The Court approved a Reaffirmation Agreement concerning an automobile purchase contract under 11 U.S.C. §524(c)(6)(A) despite the presumption in 11 U.S.C. § 524(b)(1) because debtor (1) has access to other financial resources in addition to her income, (2) is able to work more hours and increase her income, (3) has significant equity in her car which she created by her apparently voluntary payment prior to bankruptcy, and (4) is determined to keep the car and do what is necessary to do so and simultaneously provide for her family.