My question involves an auto loan or repossession in the State of: Kentucky

Back in 2004 we had our car repossessed. We never heard anymore from the
auto loan company, we were assuming since they got their property back,
it was settled. Now four years later we get correspondence from a lawyer stating that we owe $8000, which includes fees and interest. We never received any kind of correspondence the fees or interest was acruing,
can they just suddenly do this after four years without letting us know.
My wife talked to the lawyers and they said we needed to pay $320
for 3 years. We have two young sons and have a hard time making ends
meet there is no way we can afford this on a car, that would be junked by now. It was close to 100,000 miles when it was repossessed.