My Wife's Debt Repayment Plan - Cover

My Wife's Debt Repayment Plan

Copyright© 2026 by Desert Nights

Chapter 2

BDSM Sex Story: Chapter 2 - 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  

The dust never settled. I was jittery for a couple of months, working longer hours and even doing deliveries to make ends meet. Of course, Yun would not let me use the new BMW to do such menial work, so I rented one of those pay-to-use bicycles and shuttled food from restaurant to customer at estates far away from where any of her friends lived. And, yes, I had to take the bus there. With Clement constantly reassuring us that everything was in order, Yun began to enjoy the status of living in a private property and driving a European car. I didn’t know why, but her social media started getting updated more often - pictures of her by the pool, on the deck chair, selfies of her in bikini, posing by the car at scenic spots around the island, every picture being coupled with cryptic messages - you know, something like humble bragging. Within her immediate family, she was the first to move out of public housing. And that alone came with bragging rights. Among her friends and peers, she was the first to own two properties. Yes, some of them also owned European cars, but Yun’s was the latest model, and the ‘sport’ version to boot. Add into this equation, Clement’s sales bible of selling both condos after a few years to upgrade to a house with some land, Yun talked as if she had everything worked out.

All along, I knew Yun was a proud woman. She cared about her ‘face’, her reputation. She needed to appear as if she were a league above her friends. I didn’t have much say in these matters, I was the beta male, remember? As long as she was happy, I was happy. I had a beautiful wife, the sex was great, we owned two properties and a luxury car, what more could a man ask for? Sure, in reality we were barely making ends meet and Yun was secretly having to cut back on expenses. But to her and the rest of the social media world, she was living the life, the Singapore Dream.

Then in mid-2023, our whole world came crashing down. Clement, with his shitload of shady dealings, was the first to be investigated by the authorities. This was even before the news of the government clamping down on people exploiting loopholes was released. And you know what he did? That fucker packed up, crossed the border into Malaysia and disappeared. And who do you think the authorities would go after next? People like Yun and me of course. Long story short, we were avoiding taxes and we were given a choice; pay the taxes we owed plus the fine, or get ready to be dragged through a very public case in the news along with others like us.

Yun’s cousin was also caught in this whole Clement fiasco. She did the same thing as us, selling her flat and getting two private properties. And now that the taxman had come knocking, her cousin was turning to us for help, no doubt drawn in by the lavish lifestyle that Yun portrayed on social media. But Yun denied everything, insisting that we went by the book and paid all the taxes She refused to admit, even to her own cousin, that we were in deep shit. Shit so deep that no amount of ‘girl-math’ or glamorous posts on the internet would ever get us out of. Yun flatly rejected her cousin’s plea for a loan, saying that we were cash-short but asset-rich.

Yun: Oh no, we just signed a letter of intent and wrote a cheque to wait till that is settled first, if not thanks to the seller of a land and house at central things got very messy. You know, you must spend money to make more money. If not how to get rich?

Oh, and you asked what was the final figure? Well, it came up to $487,786.45 including tax. That was almost half a million dollars and we had 30 days to settle it. We rejected and tried to fight the ruling the first time it was offered to us. We went to see our MP and it bought us another 30 days, but by the time the correspondence came back to us, we had 43 days before it was due. We couldn’t sell any of the properties or we would incur more taxes. Then the bank sent us letters, letting us know that interest rates would be rising. Clement had assured us that interest rates would not go up, making us sign on the dotted line for a floating rate for three years.

Yun and I did our sums; even if we emptied out our savings, sold all the stocks in our portfolio, we could barely put together 100 thousand. We could not even sell the bloody BMW because it was leased. What a fucking irony, there we were, proud owners of two properties and, after working for so many years, we didn’t even have 100 thousand dollars in combined savings for emergencies. How about borrowing you said? Borrow from whom? We were from average, middle-income families. Who the fuck had half a million sitting around for us to borrow?

 
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