Well drilling and servicing fluids for use in producing formations and methods of removing filter cake therefrom are provided. The methods basically comprise using a drilling or servicing fluid comprised of water, a density increasing water soluble salt, a fluid loss control agent, a hydratable polymer solid suspending agent and a particulate solid bridging agent which is soluble in an aqueous ammonium salt solution. Thereafter, the filter cake deposited by the drilling or servicing fluid is contacted with a clean-up solution comprised of water and an ammonium salt for a period of time such that the bridging agent is dissolved thereby.