ed1581,
Welcome to the Forum. When it can't handle a load, there is usually something up with the carb.
Float needs adjusting, debris in the carb, or you may have a restriction somewhere in the gas line or gas cap. Check to make sure your air filter is clean, but the backfiring and chugging seems to be more carb related. I would suggest taking the carb off and giving it a good cleaning/soaking in some carb cleaner and definitely check out the float. Also, some gas additive in the tank never hurts, like Seafoam. You can get parts through this forum's moderator (see link at top of the forum page) or there are other online places.
Any place that services small engines should be able to work on them, although most don't even know that Yamaha made a lawn tractor!!
Rattosh51
YT6800