Thank you , Xraider. I'm still procrastinating about what I want to do, but I'm getting closer to discussing PMI with an attorney. I made some piss-poor choices in my loans and expect to get very little money back. But not being an attorney, I'm just not smart enough to accept much at all of what P-----r tells me, particularly about not selling loans and not pursuing collections anywhere but California. They've had a Doctor of Collections on board for about 240 days, and the guy has accomplished exactly nothing as far as I can tell. I'm quite willing to "throw away" what I've given to borrowers and several dollars more to beat on PMI.
ETA: No intention to reflect on attorneys -- I'm probably gonna get another one soon.