of the bankruptcy estate. He maintains that this claim was not part of his bankruptcy estate because it arose in October 2009, after he filed his bankruptcy petition and after BAC acquired the Countrywide entities. The October 2009 request to modify his mortgage loan was part of Mr. Clement-son’s ongoing campaign to keep his home from foreclosure and to arrange a suitable mortgage loan. We determine that this cause of action “is sufficiently rooted in the pre-bankruptcy past and so little entangled with the bankrupt[’s] ability to make an unencumbered fresh start” that it was properly considered part of the bankruptcy estate. Segal v. Rochelle, 382 U.S. 375, 380, 86 S.Ct. 511, 15 L.Ed.2d 428 (1966); see also Parks v. Dittmar (In re Dittmar), 618 F.3d 1199, 1209-10 (10th Cir.2010) (<HOLDING>). Accordingly, we conclude that the district
holding that pay on death accounts were not part of the bankruptcy estate under  541 because under kansas law debtor had no property interest in the accounts until the death of the owner holding contingent prepetition property rights were sufficiently rooted in the prebankruptcy past to be part of the bankruptcy estate under 11 usc  541 holding that causes of action for age and sex discrimination that arose prepetition were property of the bankruptcy estate holding postpetition payments under a prebankruptcy noncompete agreement the debtor entered in connection with the sale of a business in which the debtor was a part owner were sufficiently rooted in the debtors prebankruptcy past that they belonged to the estate where the noncompete agreement was an integral part of the sale holding the losscarryback refund claims were sufficiently rooted in the prebankruptcy past and so little entangled with the bankrupts ability to make an unencumbered fresh start that they should be regarded as property under  70a5 of the bankruptcy act