How to fing out if a judgement, taken off your credit report

I know I am revealing my ignorance, but wanted to know if a judgement has been taken off your credit report, has it been expunged from legal proceedings.
Going through a refinance with a descent credit report, because judgement were taken off credit report, but apparently are still
in courthouse.  The bank I am refinancing says they are still in courthouse and must be paid.  Its been over 7 years, but they say that they are
their for 20 years.  Do I have any recourse in negotiating these judgments? 
Previously debt letters were sent to these 2 companies and their represented law firms with the 30 day response forms.  Evidently they stopped
these things from credit cards, but are still in court?
What recourse do I have if any in negotiating these down.  Is the bank trying to take me to the cleaners?

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this is a question i refer you to the credit repair group on yahoo
I am not sure?
I do know that judgements are just that judements and they have to be paid
I am not sure how to bank found it if, it is not on your credit report
nor am I sure if the bank is trying to take you to the cleaners
it sort of sounds like though
http://finance.groups.yahoo.com/group/credit-repair/

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