RMS my reverse mortgage servicer sent me a letter stating that I had to get credit counseling. Which I did with XXXX XXXX XXXX. They faxed my budget over to RMS and said I qualified for a payment plan for my taxes. They said they would sent me a payment plan and coupons. They never did and the next thing I received was a letter from a lawyer saying he was retained to initiate foreclosure proceedings. 
