At MorrisRivers.com, we focus on serving credit-ready buyers who value quality vehicles, transparent

pricing, and a professional buying experience. We work with multiple trusted lenders, allowing us to

offer competitive auto loan rates designed for mid-prime to prime customers. This gives buyers

flexibility, fair terms, and financing options that match their credit profile.

Our dealership is built around competitive rates through several lenders, quality inspected vehicles,

honest and transparent financing, trade-in friendly solutions, and a customer-first experience built on

trust. If you have established credit, verified income, or a trade-in, you’ll appreciate the professionalism

and clarity we provide.

At MorrisRivers.com, we’re proud to serve Troy, Pike County, and Southeast Alabama with an elevated

approach to auto sales — focused on trust, quality, and long-term relationships

Bankruptcy Auto Financing Program

morrisrivers.com | C&H; Auto Sales

Rebuild Your Credit. Drive With Confidence. Start Fresh Today. At morrisrivers.com, we understand that life happens — and a bankruptcy does not define your future. For over 25 years, C&H; Auto Sales has helped clients after bankruptcy secure reliable transportation with real lenders, real warranties, and real solutions.

Who We Help

• Discharged Chapter 7 Bankruptcy

• Discharged Chapter 13 Bankruptcy

• Open Chapter 13 Bankruptcy (with trustee approval)

Why Choose morrisrivers.com After Bankruptcy?

• Over 25 years of post-bankruptcy financing experience

• Trusted relationships with national lenders and credit unions

• Not a Buy-Here Pay-Here dealership

• Market-based pricing within a 100-mile radius

• Every vehicle includes a 125-point inspection, servicing, and FREE Auto Check

• Low-mileage, like-new vehicles with remaining factory warranty when available

Discharged Bankruptcy Program – Our Most Popular

If your Chapter 7 or Chapter 13 bankruptcy has been discharged, you qualify for our Fresh Start Auto Financing Program. Benefits include competitive rates, low to no down payment options, newer vehicle availability, and faster approvals.

Open Chapter 13 Bankruptcy Program

Clients in an open Chapter 13 may qualify if trustee payments are current, trustee approval is obtained when required, vehicle pricing guidelines are met, and the vehicle is two years or older.

Smart Credit Rebuilding Tips

• Make all payments on or before the due date

• Budget carefully and avoid overextending

• Schedule payments early and try to stay one payment ahead

• Make small extra payments when possible

• Avoid payment extensions and always review statements

What to Avoid After Bankruptcy

• Buy-Here Pay-Here dealerships

• Used vehicle leasing programs

Your past does not define you.

Your next step does. Apply today at morrisrivers.com or contact C&H; Auto Sales to speak with a real person