When I had my 98 Camaro, Mercantile bank changed to whatever it changed to before it became USBank, and they began sending me delinquency notices for $0. I made my payment for 2 months and each month they sent me a notice saying I owed them exactly $0.
One night I hear something in the parents' driveway. Go out and there's a towtruck starting to pull up behind the car. I nonchalantly walked out and pulled the car into the garage and finally decided to call to straighten everything out the next morning. Got quite a laugh from the lady that I talked to at the bank. Last time I ever dealt with that chain of banks.
I was just lucky to catch that [censored] before it got hauled away and I was stuck with impound fees.
Yes cars can be replaced but credit can be a bit*% to clean up.