Article: CHAPTER 12 PUTTING THE CLAMPS ON FARM LOANS

THIS ELECTRONIC VERSION MAY DIFFER SLIGHTLY FROM THE PRINTED VERSION. Agribusiness

Chapter 12, the bankruptcy provision created for cash-strapped farmers on Nov. 26, 1986, was supposed to have given them another option. Instead, farm lenders say Chapter 12 may be doing the opposite.

Agricultural lenders say Chapter 12 has caused long-term loans for land to virtually disappear, and short- and intermediate-term loans are now more difficult to obtain.

In Northwest Indiana, the average long-term loan for land is about $100,000; the average short-term loan, for equipment and building construction, is about $90,000. That means farmers must borrow more money than ever before, and it's harder to ...

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