Crawford v. LVNV Funding LLC, 758 F.3d 1254 (11th Cir. 2014); Simmons v. Roundup Funding, LLC, 622 F.3d 93, 96 (2nd Cir. 2010); Walls v. Wells Fargo Bank, N.A., 276 F.3d 502, 510 (9th Cir. 2002); Broadrick v. LVNV Funding LLC and Resurgent Capital Services L.P. (In re Broadrick), 532 B.R. 60, 66-68 (Bankr. M.D. Tenn. 2015); Buchanan v. Northland Group, Inc., 776 F.3d 393, 396-97 (6th Cir. 2015); McMahon v. LVNV Funding, LLC, 744 F.3d 1010, 1020 (7th Cir. 2014)