[PUBLISH] In the United States Court of Appeals For the Eleventh Circuit

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No. 21-13879 ____________________

GARY WALTERS, Plaintiff-Appellant, versus FAST AC, LLC, Florida limited liability company, FTL CAPITAL PARTNERS, LLC, foreign limited liability company, d.b.a. FTL Capital Finance,

Defendants-Appellees.

____________________ USCA11 Case: 21-13879 Document: 50-1 Date Filed: 02/06/2023 Page: 2 of 18

2 Opinion of the Court 21-13879

Appeal from the United States District Court for the Middle District of Florida D.C. Docket No. 2:19-cv-00070-JLB-MRM ____________________

Before LAGOA, BRASHER, an