Johnson v. Home State Bank, 501 U.S. 78, 83-4, 111 S. Ct. 2150, 115 L.Ed.2d 66 (1991); In re Buchferer 216 B.R. 332, 338-341 (Bankr. S.D.N.Y. 1997); Spencer v. Spencer 95 N.Y. 353, 356-57 (1884); Burnett, 135 N.Y. 543 (1892); Schenectady Savings Bank v. Ashton, 205 A.D. 781, 200, N.Y.S. 245, 247 (3d Dept. 1923); In Re Gill, 529 B.R. 31 (Bankr. W.D.N.Y. 2015); Deutsche Bank Trust Co. Americas v. Vitellas, 131 A.D.3d 52, 55, 13 N.Y.S.3d 163, 167 (2d Dept. 2015); In re Cornerstone Homes Inc. 544 B.R. 492 (Bankr. W.D.N.Y. 2015), aff’d, Arnold v. First Citizens National Bank (16-06012) (W.D.N.Y. Nov. 18, 2016); Merritt v. Bartholick, 36 N.Y. 44, 45 (1867); Aurora Loan Services LLC v. Taylor 25 N.Y.3d 355, 361 (2015); Nelson LP v. Jannance, 87 A.D.3d 731, 733 (2nd Dept. 2011); McArdle v. McGregor, 261 A.D.2d591, 591 (2nd Dept. 1999); and In re Zine 521 B.R. 31, 39 (Bankr. D. Mass. 2014).