Well, first of all, you have to remember that newer areas have newer and better phone lines. If you are in a rural area, your phone lines are going to be bad.
These horrible speeds are not your fault at all. It may be bad phone lines. It may also be that the phone company is switching from analog to digital too many times. Generally, it's analog from your phone to their station, then it's turned digital and sent through until it hits the station closest to the reciever, where it is turned back to analog. If it is switched any more than that, you will get a very lousy signal, kinda like what you are getting.
It may also be the lines in your house. If they are near sources of EMI (electro-magnetic interference), ie: power cables, flourescent lighting, etc. This is usually bad planning when installing the cables in the house.
If you know what you are doing, try moving your computer to the POP and run a fresh line to the computer. If you don't, try using a different phone jack somewhere else in the house.