FAIRVIEW, N.J. – For five years, immigrant day laborer Leo Chamale wired money twice a month from New Jersey to his family in Guatemala. Recently, he stepped up to the money transfer window for a different purpose — to ask that his family send some of his savings back to him. "I hadn't worked for five months, and I was two months behind on rent, so I had them send $1,500," the 21-year-old Chamale said in Spanish. "My mother said, `That's a lot of money!'" With the U.S. economy in a ditch, money transfer agencies have been reporting a decline...