PONTIAC, Mich. -- The lowest point in Lawanda Madden's life came in February, when she woke up on the floor of her friend's run-down house in this city battered by recession. She was shivering with cold. She remembers turning to her 8-year-old son, Jovon, and thinking: "How did this happen to us? How did we become homeless?"
Only 15 months before, Madden, 39, had a $35,000-a-year job, a two-bedroom apartment and a car. She was far from rich, but she could treat Jovon to the movies. She occasionally visited her sister in Chicago and bowled in a local league. She dreamed of going to law school. Then she was laid off and lost everything.
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