Mof52018

Hello, I was trying to find out some type of understanding on repossessed vehicles in the state of Virginia. I would like to ask is it legal for a loan company to charge interest on a repossessed auto loan that has been written off as uncollectable? I had a bad health situation last year and we lost our main car. I remember receiving one notice stating that I owed like $5000 but now on my credit it is stating that I owe like $22,000. The vehicle was sold last year in November at a repo auction. It was a new model vehicle in excellent condition and the loan balance at the time of repo was $24000. It doesn’t make since for me to owe $22000 on an auto that was sold for around $15000. Can someone please help me understand this? The loan company was Santander. I live in Virginia and I think they keep pumping up the balance to try and hurt me.