The Waiting Periods Are 2, 4, 6 and 8 Years
If your prior case was a Chapter 13 bankruptcy case and your new case will be Chapter 13, then the waiting period is only two years.
If your prior case was a Chapter 7 bankruptcy case and your new case will be Chapter 13, then the waiting period is four years.
If your prior case was a Chapter 13 bankruptcy case and your new case will be Chapter 7, then the waiting period is six years.
This sounds like you have a more complicated case than you describe. Though the SOL is 6 yrs on a contract, there are other issues, such as tolling, for example, that may enter into the case. Provide some more details. What is the basis of the contract? How much does the controversy entail - will it be worth it to litigate? Feel free to email me more details and I'll be happy to give my opinion, provided you are in NY state, where I'm licensed to practice law. KonstLaw.com.
What is your interest in this matter? Are you one of the two people? Contact the utility company and dispute this if you are and try to negotiate a better deal for yourself. Also, you can contact third party suppliers, but recent studies have shown that you don't really save money.
I can tell you this. If you were caught shoplifting, an attorney to defend you will cost more in legal fees to defend. If the $150 will settle all criminal and civil charges, it 's well worth it. But I'd still have an attorney review any settlement to ensure this.