If you had your commercial trailer repossessed several years ago, most likely it was sold at auction for less than what was owed on the loan. If that happened, you owe the difference plus accrued interest, towing fees, storage fees and auction fees most likely under the loan agreement that you have for it.I would contact the lender to see what the total amount owed is so that you can make an assessment as to what you can afford to pay or not. In the interim, I recommend that you consult with an attorney experienced in lender and automotive law about your situation.