In re Farmer, 786 F.2d 618 (4th Cir. 1986); Marshall v. Demos, 57 F.3d 1037 (11th Cir. 1995); Brady v. McAllister, 101 F.3d 1165 (6th Cir. 1996); In re Owen-Moore, 435 B.R. 685 (Bankr. S.D. Cal. 2010).