Filed 05/06/21 Page 12 of 13
. · ... ~ 

Policy No.: 

aat-134096 

Lawyen • Title Insurance Corporation • 

OWNER'S POUCY 

Schedule B 

Tb.is policy doea not iasuro qaimt loas or damage by reason of the followiq cxccpticms: 

Agent's File Reference: 

04-204Sanders 

l. Taxes for the year of the offcedve date of drla policy and taxes or special ••smmts which are l10t abown as exmma 

lieus by tbe public reccsds. 

2. Rip13 or c1aimt otputiea in posseuimnot shown by the public recoRil. 

3. ~ ovedaps, boundary Hna disputes, and any other snaum which wouJd be disclosed by an accurato 

amwy and impectioo of thopremiaes. · 

4. Easements or clafmt of easemmts uot shown by die public records. 

S. • Any lien, or riaht to a lien, tbr services, labor, or mataia1 heretofore or heraibsr fhmjrbc,d, imposed by Jaw and not 

shown by the public iecorda. 

6. Any advene oWDfflhip daim by tbc State of Florida by risbt of sovereipty to any portion of 1hc lands iaued 

hereunder, b,c1uding ~ filled and artificiaJly expoaed Janda, and Janda acaeled to IUCh bmds. ~ 

7. Tho lien of all tues tor the, yes2004 and tbo.reafter~ which are not yet due and payable. 

8. Matmra as contamed ou the Plat of PLANTATION PARK 10TH ADDmON recorded in Plat Book 55, pap 21. of 

the publioiecords of Broward~. P1or.ida. 

9. - C<MIWlfl, 

~ 

teatrictiom, canditioas, rwvati~ eesemom. Ucns for ~ ad other pmYisiom sot 1brth in 

recorded in Of!icia1 Reccxds Book 2389, at Pap 203, ?9-tl!CXlldecl in O.ll Book 2420, Page 816 and m. 

allied imtrumems tdsrred to ia llid?'Olbic1iona, if 11J¥. -

ITEMS 1-6 are hereby deJeled. 

All Book and Pap rrf,nnca tn to 1M P,,J,lk Jlllcard., of Browanl CocmtJ,. FlorldtJ. 

FOl1tl OPM-SCH. B 

(J"'P. $/94) 

I 

Case 19-24331-PDR Doc 125 Filed 05/06/21 Page 13 of 13