im in debt with loans, paydayloans ,medical bills

When you say you're "trying to file chapter 7" does that mean you are handling it yourself without an attorney?  If so, that's a bad idea.  Bankruptcy is complicated enough.  Analysis of tax discharge in bankruptcy leaves even most bankruptcy attorneys confused.   Payday loans and medical bills are easy to deal with. You need to have a consultation with an experienced bankruptcy attorney in your area who can go over your situation fully and advise you on your options and what the best plan of attack is for you. Mark Markus has been practicing exclusively bankruptcy law in California since 1991.  He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization,  AV-Rated by martindale.com, and A+ rated by the Better Business Bureau.