Can I file chapter 7 and still keep my house that is paid for

That depends on the value of of your house, and what exemptions are available under applicable state law in your case.  If you have resided in Virginia for at least the last 2.5 years, then that would be Virginia's.  Virginia seems to have a $10,000 exemption for equity in a homestead.  $20,000 if you are over 65 years old.  Thus, if your house is worth more than that, it could be sold by the Trustee in a Chapter 7 case. You need to have a consultation with a bankruptcy attorney in your area to analyze your options and determine the costs and benefits of each.