The Court denied CitiFinancial’s motion to approve a reaffirmation agreement. Counsel for the debtors was unwilling to sign the certification form because of the significant difference between the value of the vehicle and the amount to be reaffirmed.  Even though no actual negotiation occurred with regard to the agreement, the Court found that the debtors were represented by counsel in connection with the signing of the agreement.  Therefore, the Court held that it was not authorized to step in when no presumption of undue hardship existed and the debtors were represented by counsel.