Collection issue that is 15 years old

This is a complicated question so I apologize upfront. My husband and I were attempting to refinance our home. In the process we were informed by our bank that there has been a lien filed against our home from a debt from a vehicle that was repossessed in 1997. I bought a vehicle in 1996 that was a lemon. I tried to get out of the contract due to how many repairs I had to make but the car dealership went out of business. After multiple repairs, two blown engines and a blown transmission, I could no longer afford to keep the vehicle and I called the finance company to come and get it. The vehicle was sold at auction and at that time I was laid off from my job, I unfortunately defaulted on the remainder of my loan and this was reflected on my credit as a charge off from 1997 to 2004. In the meantime, I have just found out that a lien was put on my home for this debt. I do not have an issue with paying what I agreed to pay what I have an issue about is the following. The court actions that have been taken were filed in a county where I do not reside. I was never served on any of this and I had no way of representing myself and all the circumstances that resulted in this matter. Additionally, the finance company that I tried to communicate with when I could repay what I owed went out of business, my account was sold to now four different collection agencies with now the last collection agency not having any record of this. My escrow company has provided me information on the attorney they have on record with this lien however both the escrow company and I are not getting a return call from this gentleman. And lastly, the amount of money indicated on the superior court documents indicates that I have been charged a 20% interest rate on the amount owed from the date the vehicle was collected. I would like to take care of this issue however it is hard to do when you do not even know who to contact or receive a return call from someone on record. Do I have any rights under the statute of limitations, under jurisdiction or under the fact that I was never informed of the legal actions taken? Additionally, the Superior court indicates that there is a time frame in which a person can appeal a decision, that time frame has long passed. I am unsure of what to do at this point. Thank you for any assistance you can provide in this matter!