Carlson v. U.S. Bank Home Mortg., 2012 WL 6861333 (D. Minn. Dec. 7, 2012), adopted by Carlson v. Gittleman Mgmt. Corp., 2013 WL 159921 (D. Minn. Jan. 15, 2013), aff’d, 545 Fed. Appx. 594 (8th Cir. 2013).