A method of removing calcium-containing water-based filter cake from a wellbore involving contacting the calcium-containing filter cake with a biodegradable acid solution of water, hydrochloric acid, formic acid, citric acid, and a surfactant. The method is performed at a pressure of 200 to 400 psi and a temperature of 50 to 125° C. The method removes calcium-containing filter cake made of water, calcium carbonate, a polymer or starch and a clay. The method meets industry standard steel corrosion rates of less than 0.049 lb/ft2 per day. Also disclosed is a biodegradable acid solution of water, hydrochloric acid, formic acid, citric acid, and a surfactant that meets OECD 301B thresholds for ready biodegradability.