In re Brown, 332 B.R. 562 (Bankr. N.D. Ill. 2005); In re Wetzel, 381 B.R. 247 (Bankr. E.D. Wis. 2008); In re Eckert, 485 B.R. 77 (Bankr. M.D. Pa. 2013); In re Arnold, 869 F.2d 240 (4th Cir. 1989).