Paying off the Debts (1/2)

A simple, standard plot premise: A desperate single mother has only one option left to pay off her debts. Part 1/2.

Emily looked at the notification SMS on her phone and sighed hopelessly. She knew her debt was overdue, but she simply had no money right now. Treating their recent flu and paying for the daughters’ extra classes had eaten up all her reserves. And the creditor was about to knock on her door. It’s not going to be an easy conversation.

She heard the knock and went to open the door. At least the girls are still at school, they won’t see the scene…

That was Clark, a handsome, serious man about five years her senior. He usually tried to be nice, even when her payments were overdue, but that did not stop him from being strict.

“Hi Clark,” Emily said gloomily. “Please come in.”

She let him into the small living room.

“Hello, Emily,” he said dryly. “Your payment is overdue.”

He pulled a piece of paper out of his briefcase, handed it to her and waited quietly for her reaction.

Emily checked the balance line and jumped – about $5,000! That was too much! And the interest grew… She would never be able to pay back such a large amount. She sobbed.

“I know. I know… Please wait a little. I’ll be paid in a week, and most of my payment will be yours…”

Clark raised his eyebrows.

“Most of it? What do you mean ‘most’?”

Emily sobbed again and waved her hand vaguely.

“Oh, you know… We still have to eat at least… And the girls’ education is not cheap… But everything else is yours, that’s the bigger part.”

“Sorry, Emily, I can’t take it,” Clark said firmly. “It won’t even cover half of what you owe. We’ve already given you the grace period. And your debt is still growing faster than you can pay it off.”

Emily just shrugged helplessly and covered her face. Tears ran down her cheeks.

“I have nothing more…”

Clark paused for a moment, then spoke again.

“Listen, Emily. If you don’t repay your loan in full in a month, we will take your apartment and send you and the girls to a homeless shelter. You understand this yourself, there’s nothing left.”

Emily gasped in fear. A homeless shelter?! What kind of people were they? Why did she take out this loan in the first place?..

“Maybe… Maybe… Maybe there’s still something I can do to keep my home?”

“There is,” he smiled for the first time. “I could write off a part of your debt, so that the rest will be manageable again. You’ll have to pay for it now… well, I guess you’ve seen that in the movies.”

Emily frowned, confused.

“What do you mean?”

Clark grinned wider.

“Sex, of course. Have sex with me, right here, right now. I accept that currency.”

“What?!” she exclaimed, surprised. “Are you serious?”

“Very serious,” he nodded. “Or maybe you prefer homelessness after all?”

Emily shivered, she really did not want to lose her home. She lowered her head thoughtfully.

“Um… This is quite unexpected… You know, I haven’t had sex in years…”

Clark grinned. “So you can close that gap today as well. Looks like a win-win to me.”

Emily blushed.

“Okay… Fine…”

Clark undressed confidently, put his clothes on the chair and approached her in his underwear.

“Take off your dress. I could help you unbutton.”

Emily obediently took off her floral summer dress and stood in front of him in her white panties and bra. Clark admired her beautiful body.

“Nice… Now panties and bra.”

Emily bit her lip and hesitated. She wasn’t used to being naked in front of strangers.

“Come on, hurry up. I can’t wait here all day! Just think of the amount of debt you are going to pay in ten minutes!”

She nodded tensely, undressed naked and stood before him, blushing and not daring to raise her eyes. Clark shamelessly examined her body and grinned.

“Not bad… Nice boobs and pussy. Lie down on the mattress.”

Emily obediently lay down on the soft surface, covering herself with her hands, and spread her legs wide apart.

“Move your arms away,” he ordered sternly. “Show me everything.”

Emily reluctantly obeyed, feeling exposed and vulnerable. He moved closer and leaned forward, pulling off his boxers. What now, she thought? Blow him? She sat down and reached for his already hard cock.

“Oh, don’t worry!” Clark grinned. “I’d rather finish twice in your pussy!”

Emily obediently laid back, closing her eyes.

“Do whatever you want.”

He spread her legs wider, climbed between her thighs, positioned himself comfortably and thrust sharply.

She moaned quietly, opened her eyes and looked at him. His muscular body and tanned skin were surprisingly pleasant. He noticed her glance, grinned and fucked harder. Emily moaned louder, his movements were strong and… pleasurable?.. Her pussy tightened, and she felt her own juice flowing more and more. Against her will, her crotch started twitching in unison with his moves.

“Ohhhh!” she groaned loudly. “Ohhhh! Mmm…”

He accelerated further, she felt his strong pushes deep inside and began to cum.

“Ohhhh! Ohhhh! Aaahhhh!”

He grinned smugly and fucked harder. Emily screamed and grabbed his shoulders with her hands, pressing his body against hers. He came with a muffled growl, emptying into her womb.

When his cock finished pumping cum into her, she finally released him from her embrace and relaxed.

“Hold on,” he laughed and pulled out. “I’ll be back in a few minutes.” And he leaned against her, kissing her lips demandingly. Surprising herself, she returned the kiss and hugged his shoulders. She had almost forgotten how good sex could be!

He broke the kiss and stood on his knees, fully erect again.

“Are you ready for another round?” he grinned and pulled her body toward him. “Turn around. Get down on all fours.”

She obeyed. He spread her buttocks apart, aimed and pushed forward roughly. Emily screamed in surprise and pain, and arched her spine, moving her ass to adjust to his height. He grinned, squeezed her buttocks tighter and accelerated sharply.

“Ahhh! Ahhh!” she groaned loudly and moved her hips rhythmically to meet his thrusts. He fucked even faster, and she squealed with pleasure. “Ohhh! Ohhh! Mmm!”

He leaned forward, wrapped his arms around her waist and accelerated sharply, fucking hard and fast. She howled with pleasure as he fucked her relentlessly. She orgasmed within seconds. He accelerated even more, moaning loudly, and came in her rectum.

“Oh…” he said and pulled out, watching her limp body still twitching in orgasmic spasms. “Nice.”

He stood up and started to get dressed.

“Your debt is now just $3000. And you now know how to pay overdue bills if you need to.”

He chuckled and walked out, leaving her behind.

Emily stared after him with a dazed look. Her pussy throbbed. She sighed heavily. How did it all happen?..

Emily got up and washed herself, then cooked lunch for Liz and Chloe, who would return from school soon.

The girls arrived in high spirits and sat down at the table, hungrily eating sandwiches. Emily watched them happily and thought. When will she miss another payment deadline? And how would she feel then?

***

The next case came too soon. Emily was doing well, saving enough money to finally start paying down her debt, when the bathroom plumbing broke. She spent everything she had to fix it as soon as possible, and was glad the leak was contained before it flooded the neighbors below. She would never be able to pay for the repairs.

So when Clark called her the night before payday, she just sobbed into the phone.

“Okay,” she almost heard him grin. “Wait for me. I’ll be there in half an hour.”

“What? Wait… The girls are home… You can’t…”

“Tell them to wait in the kitchen.”

“But… But they will hear everything… What would they think?”

“Then explain them. You have twenty-five minutes to find the words.”

And he disconnected. Emily looked down at the phone, then took a breath.

“Liz, Chloe, please come closer. I have something to explain…”

They approached and leaned against her, looking into her eyes.

“I… I have to see Mr. Clark soon… About our debts… We are short of money again.”

To her surprise, they understood immediately what she meant.

“Will you… Will he…” Liz asked uncertainly.

Emily nodded silently. Chloe hugged her.

“Mommy, we’re sorry you have to do this.”

Liz hugged her too.

“Is there anything we can do to help?”

Emily shook her head and patted the girls on the shoulder.

“You can help me by waiting in the kitchen while Clark comes. And stay there no matter what you hear. Okay?”

They nodded.

“Yes, Mommy,” they answered together and headed for the kitchen.

***

Clark did not come alone, but with three other men.

“Hi,” he smiled. “You look wonderful! Get naked, dear.”

She stepped back.

“But… Who are these men? I was expecting only you…”

They bowed, and smiled, and took off their coats. She could see their pants bulging from the front.

“I just thought you’d like to enjoy more sex than I could give you alone. About four times more.”

“N-no…” she sobbed, unbuttoning her home dress with trembling fingers.

“Don’t worry,” he smiled encouragingly. “These guys are great. You’ll learn to love them. Take off your underwear. Take everything off.”

Emily sobbed again and removed her bra, then knelt down and slowly pulled down her panties. Clark studied her naked body, turned to the newcomers and pointed at her.

“See? Look at that sweet body. I told you she is a sweetheart!”

They whistled in agreement and unbuckled their belts.

She lay on her back, shaking with fear… and… excitement? No. No. She can’t be excited by this mistreatment…

“There are more of us than there are holes in you,” Clark said. “So it would be nice if you could help us out with your mouth.”

She sucked in a breath through her teeth, then obediently opened her lips as wide as she could, and at the same time felt someone’s hard cock already seeking entry into her bottom hole.

“Open wider,” Clark demanded sternly, grabbing her hair and pushing his dick deeper into her throat. “Relax and take it all in. Move your tongue, suck and caress. Try not to bite or hurt anyone.”

Emily obediently tried to relax her muscles and open her throat wider. She breathed in the smell of Clark’s groin and felt someone’s cock begin to move inside her pussy, accelerating and thrusting hard.

She moaned loudly and sucked his dick to the base.

“Ohhh… Yesss… Yes, baby… You are great…” Clark moaned.

And Emily felt the pleasure building from another man’s strong thrusts, her vagina contracting against her will… She wanted to cum…

She moaned louder and sucked Clark even harder, licking and biting the tip of his cock with her lips, and the guy growled in response and pushed hard into her throat, then suddenly jerked and emptied into her mouth. Emily tried to swallow, but she couldn’t keep up, and some of the cum dripped from the corners of her mouth. She licked the rest off her lips.

“Yesss!” Clark hissed, smiling broadly. “Yesss! You are the best, Emily!”

He pulled away and kissed her. She moaned loudly in orgasm as the man between her thighs finished in her pussy.

“Now don’t make us come with your mouth. That’s for your bottom holes. Just keep us hard.”

Clark stood up, waiting for his erection to return, and two more men took positions, one at her mouth and another in her anus. Emily cried out softly as he entered her ass, and she obediently began to kiss and lick the head of another man’s cock.

She could not remember the next forty minutes exactly. Emily was fucked in every position, in every hole. She lost count of how many times she came and how many times she was filled with male cum. Finally Clark approached her again, thrust his penis into her pussy and whispered in her ear:

“Cum now, baby, cum with me!”

Emily moaned loudly and orgasmed instantly, wrapping her arms and legs tightly around his body and screaming loudly. She felt him explode in her belly, filling her with hot cum. He kissed her.

“Your debt is only $3000 again, my dear. I hope you pay it off in time.”

They dressed and left.

Liz and Chloe ran out of the kitchen and hugged their mother, naked, covered in sperm, and still shaking from recent orgasms.

“Mommy! Are you okay?!”

Emily smiled happily and stroked their heads.

“Yes, girls. Everything is fine. It seems… It seems… We can live in peace now.”

Liz and Chloe smiled, kissed her, and helped her wash and get dressed. Then they tidied up the living room together.

After dinner, they sat down on the floor to watch TV.

“Mommy…” Liz asked tentatively. “Would we… Would you ever have sex with those guys again?”

Emily looked at her in surprise.

“Well… Why are you asking that question?..”

Liz blushed.

“Well, um… Chloe and I really liked… everything we heard…”

Emily raised her eyebrows in surprise.

“Really? Both of you?”

Chloe blushed as well, but nodded vigorously.

“Yes, Mommy. We enjoyed it very much. And you said you were fine…”

Emily just sighed.

“It’s too complicated, dear. Let’s just hope it won’t repeat too soon.”

They nodded. Were they really disappointed or was it just her imagination?

***

Then Emily’s old notebook died. Whatever she tried, it would not start. She looked at the black screen in dismay. Without the notebook, she could not work! And she had no money for repairs, not to mention buying a new one…

She took several slow breaths and tried to calm down. Then she called Clark.

“Clark? I’m so ashamed to ask, but I need to borrow a few thousand, urgently…”

Clark agreed without hesitation.

“Of course, Emily. I’ll transfer the money to your account right away. And wait for us tonight to collect.”

She sighed.

“Of course, Clark. I’ll wait for you.”

“Good girl. See you later.”

Emily disconnected and froze with a dazed look on her face. How many times would she have to surrender to them to repay this debt? She was afraid to think about it.

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