Search the Internet for credit counseling in Michigan, and a bewildering array of options comes back: bankruptcy attorneys, nonprofit organizations, faith-based groups—even a site that plugs ways to avoid credit counseling. Lois Golden of Rochester Hills decided to try credit counseling. A single homeowner with a daughter in college, she lost her job two years ago. After a decade of fighting with a bank over a high-interest credit-card debt, she turned to the state of Michigan’s Web site for … [Read more...]