Real Estate Law
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This isn't something that is a law, as in a statute enacted by the state, that requires this that I can locate. But it could be part of your mortgage agreement with the lender that if they ended up paying the delinquent taxes X number of times, then you agreed to have them set up an escrow account for you where you pay a little more on your payment each month to build up a surplus to pay the property taxes.
But if it were me, I would ask them to show you where in your mortgage agreement you agreed to this or where under state law it mandates it.. If they can't show you something in writing that you agreed to or is state law, they are just bluffing you and want you to agree to allow them to set up an escrow account to protect their interests.