Open Question: What is a Payday Loan and its advantages?

Open Question: What is a Payday Loan and its advantages?
Can anyone give a detailed explanation about payday loans and its advantages?
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Open Question: I need help with a Car Title Loan.?
I have a title loan in the amount of $1900. The payments are $459 every month. I closed my bank account due to some other payday loans before my first payment was due. I contacted the company via phone (left message) and email on several occassions asking them to contact me regarding my account and letting them know that I had to close my account and I wanted an address I could send a money order to for my payment. Needless to say, I never received a call or email back until my payment did not go through. I have since sent numerous emails and made several phone calls returning messages (I can't take calls at work) with no luck or help from anyone. I received a response letting me know that I owed $918 not $459. They are now saying that I have to pay $459 every 2 weeks, not every month. I don't see this anywhere on the contract that I signed. I have done some research on these types of loans and know that they are bad. I just don't want my car to be repossessed. I have some money to pay them, but not all of it and I would like some legal advice on how I can make arrangements to pay them and not lose my car.
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