Perez v. Campbell, 402 U.S. 637, 91 S.Ct. 170, 29 L.Ed. 2d 233 (1971); In re Holder, 356 B.R. 18 (Bankr. S.D. Tex. 2006), aff’d, 376 .R. 802 (S.D. Tex. 2007); In re Brown, 244 B.R. 62 (Bankr. D.N.J. 2000); Duffey v. Dollison, 734 F.3d 265 (6th Cir. 1984); In re Norton, 867 F.2d 313 (6th Cir. 1989); In re Geiger, 143 B.R. 30 (E.D. Pa. 1992), aff’d, 993 F.2d 224 (3d Cir. 1993).