Hello everyone I am new to the site and the cruel world of bills. I am having a horrible time withchase. I submitted modification papers to chase march 09 and just received a fedex package with modification agreement. (aug 09). They did not do anything. My interest dropped one percent and a the payment $40 dollars. I have called numerous times and they just tell me that i have a USDA farmers loan and this is the only terms that the lender is offering. How can this be? Obama says it should be 31% of your income. I have tried to find info on FmHA loans and it is impossible. Does anyone else have this kind of loan?