LITTON LOAN SERVICING unlawfully charging me a p.m.i. in violation of the homeowners protection act of 1988. (collecting it and not paying it also collecting escrow shortage payments and increasing my monthly payments. houston, Texas

can someone please refer me to a lawyer in michigan for civil litigation against this company....please.  the homeowners protection act of 1988 clearly states that once 20% of a homes appraised value at the time of purchase is paid off then no p.m.i. is required. my p.m.i. is about 60$ a month.  They charge me pmi anyway although my home at the time of purchase was appraised and documented at over 20% more then I purchased it for.  the best part is they "according to their records they cannot find any information that they are paying a p.m.i. on my behalf" (because legally they can't) however they collect it every month.  Also every year i have a bill for escrow shortages wich I paid twice last year and now this year they are increasing my payments despite my escrow shortage payment in full.  I want to fire them.  Everytime i think o.k. just pay, its just a little money then they just try to pull more crap.  I have never had a late payment I own 3 other houses, only theirs is not paid off.  Can someone refer me to a finance company that i could re-finance through.  I dont have 3 maxed out credit cards and i paid off my car early and own 3 other homes free and clear so my credit is shaky I do not have any outstanding debts,  i pay things off and buy what i can afford not charge it yet that is why my credit score is lower than it should be-what is wrong with that picture....i was reading about a class action suit against litton that was won and the members won like 60$ each.....seriously did i missunderstand that?  surely I must have,  what was the law firms cut?  I just want free of them-loan company from hell.