On XX/XX/XXXX a Mortgage contract was entered between my self and XXXX XXXX XXXX, using an XXXX conventional loan. All loan contract paperwork dated for XX/XX/XXXX have no disclosure of or state " NO '' PMI/MMI/LPMI insurance. 
XX/XX/XXXX the home was lost to foreclosure to which XXXX XXXX filed a claim to XXXX XXXX for the amount of {$50000.00}. 
After which XXXX XXXX secured a default judgment against me for just over {$56000.00}. After reviewing my mortgage documents, Truth and Lending documents and Good Faith estimates, all documents state No PMI or LPMI is attached to the loan. I have contacted XXXX and they stated that LPMI was added to the loan XXXX days after closing. According to 12 U.S.C 4905 Home owners protection act and the Truth In Lending Disclosure acts, the original contract and the collection from XXXX is illegal, however I can not find a lawyer who has any background on a mortgage company not disclosing LPMI nor adding it after closing. 
