564 F.3d 1249 (2009) Elizabeth PICARD, Thomas E. Reynolds, as Trustee of the Bankruptcy Estate of Elizabeth Picard, Plaintiffs-Appellees-Cross-Appellants, v. CREDIT SOLUTIONS, INC., Defendant-Appellant-Cross-Appellee. No. 08-11104. United States Court of Appeals, Eleventh Circuit. April 6, 2009. *1251 Nicole Mapp Hardee, JAmes A. Harris, III, Harris & Harris, LLP, Birmingham, AL, Richard E. Hillary, II, Derek S. Witte, Miller Johnson, Grand Rapids, MI, for Credit Solutions, Inc. Michael H. Johnso..