Nthawi yomweyo pakusungidwa kwa bankirapuse pali chitetezo kwakanthawi chomwe chimakhazikitsidwa motsutsana ndi kusonkhanitsa ngongole zilizonse zomwe zimatchedwa "Automatic Stay". The Automatic Stay idapangidwa kuti ipatse wobwereketsa kamphindi kuti apume komanso kusunga katundu aliyense kuti atsekedwe ndi Trustee. Chifukwa chake, mukangopereka pempho loti bankirapuse, kuyesa konse kukongoletsa cheke, kutseka ntchito, kuyimitsa laisensi yoyendetsa, kapena kugulitsa nyumba kwa Sheriff, ziyenera kutha zokha. Pali zilango kwa omwe ali ndi ngongole omwe amatolera panthawi yomwe amakhala, kuphatikizapo zowawa kwambiri ngati wobwereketsayo ali ndi chidziwitso chenicheni cha bankirapuse.
The Automatic Stay kenaka imasinthidwa ndi "Order of Discharge" kumapeto kwa mlandu wanu. The Order of Discharge ndi lamulo lokhazikika kwa wobwereketsa kuti atengere ngongoleyo. Ngongoleyi ikadalipo, ndipo ikhoza kuwonekera pa lipoti lanu la ngongole ngati "kuchotsedwa," koma wobwereketsa sangathe kusonkhanitsanso ngongoleyo.