In re Taylor, 3 F.3d 1512, 1516 (11th Cir. 1993); Failla v. CitiBank, N.A., 542 B.R. 606 (S.D. Fla. 2015); In re White, 487 F.3d 199, 205 (4th Cir. 2007); In re Pratt, 462 F.3d 14, 18–19 (1st Cir. 2006); In re Metzler, 530 B.R. 894, 899 (Bankr. M.D. Fla. 2015); In re Kourogenis, 539 B.R. 625, 630 (Bankr. S.D. Fla. 2015); In re Lapeyre, 544 B.R. 719, 723 (Bankr. S.D. Fla. 2016); In re Guerra, 544 B.R. 707, 710 (Bankr. M.D. Fla. 2016).