Welcome to the forums! The BK will do the most harm. Sometimes lates do happen before filing. Which in some eyes of the creditors. It is expected. Thats why you filed. Too bad you couldnt get a PT job to pay the monthly fees and pay the lawyer sooner. But the lates will sting less in time. While the BK is really slow to recover. 60 day lates are a whole lot better than 90 or 120 day lates. 200 pts is a stretch though. But you will see a score boost once everything has updated to IIB and 0 balance. Wait until that happens before you start the rebuild. Dont rush it like some do. Its a 50/50 decision to pay to aviod lates on here. I go the late-free route. But some cases it just cant be done. But on the bright side. It will all be over with soon. You'll have that fresh start and the load will be off your back once anf for all. Best of luck man! Play it right and you can recover. Example below after 4yrs of rebuilding. It can be done. Just play the game right.