My Wife's Debt Repayment Plan - Cover

My Wife's Debt Repayment Plan

Copyright© 2026 by Desert Nights

Chapter 15

BDSM Sex Story: Chapter 15 - James and his wife, Yun, face financial ruin. So Yun agrees to become an escort for a wealthy Japanese VIP in exchange for enough money to pay off their debts. But things spiral out of control when the couple arrive in Japan and are forced to discover the depths of excess they must submit to. While Yun has to accept any sexual demands made by her sponsor, and even volunteer to be used by others, James discovers that he has a dark and depraved side he was not aware of before arriving in Japan.

Caution: This BDSM Sex Story contains strong sexual content, including Ma/Fa   Coercion   Consensual   NonConsensual   Rape   Heterosexual   Fiction   Cuckold   Sharing   Slut Wife   Wife Watching   BDSM   DomSub   MaleDom   Humiliation   Rough   Gang Bang   Group Sex   Oriental Male   Oriental Female   Cream Pie   Facial   Oral Sex   Public Sex   Nudism  

I went past the onsen area and back to my locker. Taking a deep breath, I opened it. And lo and behold, the items I had bought were right there. I looked around, made sure I was alone, before quickly getting changed and then hiding the items I bought in my pockets. After leaving the onsen, I did not go back to the room. Not yet. I still had one important step left to complete. I ventured around the lounge and the massage chair area, searching for a target. There were so many beautiful girls, so many of them with great figures, and to be honest, it was hard to find one that I didn’t want to fuck. Then, when I was at the coffee vending machine, I found my target. A petite, sweet-looking girl by the name of Sylvia. I heard her friends shouting out her name while she was waiting for her macha latte to be dispensed from the machine.

She was shorter than me, I would say about 1.55 metres tall. She might be petite, but she had been blessed with a nice and proportionate figure. Her shoulder-length hair was a stunning shade of honey blond, cascading down her back in loose waves. Her hair framed her face perfectly, emphasising her delicate features and sweet smile. Her legs, while not extremely long, were nicely proportioned and seemed to go on for days, ending in flawless kneecaps that peeked out from under her skirt. Completing her ensemble was a perky little butt, just the right size to make her look playful and inviting. When she walked with the hot cup of drink in her hand, her slow deliberate swaying of her tight butt really appealed to my desires. Her style seemed to emulate a K-pop idol, and from the way she spoke, I reckoned she came from one of those bitchy girls’ schools.

I could feel my excitement rising when I caught sight of the room number on her wristband - 205. My current mission complete, I took my coffee and went back up to my room. As I closed the door, the next part of my plan fell into place. You know how, behind every room door, there was a plan of the hotel that showed the evacuation route in case of an emergency? That also told me the layout of the hotel rooms. From the metal etched floor plan, I could tell all the rooms were of the same configuration - bathrooms all share the same stack, and level two probably had the same two room setup as our room, but with more beds since the rooms held four people each. Barely able to contain my excitement, I figured out the shortest route to Sylvia’s room.

Yun was watching TV when I stepped out of the small entrance way and into the room. She gave me a quick glance and asked me where I had been.

James: Just exploring the onsen and walking around.

Ignoring what I had just said, she turned her attention back to the TV.

Yun: There’s quite a lot of channels on TV...

After I went into the spare bedroom and hid the items I had bought under my bed, I settled down beside my wife, putting my arm around her shoulder and kissing her on her cheek. She returned my kiss and leaned on my shoulder.

James: I did the math for the watch. We need to charge it twice a day at least ... Yun: I did the math too...

She handed me a notepad from the side table.

Yun: We need to charge it while we nap, then when the cuff unlocks at 7:00 p.m., we go for dinner. After that, with about eight hours of runtime, we need to charge it again by 3:00 a.m. latest.

Yun reasoned, that once away from the charging station, we had about eight hours of free time to roam and move about. For the rest of our time, we needed to be in the room.

James: There’s not much to do now except wait for further instructions.

We watched a bit of TV before deciding to hit the sack.

James: Let me help you settle in first.

I walked my wife to the bed. As she laid down, I pulled the blanket over her. She stretched her hand out and I put the handcuff over her wrist. When the device registered the lock, the watch began charging. I kissed my wife and snuggled in bed beside her, pushing my hard rod against her body.

Yun: No dear, I’m really not in the mood. I’m already very stressed out by this whole situation. James: But seeing you handcuffed here ... mmh ... hehe...

I gave her a cheeky smile, but it was not reciprocated. She was really not in the mood and was on the verge of turning grumpy. Well, truth was, I was only teasing her. I was not in the mood too. Not that I didn’t want to have sex, but I wanted to save it. I wanted to save it for Sylvia. Kissing my wife on her cheek one last time, I went to the other room. I was tired. The bellyful of food made me sleepy, but the thought of what I was going to do later kept my heart racing. It was hard to fall asleep. When I felt my eyelids drooping, it was close to three in the afternoon. I jerked awake after realising I had yet to put on the handcuff. I applied it to my wrist and my watch started charging. Then I dozed off without realising it. At 7:00 p.m. sharp, the handcuff released itself and the alarm I had set on my watch rang. I felt refreshed after the four-hour nap, but what really got my blood pumping was the thought of going after Sylvia. My watch was fully charged, so that gave me about eight hours. I just needed to be back in the room by 3:00 a.m. to be safe. I set an alarm for that and went out to check on my wife. Yun was still sleeping and I roused her from her sleep.

Yun: Mmmmh ... the bed is so comfortable ... I don’t want to move ... James: We promised to meet Simin and Harry for dinner...

We washed our faces, then went over to room 401 to knock on Simin and Harry’s door. Simin opened the door and said they were almost ready.

Simin: Give me a minute ... Dear! Are you ready? James and Yun are here. Harry: Coming!

Harry came running with a grin on his face. One look and I could tell that he had won quite a bit of money. He didn’t say anything until we were down at the dinner buffet. The restaurant was not crowded, only about half full. The spread, however, had us dumbfounded. The food and choices were nothing short of a five-star hotel. From raw seafood to Kobe beef, we were spoiled for choice. I saw a table of guards eating at the corner and it appeared that they were also having the same fare as us. Harry set his food down in front of me and checked to make sure the girls were nowhere near us.

Harry: James ... guess how much I won? James: How much?

He put up five fingers.

James: 5,000?! Harry nodded.

Harry: I converted the silver into gold, so I have five gold coins plus the free 1000 silver from the casino. I’m going to go try my luck again tomorrow ... hahaha ... James: Serious? Harry: Their slot machines are crazy! It is like damn easy to win. Impossible to lose.

Harry lowered his voice and gave me some advice.

Harry: I actually don’t want to share this, but I tell you, it’s good to accumulate gold coins, brother ... You can do amazing things with them. James: What do you mean? Harry: You know what the girls are supposed to do tomorrow? James: No ... Do you? Harry: Nope, but do you know, you can buy your way out? James: What?

Harry smiled and sniggered, but he stopped talking when Simin came back. As we ate, I noticed we were not the only couples who had banded together. This had become like it was some weird survival game and others too were banding together. The only exception was Herman and his wife. He was openly ogling the young girls while his hot wife was enjoying the copious amount of attention paid to her body. While most of the girls were wearing the yukata or their normal clothes, she was wearing a bikini - a white bikini that showed the imprint of her nipples underneath.

Yun: AHEM! Can you stop staring...

I quickly looked away and turned my attention back to the food. My wife gave me an irritated look. She was always fast to get upset when I looked at other girls. Harry saw what I was looking at and he sniggered.

Harry: She has that come-fuck-me look, doesn’t she? Hehehe ... Simin: TSK!

Simin kicked her husband on his leg and frowned, obviously irritated with what he had just said. When the girls went for their desserts, I quickly resumed the question-and-answer with Harry. I wanted to know what he meant by buying out the girl.

Harry: It costs three gold coins to buy a day of rest. James: Are you serious? Where do we buy it? How did you get to know about this? Harry: It’s in the slot machines ... James: Huh? Harry: I saw new menu options when my coins hit 3,000. Initially, I thought it only opened up when I hit a certain benchmark, but when I cashed out, I tried putting money inside it again. James: Then? What happened? Harry: The menu option appeared again. I tried with different machines, it’s all the same. You put in 3,000 silver or three gold coins and the menu to sit out the next day’s activity appears. Hehehe...

Now I knew how I missed out that option. I only used the free gold coin and never put in any of my own.

James: Wow ... Harry: Meaning to say, as long as I keep winning, I can buy Simin out of having to participate in whatever shit those rich fucks are up to ... James: Does she know? Harry: Of course not. I have no intention of telling her. James: Why? Harry: Then she will stop me from visiting the casino! Shhhh ... they’re coming back.

My wife got me some ice cream while she had tiramisu for herself. Simin had the same, and apparently, it was so good that the girls had three helpings of it.

James: There’s quite a bit of alcohol content in tiramisu. Don’t eat so much ... Yun: Aiyah ... just a bit...

As I ate, my thoughts went to all the hidden details and options available. I was still reeling from the number of secrets that the hotel held. There had to be so much more I didn’t know about, and each one seemed to open up different paths and more possibilities. After dinner, Harry hinted he might want to hit the onsen again.

Harry: James, you want to go? Hehehe ... Simin: You were already there the whole afternoon! Are you sure you can stay in there for so long? Harry: Aiyah, stay in the room and watch TV only. If not, all I will do is take a nap. James: I think maybe you should have a good night’s sleep. No idea what tomorrow will bring ... Harry: Haha ... sigh ... okay. I’m in the mood for some loving tonight ... Simin: Tsk! Harry: Hahahaha...

Simin’s face blushed and she looked away, embarrassed at the way her husband was behaving. We finished dinner and our chat at about 9:30 p.m. Simin wanted to use the massage chair, while Harry said he would shower in the onsen instead of the room. Yun and I made our way up to the room, and while waiting for the lift, we bumped into Sylvia and her friends. I felt my heart racing. I did my best not to look at her body. There was something about that petite frame of hers that appealed to me. I was actually quite a decent and nice person, but I didn’t know why, ever since this sick adventure started, I found myself sinking to a depth I never knew possible.

We took the same lift as Sylvia and overheard snippets of conversation.

“I heard tomorrow is selection. If we get selected, we can start earning ... But if we get rejected, they will boot us out.” “Boot out is fine also. We get a free flight to Japan and the 3,000 dollars in cash they paid us for deposit. It’s like a free trip!” “But you don’t want to earn money?” “God knows what they want us to do...” Sylvia: Haha ... what else? Don’t act as if you all are virgins ... haha ... You know what you signed up for... “My boyfriend doesn’t know okay...” “Mine too...” Sylvia: Yeah, I told mine it’s an all-girls trip ... haha...

The girls chuckled and laughed as they got off on level two. Yun shook her head and commented,

Yun: Oh my god, they’re all so young. What are they thinking...? They must be, what? In polytechnic or something...?

I kept quiet and said nothing. Seeing the way Sylvia talked and behaved made me want her more. It made me want to bend her over the bed and smack her tight butt to hear how crisp the ‘piak piak’ sound would be before I fucked her. Back in the room, while Yun settled down in front of the TV. I got ready the date-rape drug. No, I was not about to drug and rape my wife. I just needed to knock her out so I could go earn more gold coins. The bottle came with detailed instructions, even a table which referenced the weight to dosage. Based on my wife’s 53-kilogram weight, I needed only two drops. I put it into a glass of water and brought it to my wife at the living area. At about 10:30 p.m., she took a sip of it and, on pretext of wanting to wash the glass, I asked her to finish it. She drank it all up and handed me the glass. At about 11:15 p.m., my wife started nodding off. By 11:30 p.m., she was totally out.

James: Dear ... dear, you okay? Dear ... can you hear me? Dear...?

I tapped her lightly on her cheek and, seeing that she had no reaction, I carried her over to the bed. I handcuffed her wrist to the charger and covered her with the blanket. My heart was racing by then and I felt my palms sweating. I could not even begin to describe the anxiety and excitement I was feeling. How could I even begin to describe this? I had never attempted to force myself on another woman before. I went into the bathroom to wash my face and check the mirror. It clearly reflected the items I had bought and the amount of gold coins I had. It also had a table which showed my current task. Slowly exhaling a couple of times to calm myself down, I left the bathroom and retrieved the items I had bought. I wondered what the guards would do when they heard the girls screaming for help. Would they intervene or would they just stand there and do nothing? I moved to the room door and cautiously opened it. I had a shock when I saw two guards standing in front of me.

James: Yes? What is it?

They said nothing, but I saw the tripod and the camera each of them held in their hands. I waved at them and they just stared at me with their cameras rolling. Then, I finally got it. They knew what I was up to and they wanted a front row seat. It was all a show and whatever the participants did was entertainment for the men watching. They wanted to be entertained. I made my way to the staircase and put on the balaclava. The two guards with cameras stayed out of my way; they just made sure everything I did was captured on video.

 
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