Pakangofayerwa kubhuroka pane dziviriro yechinguvana inoiswa pakuunganidzwa kwechero zvikwereti zvinodaidzwa kuti "Automatic Stay". Iyo Otomatiki Kugara yakagadzirirwa kupa mukwereti nguva yekufema uye kuchengetedza chero zvinhu kuti zvibviswe neTrasti. Naizvozvo, kana wangoisa chikumbiro chekubhuroka, kuyedza kwese kushongedza mubhadharo, kudzima sevhisi, kumisa rezinesi rekutyaira, kana kuitisa Sheriff's Sale paimba, zvinofanirwa kungomira. Pane zvirango zvevakweretesi vanounganidza panguva yekugara otomatiki, kusanganisira zvakanyanya mhedzisiro kana mukweretesi aine ruzivo chairwo rwekubhuroka.
Iyo Automatic Stay inozotsiviwa ne "Order of Discharge" pakupera kwenyaya yako. The Order of Discharge murairo usingagumi kune chikamu chemukweretesi kuti ambotora pane chikwereti. Chikwereti ichi chiripo, uye chinogona kuratidzira pamushumo wako wechikwereti se "kusunungurwa," asi uyo ane chikwereti haakwanisi kuunganidza pane chikwereti ichocho zvakare.