Whaley v. Guillen (In re Guillen), 972 F.3d 1221 (11th Cir. 2020); Bullard v. Blue Hills Bank, 575 U.S. 496, 135 S. Ct. 1686, 1692, 191 L. Ed. 2d 621 (2015); Hope v. Acorn Fin., Inc., 731 F.3d 1189 (11th Cir. 2013); Universal Am. Mort. Co. v. Bateman (In re Bateman), 331 F.3d 821 (11th Cir. 2003).