In Part 1 of this series, we revealed the juicy details of of the first seven of nine lawsuits in which North Miami Beach carpetbagging “candidate” Linda Joseph was a named Defendant.
We continue here in Part 2 by spilling the tea on the remaining two lawsuits, along with the Chapter 13 Bankruptcy that Linda filed in 2017.
8. On June 23, 2014, Mortgage Guaranty Insurance Corporation (MGIC) filed a lawsuit against Linda Joseph-Noel on a property located at 17602 NW 25 Avenue, Unit 209, Miami, Florida 33169, which she had lost in a foreclosure action to BAC Home Loan Servicing LP on June 2, 2010, and described in Part 1, paragraph 1.
According to the Complaint, since MGIC insured Linda’s original BAC (Bank of America) foreclosed mortgage (which we wrote in Part 1), and paid BAC’s claim for the $44,559.85 loss incurred, MGIC was seeking the recovery of its payout by filing this lawsuit.
A Summons was issued on July 3, 2014, and as expected Linda Joseph once again did her best to avoid being served.
On November 19, 2014, the process server filed an Affidavit of Non-Service, stating that on September 11, 2014 he attempted to serve Linda Joseph-Noel at her Biscayne Gardens house, but was told by “Martha Exiuls,” a/k/a Marthacia Exilus Joseph (Linda’s stepmother), that “she purchased the property in 2010” from the Defendant, who does not live there.
Except she was lying.
As we already mentioned in Part 1, Marthacia Exilus Joseph took title of the property on April 19, 2013 when Linda’s father, Macellon Joseph, executed a Warranty Deed, which was recorded on April 23, 2013 among the PUBLIC RECORDS OF MIAMI-DADE COUNTY, FLORIDA.
And, for the record, we know that Marthacia Exilus Joseph, a/k/a Marthancia Exilus Joseph was the wife of Macellon Joseph as evidenced by her Estate which he filed as “her husband” on December 20, 2019 among the PUBLIC RECORDS OF MIAMI-DADE COUNTY, FLORIDA.
Since Marthacia/Marthancia died Intestate, i.e., without a Will, as well as without any known beneficiaries other than Macellon Joseph, he was the sole preparer of all the Estate documents filed among the PUBLIC RECORDS OF MIAMI-DADE COUNTY, FLORIDA.
Interestingly, one of the documents filed, entitled Affidavit in Support of Petition to Determine Homestead by a Disinterested Third Party, was signed by an individual by the name of Ada Charles, whom Linda Joseph insists is “her sister.”
We find that claim even more suspicious now because if Ada is in fact Linda’s “sister,” why would she sign an affidavit claiming to be a “Disinterested Third Party” if she was related to any of the parties involved in the Estate of Marthancia Exilus Joseph either by birth or by marriage?
That doesn’t sound “disinterested” to us in the least.
In any event, since Linda Joseph, a/k/a Linda Joseph Noel, successfully avoided being served by Mortgage Guaranty Insurance Corporation (MGIC) for her unpaid debt of $44,559.85, on August 30, 2017 the Judge Entered a Notice of Lack of Prosecution and Order to Appear for Hearing. On September 26, 2016, MGIC filed Notice of Dismissal Without Prejudice, and on November 21, 2016 the Judge issued an Order of Dismissal Without Prejudice, which means that the Plaintiff is free to refile it’s lawsuit at any time, if it’s still within the Statute of Limitations. Since this case was dismissed a decade ago, it’s already outside the typical 5-year Statute of Limitations so Linda gets to shirk all responsibility for paying back a debt she legally incurred.
We are not surprised.
9. On August 1, 2014, Cathy Edelman filed a lawsuit against Linda Joseph in County Court. Along with a Summons/Notice to Appear for Pretrial Conference, Ms. Edelman also filed a Statement of Claim for the nonpayment of a Promissory Note in the amount of $4,300.00, which was “due and payable on June 17, 2014; six months from date of inception.” Although the Plaintiff “made demand for payment on June 20, 2014,” she claims that Linda Joseph “refused to pay off the Promissory Note.”
Seems kind of deadbeat-ish to us.
Just saying.
Exhibits to the Complaint include the signed Promissory Note, along with copies of letters from Ms. Edelman’s attorney requesting payment, as well as the $300.00 receipt for the cost of filing the lawsuit.
On September 10, 2014, the Plaintiff filed a Notice of Service Returned, stating that the Complaint was served to a “CAROLINE JOSEPH (AUNT)” at the same Biscayne Gardens house that Linda’s stepmother, Marthacia Exilus Joseph claimed two months later that Linda Joseph sold to her in 2010 and did not live there anymore.
We can’t help but wonder if this alleged “AUNT” named “CAROLINE JOSEPH” might be the same woman who called herself “CAROLINE HARRIS” when Wells Fargo attempted to serve Linda Joseph with its lawsuit two years earlier at this same house, and who falsely claimed that Linda sold her the house “about one month ago,” and had not seen her since.
Just saying.
Although an Agreed Final Judgment was entered on September 17, 2014, stating that Linda Joseph admitted during a Pre-Trial Conference that she owed the money and agreed to pay to Cathy Edelman a total of $6,450.00, including interest, court costs, and attorney fees, she never satisfied that Judgment. On January 16, 2015, the Plaintiff filed a Motion to Hold Linda Joseph in Contempt of Court, and on June 5, 2015, the Court granted that Motion and entered an Order Holding Linda Joseph in Contempt of Court.
Yep.
Definitely some serious deadbeat-ish stuff going on here.
And for the coup de grâce.
9. Unfortunately for Cathy Edelman, Linda filed for Chapter 13 Bankruptcy on December 29, 2017 and, based on the PUBLIC RECORDS we downloaded from the United States Bankruptcy Court Southern District of Florida, it appears that the majority of Linda’s debt has been wiped out, including Cathy Edelman’s loan.
In the 17-page Voluntary Petition for Individuals Filing for Bankruptcy that Linda Joseph filed on September 29, 2017, she estimated her assets to be “$0-$50,000” and her liabilities to be “$100,001-$500,000.”
The Petition form itself describes the various types of bankruptcies that can be filed, including the Chapter 13 that Linda opted for, which reads:
Chapter 13 is for individuals who have regular income and would like to pay all or part of their debts in installments over a period of time and to discharge some debts that are not paid. You are eligible for chapter 13 only if your debts are not more than certain dollar amounts set forth in 11 U.S.C. § 109.
Under chapter 13, you must file with the court a plan to repay your creditors all or part of the money that you owe them, usually using your future earnings. If the court approves your plan, the court will allow you to repay your debts, as adjusted by the plan, within 3 years or 5 years, depending on your income and other factors.
After you make all the payments under your plan, many of your debts are discharged. The debts that are not discharged and that you may still be responsible to pay include:
-
- domestic support obligations,
- most student loans,
- debts for fraud or theft
- debts for fraud or defalcation while acting in a fiduciary capacity,
- most criminal fines and restitution obligations,
- certain debts that are not listed in your bankruptcy papers,
- certain debts for acts that caused death or personal injury, and
- certain long-term secured debts.
Alrighty then.
Since, unlike Linda Joseph, none of us here at VotersOpinion knew anything at all about bankruptcy, we spent days reviewing all the court documents, doing a ton of research, and consulting several bankruptcy experts to learn as much as we can.
From what we can tell, based on the Trustee’s Final Report dated August 31, 2021, it appears that Linda Joseph was able to literally wipe out $279,592.00 of unsecured debt.
Since bankruptcy law is super complicated for the average citizen to understand, it’s possible that we’re missing something and that she still has to repay some of that debt, specifically her student loans. However, from what we’ve been able to ascertain so far, it does appear that a good portion of her debt will be “discharged.”
Must be nice to shirk your responsibilities as easily as taking out the garbage, right?
But, we’re jumping ahead.
Let’s take a quick look at some of the other bankruptcy documents that were filed in her case in order to get a better understanding of how grifters go through life without giving accountability a moment’s thought.
On October 29, 2017 Linda filed a 40-page Summary of Assets and Liabilities, in which she claimed she owned $250,000.00 of “Total Real Estate.”
We scoured through the Official Records of the websites of both the Miami-Dade County Clerk of Court, as well as the Miami-Dade County Property Appraiser, and we could find no real property parcels in the name of Linda Joseph, Linda Noel, and/or Linda Joseph Noel on that date. It’s possible we missed something, but highly unlikely.
However, on Page 3 of that document, Linda checked the “Yes” box in response to the question, “Do you own or have any legal or equitable interest in any residence, building, land, or similar property?”
Unfortunately for Linda Joseph, the PUBLIC RECORDS OF MIAMI-DADE COUNTY, FLORIDA beg to differ!
The Property Appraiser’s real estate TRIM Notices for the years 2016, 2017, and even 2018, show that the owner of record all three years was in the name of Marthacia Exilus Joseph, Linda’s stepmother, even though she had been deceased since February 12, 2017.
Although Linda’s father, Macellon Joseph, attempted to convey the property by Quit Claim Deed on May 17, 2017 to “MARTHA JOSEPH HIS WIFE (DECEASED) AND LINDA JOSEPH,” the Clerk of Court rejected this document as “Unable to process sale due to deed errors.” Hence, the property was not transferred to Linda Joseph in 2017, and the property remained in the name of Macellon Joseph.
In fact, when Macellon Joseph finally had his wife, Marthancia’s Estate probated two years later, one of the documents he filed was a Petition to Determine Homestead Status of Real Property, which clearly states that at the time of her death on May 17, 2017 (five months before Linda signed and filed the Summary of Assets and Liability with the Bankruptcy Court) that the “Decedent owned 100% interest and resided” at the Biscayne Gardens house located at 275 NW 157 Street, Miami, Florida.
We are not surprised.
Just throw this one on top of the already the burning pile of Linda Lies for posterity.
On December 29, 2017, Linda Joseph filed Debtor’s Motion for an Order Avoiding Judicial Lien, and doubled down on her insistence that she “holds title to an interest in real property located at 275 N.W. 157th St., Miami, Florida.” She also claimed that this property was “wholly exempt” from being used to satisfy any debt. Linda then described Cathy Edelman’s Agreed Final Judgment against her in the amount of $6,540.00, and then requested that this Judgment not be placed as a lien on that property.
But here’s the thing.
Linda Joseph might be able to convince low information voters that she’s a normal, honest, and ethical human being worthy of a seat on the North Miami Beach City Commission …
But she can’t fool people with brains!
On January 16, 2018, Cathy Edelman’s attorney filed a Response to Debtor’s Motion for Order Avoiding Judicial Lien, denying that Linda Joseph holds “in the subject property located at 275 NW 157 St., Miami, FL 33169.”
And this dude brought all the receipts that we’ve already mentioned.
It doesn’t get any more real than that!
It’s important to keep in mind that Linda Joseph borrowed $4,300.00 from Cathy Edelman, a private individual. Ms. Edelman is not a government agency or a bank,.
And yet Linda Joseph thought nothing of screwing over this woman by refusing to pay back her debt even after she was court ordered to do so.
It doesn’t get any more deadbeat-ish than that!
On July 12, 2021, the Court issued its Order Discharging Debtor. On August 31, 2021, the Trustee issued her Final Report as mentioned in the beginning of this saga. And on October 13, 2021, the Court issued Final Decree.
This is a woman who has been a named a Defendant in nine (9) civil lawsuits, mostly because she was unable to pay her debts, and filed for Chapter 13 Bankruptcy because she was incapable of managing her own finances.
Yet she adorably attacked me on Facebook and called me a “loser at life.”
Hey, Linda!
I’ve never been served with a foreclosure lawsuit or filed for bankruptcy because, unlike you, I take responsibility for my actions and, of course, I pay my bills.
And also unlike you, Linda, I can speak and write legibly without the help of AI.
So if anyone is the “loser at life” here, it’s obviously not me.
But you do you, sweetie.
One thing no one will ever understand, though, is why Linda Joseph decided to leave her perfectly lovely 3-bedroom, 2-bath, nearly 2,000-square foot home on an acre of land in Biscayne Gardens, to allegedly move into a cramped, tiny 598-square foot studio apartment in a rental building just to run for office in North Miami Beach.
Yeah, that’s just not the actions of a normal person.
Then again, we are not dealing with anyone remotely resembling normal.
North Miami Beach voters must reject this actual “loser at life” in November and vote responsibly!
Stephanie
