I've read different posts about restoring information, but I'm unable to determine what steps I need to take. It's October 5 - we lost the HD on our Macbook beginning-mid September. I've installed a new HD and moved everything from our last TM backup in April (lesson learned

) using Migration Asst. A
very good friend spent 2 weeks recovering data from our damaged HD, which is now all place on the new HD.
Thanks to TM, CBP is here and at launch, I receive the message
"unable to locate your Accounts file. Your Accounts file could not be found in /users/NAME OF ORIGINAL USER/Library... Please choose a folder that contains an Account file." Option here is OK. When I navigate to locations that contain account files, everything is greyed. My only option then is to select or Quit - can't do anything in the CB menu, not even verify the version.
I have .cbaccounts (last dated 9/10/13) and .plist (last dated 6/2/13) in my dropbox, now in my documents folder. All of these are greyed out, so I'm unable to select. I located zipped files, last dated 4/11/13 in CURRENT USER/Library/Application Support/Splasm.../Checkbook2.
1. How do I get my data back into CBP??
2. What's the difference between .plist and .cbaccounts?
3. My new user name is SAMEUSERNAME1, as I was unable to set up the HD with the same name as the TM backup. Is that part of the problem?? I've tried accessing from ORIGINAL USERNAME, still a "user" but not the owner/primary, however that is set up.
4. I've thought all along that I would need to input about a month of transactions to get caught up... is that not the case??
Call me

"frustrated and confused"! My computer literacy isn't entry-level, but certainly not extensive and this is beyond me.
Step-by-step help is needed and would be very much appreciated!