Second mortgage hasn't been paid since around 2009. Currently owned by SLS. Have called and been denied any type of modification, etc. House is currently for sell, requested a payoff quote and it shows over $60,000 on a $66,000 loan. The original interest rate is 9.xx, they are charging 16.xx. Anything I can do to reduce payoff amount? Is that amount of interest normal and any way around it?