In re Schwartz 954 F.2d 569, (9th Cir. 1992)., In Re Alexander, 2015 Bankr. LEXIS 2947 (Bankr. W.D. Tex. September 1, 2015), In re Lucio 251 B.R. 705, 707 (Bankr. W.D. Tex., Aug, 2000). In re Peterson, 897 F.2d 935 (8th Cir. 1990).