Debt Collection

by Ernest Bywater

Caution: This BDSM Sex Story contains strong sexual content, including Ma/Fa, mt/ft, Ma/ft, mt/Fa, Fa/Fa, ft/ft, Fa/ft, Ma/mt, mt/mt, Mult, Coercion, Consensual, Slavery, BiSexual, Fiction, Revenge, Incest, Sister, BDSM, Orgy, Anal Sex, Bestiality, Cream Pie, Exhibitionism, First, Oral Sex, Size, .

Desc: BDSM Sex Story: A man is talked into loaning his ex-wife some money. When she can't pay on time, he takes it out of her hide as the star for his own home porno flick and humiliating her. He's surprised when the rest of her family want in on the deal, but they have many more surprises for him as well.


All rights reserved 2007 by Cazna Rochester & Ernest Bywater

Story originally written by Cazna Rochester in 2007 with some later revisions. In late 2012 Cazna asked Ernest Bywater to revise and edit the story and transferred the copyright to him as well.

July 2016 Edition

Cover Art

The background image is Australian banknotes ten_thousand dollars by Cimexus and used under the Creative Commons Attribution licence with it at Wikipedia. The trimming, manipulation, and adding of text is by Ernest Bywater. All rights to the cover image are reserved by the copyright owners.

I use a Chapter Title, a Sub-chapter Title, and a section title.

Table of Contents
Chapter 01: Prelude
The Loan
The Debt is Due
The Cast

Chapter 02: Day One of Collection
Session One: First Instalment
Session Two: Second Instalment
During the Week

Chapter 03: Day Two of Collection
Session One: Third Instalment
Session Two: Fourth Instalment
During the Week

Chapter 04: Day Three of Collection
Session One: Fifth Instalment
Session Two: Sixth Instalment
During the Week

Chapter 05: Day Four of Collection
Session One: Seventh Instalment
Session Two: Eighth Instalment


I use a Chapter Title, a Sub-chapter Title, and a section title.

Chapter 01: Prelude


I got the opportunity to get my own back on my ex-wife. But before I tell you about that, let me tell you about her and our marriage.

I left high school at sixteen and was doing OK in a well-paid job by my eighteenth birthday. My older brother’s girlfriend roped me in to make up numbers for a four day long weekend party at her uncle’s holiday house. Her best friend’s sixteen year old sister needed a partner for the weekend. No date, and she won’t go; if she doesn’t go, her sister can’t go. The younger sister, Jane, was nice to look at, smart, but silly in a lot of ways. Don’t get me wrong, she wasn’t a raving beauty or a model type, but good looking, nice figure, pretty face, and lovely brown hair. Well, that first night we ended up in bed together, and spent most of the weekend there. She wasn’t too experienced when we arrived, but was enthusiastic; and well experienced by the end of the time we left to go home. Every time I got up to go somewhere she pulled me back, and fucked my brains out. I got a few photos of her sleeping nude on the third day. I never let her know I had them, because I later went to take a photo of her topless at the swimming pool and she went crazy about it. She doesn’t like people taking photos of her, especially showing skin.

Well, as these types of things go, we were married within six months and divorced just after our second anniversary. I wasn’t earning enough to keep her in the luxury she wanted. So she two timed me to latch onto another fellow who earned more money, and dumped me once she had him tied down. They were married within three months of the divorce being finalised. Here I was, married at eighteen, separated in time for my twenty-first, and divorced by my twenty-second birthday. Jane married her second husband on her twentieth birthday.

The real irony of all this was my work. I was due for a pay rise when she left me, and it came through the same day as the divorce papers arrived. There was no communal property worth talking about, and no children, so that side was easy. I did not mention my pay rise, because it wasn’t relevant since we had no children. With the divorce etc. I was a bit sour on life, because I’d made the mistake of loving someone who didn’t love me. When she left she made it clear I knew she always saw me as a stepping stone in her life. Anyway, I was sour on life, so I poured my anger and excess energy into my work. I’d been very badly burned, and was very careful about going near the fire again.

Being single, and not dating anyone, I was able to work overtime and ready to travel on short notice. My bosses sent me from one end of the country to the other to troubleshoot problems in the corporation. By the time I was twenty-five I’d been moved about and given pay rises a few more times, as well as being more than halfway through a company sponsored university course. I was now earning more than double what Jane’s husband was earning. At one hundred and twenty thousand dollars per annum, for the last few years, I was building a nice balance in the bank. Despite the increased income over the years I still lived in the same two bedroom apartment I rented when we separated, but now I owned it. I stayed frugal in my living arrangements, because I saw no reason to change my lifestyle. Only my work clothes improved in style and quality, and some personal entertainment gear at home. No one outside of work had any idea of how much I was really earning at my job.

I’d always gotten on well with Jane’s family, and we were still good friends. She has an older brother, an older and younger sister, and several cousins. I even get on well with her new husband, we’d bowled in the same ten-pin league for many years. So we all still saw a lot of each other, and exchanged gifts or cards at Christmas. I just had trouble talking to Jane, and dealing with my sense of betrayal by her.

One of her cousins was much older, and liked to go out a lot. Her husband’s job also involved quite a bit of going out to work dinners. During our engagement and marriage Jane and I did quite a lot of babysitting of their three children - two girls and a boy, because we lived within a few minutes’ walk. The flat I got when we separated was also close by, so I continued to babysit and spend a lot of spare time with the family. I got on well with the children, since I wasn’t that much older than they were; five years older than the eldest, and ten years older than the youngest. They were all great kids.

The Loan

Just after my twenty-fifth birthday Jane and John, her new husband, had financial problems and needed to borrow six thousand dollars on short notice, he figured for only a year. They were fully extended at the bank, and couldn’t get it anywhere. Well, as their deadline came closer Jane started wheedling me for the money. I don’t know how she found out, but she knew I’d several thousand bucks sitting in my main bank account. I was just thankful she didn’t know about the two hundred thousand dollars in my investment account, or the house I owned a few streets away. I was renting the house out since I didn’t need to live in a big house, yet. It’s my ideal of a house for when I do get around to having a family, so I bought it when it became available last year.

My team is bowling theirs this Wednesday night, and she’s applying the screws. Without the money their financial deck of cards would collapse and they’d lose their house. I didn’t care if she got kicked into the street, but I did care a little about what happened to John, as he’s a nice bloke. I didn’t want to lend them the money, either, because I knew she’d never pay it back to me. To anyone else, yeah, she’d probably pay such a large amount back in full, and on time; but not me. In her eyes I’m still the fool she can rip off all she wants to. She’d find a reason to defer payment, and continue to not pay until after we’re all dead.

In a whining voice, she says, “Look, Caz, we only need six thousand dollars, and you’ve got it just sitting in the bank. We’ll pay you back within a year. No risk at all.”

Jane is still good looking, and I knew, from John, she was still a nice, tight fuck, because she did some exercises to stay that way. I got so fed up with her pestering me about the money I decided to put her weights up, since I’d thought of a way to get my own back at her. I said, “Look, if it’ll make you shut up, I’ll loan you the money, but on my terms.”

Grinning, she asks, “What are they?”

I’m angry when I reply, “The loan’s to you and falls on you, not John. No need to make any payments until one year’s time. Then you pay back the loan plus one year’s interest of four hundred dollars. That’s about six point seven percent, much less than the current bank rates of seven and a half to eight and a half percent. That means you pay me six thousand and four hundred dollars in one year’s time, exactly one year’s time. If you can’t pay me the full payment at that time you’ll pay what you can, and then work the rest off with the outstanding debt earning interest at one percent per month. That’s the same rate as most credit card interest charges at the moment. All debts outstanding after the due date can’t be paid in cash, but must be worked off. You clear on that?”

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