Hello, welcome to fishlore.
whenever you hear the words "bio-filter" you are hearing about the nitrogen cycle. they nitrogen cycle are a series of chemical changes, and the establishment of good bacterial colonies that must happen in your tank in order for your fish to live.
this is the link to the large explanation,
http://www.fishlore.com/NitrogenCycle.htm but i'll make it short for you.
Fish produces poop which converts to ammonia. ammonia is lethal to fish. as ammonia rises there will be a bacterial colony developing which will convert it to nitrite. Nitrite is also deadly to fish. As nitrite rises ammonia will fall to 0. Then, nitrite will start falling as another type of bacteria colonizes the tank's surfaces (and MECHANICAL filter media) converting it to nitrate. Nitrate isnt damaging to fish as long as it stays under 20ppm.
This whole proccess takes anywhere from 2 weeks to 2 months... (even heard cases in which it took longer). Some people take some "disposable" fish, put it in the tank and let them poop to complete the cycle. I (as well as most of the forum members) prefer the "fishless" method which consists on adding pure ammonia drops into an empty tank until it cycles. We prefer this method since it is more humane and no fish is harmed in the proccess.
Now, if like you, have fish in the tank and are currently undergoing the cycling proccess (the establishing of the bio-filter or good bacteria). you need to do daily 50% water changes (preferibly with a water conditioner called Prime) until your tank water tests 0 for ammonia and 0 for nitrites with some nitrates showing.
The most accurate test kit is the Master Test Kit by Aquarium Pharmaceuticals.
And yes, Most of the good bacteria lives in the filter of your tank... if you change it, you will be left pretty much like in the begining.
Good luck!
-Alessa