I'm usually pretty good at answering money questions for my friends but this one has me stumped. First, a little background
A few years ago, a friend of mine had great credit (low balances, great payment history etc.). In 2015, he took a commission only job and burned through his savings to the point that he started living on debt. He was told it was normal the first year in the business so he kept going. Finally, in March of this year, he had some fairly significant setbacks and declared Chapter 7 bankruptcy
One of his accounts was in relatively good standing. He made payments to them and enjoyed some of the benefits they offered him. His lawyer advised him to stop paying everything so he did and the account (a credit card) was discharged with the rest of his debt.
His question is: at what point can he establish a new relationship with this creditor?