Have a cold, started in nose, than throat now chest. stuffy nose, productive cough, laryngitis. is this bronchitis? when do you need to go to the dr?

Viral syndrome : It sounds like you initially had an upper respiratory viral illness which then became a lower respiratory viral illness. If the duration of symptoms is beyond 10 days and you're getting worse, then it is likely that it has become a bacterial infection which likely needs antibiotics. If it had been less than 10 days, then you would continue doing conservative measures at home and see if it clears.