I had filed BK back in late '94. Was a bit surprised to see that a large medical bill (hospital) that was *supposed* to be included in the BK is listed as a separate civil claim judgment 11/94. (The BK was filed in 12/94, although the legal services had all my paperwork months ahead of that time. I was such a physical/emotional wreck at the time, god only knows what might have gone on.) With the civil claim listed separately, it drops off my record in 11/2001. The BK is on until 12/2004. What, if anything, should I do here? Am I better off just waiting for the civil claim to drop off? Is there a possibility of challenging the BK? I was delighted to see that most of my negatives drop off by 12/2001 at the latest. My main goal is to clean up my credit, scrounge up a down payment for a house (I realize these things take time)and get out of a bad living situation & have a place of my own at long last. Any advice will be very much appreciated. I'm so glad I found this board--I was beginning to think I was all alone with problems like these!