Smith v. Me. Bureau of Revenue Servs. (In re Smith), 910 F.3d 576 (1st Cir. 2018); Rose v. Select Portfolio Servicing Inc., 945 F.3d 226 (5th Cir. 2019); Reswick v. Reswick (In re Reswick), 446 B.R. at 369 (B.A.P. 9th Cir. 2011).