Has anyone ever filed Chapter 7?

I am a renter, heavily in debt due to circumstances (illness and NO sick days at my place of employment) that led me to have very little income for awhile and a lot of expense. Now I find that I am in over my head in credit card debt, because I used them for all of my expenses such as medical bills, groceries, gas for my car, etc. I have NO extra money and can barely pay my bills. I have an appointment with an attorney to discuss filing Chapter 7 but from what I can read about it, it does not apply to renters or "regular" people.....it is more geared to business owners. If anyone can advise me, I would greatly appreciate it. Thanks so much.