I included citi-financial in my bankruptcy. They entered a charge off on their part and it is listed on my credit report. They hired a lawyer which he put out a judgement and that is currently is on my credit report also. It seems to me that citi-financial did double jeapardy on me. Is that legal? Both the lawyer they hired and citi-financial were listed on my bankruptcy. I live in Utah. How can I clear up this judgement from the lawyer they hired? I declared bankruptcy in 2004