California bankruptcy laws allow you to select between two separate sets of exemptions filed under section 7 or 13.

In chapter 7 immunity protect your possession while in chapter 13 it helps you decide how much you need to pay to unsecured creditors.

Benefit of chapter 7 bankruptcy law:-

• After the release of the bankruptcy it helps you start fresh

• Wages earned by a person and property owned are considered his after the filling of the case

• Within 3-6 months the case is fully set free

Plus and gains of chapter 13 bankruptcy law:-

• If you can afford to repay the full payment then all your property are free from repaying

• You can file chapter 13 anytime you feel like

• You can even divide your creditors as per their class and pay them diverse percentages.