bk will not really hurt your fico if your fico was bad to begin with.
but as most people here say, the older the baddies get, the less hurtful they become. also, don't hesitate to challenge items in your reports..especially collections....those are perhaps the most hurtful to your score and most likely, they don't bother validating if they have been included in the bk. check for duplicate entries that are baddies. and if you file again and start over, start rebuilding as soon as the discharge comes.