Debt Collection ~ Revised 2021 ~

Ernest Bywater & Cazna Rochester
All rights reserved © 2007 and 2021

Story originally written by Cazna Rochester in 2007 from an idea by Ernest Bywater with some later revisions. In 2012 Cazna asked Ernest to revise and edit the story, and transferred the copyright to him.

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.

22 June 2021 version
Published by Ernest Bywater

Table of Contents

Author’s Notes
Chapter 01: Prelude
History
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
Epilogue
Life
Work
Author’s Note

The title styles in use are a chapter, a sub-chapter, and a section.

Chapter 01: Prelude

History

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 I 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 we spent most of the weekend there. She wasn’t too experienced when we arrived, but she was enthusiastic. She was 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 when she’s showing some 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, then she 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 birthday, 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 significant 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 very clear to me she only 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, so I was very careful about going near the fire again.

Being single and not dating anyone I was able to work overtime and I was 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 been 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 new 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, as well as some of my personal entertainment gear at home was upgraded. No one outside of work had any idea of how much I was really earning at my job.

Note: At the time of the income stated above the average wage was under thirty thousand dollars a year and over ninety percent of the work force was earning under one hundred thousand dollars a year.

I’d always gotten on well with Jane’s family and they were all still good friends. She has an older brother, an older sister, a younger sister, and several cousins. I even get on well with her new husband as 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 she 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 of their home. 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 their eldest child, and ten years older than their youngest child. They were all great kids as they were respectful and each had a great sense of humour, as each was a little different but all were fun to be with in their own way.

The Loan

Just after my twenty-fifth birthday Jane and John, her new husband, had some short-term financial problems and they needed to borrow six thousand dollars on very short notice, he figured they’d need it for only a year. They were fully extended at the bank and they couldn’t get it anywhere else. 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 dollars 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 family 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 bit 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 to me. In her eyes I’m still the fool she can rip off all she wants to. She’d find a reason to defer any payments then 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 because 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 at me she asks, “What are they?”

I’m angry when I reply, “The loan’s to you and it 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 interest, 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?”

Smiling she nods and says, “How is it to be worked off, and at what rate? I’ll not clean house for five dollars an hour.”

With a big grin I respond, “You can’t clean house, anyway. You’ll work at two hundred dollar an hour, with a minimum work period of four hours, as a model doing whatever type of modelling I want.”

Very wide-eyed she says, “What?”

I smirk, “You pay me back in full and on time, no problems. Fail to meet that debt in full and you do modelling for me at the rate of two hundred dollars an hour. You sign a release form and do whatever I want. Which will be underwear and nude modelling at the very least. Essentially, pay me back on time or you stand around while I take photos of you nude, etcetera.” I knew she would really hate the idea of photos, especially nude or semi-nude photos.

She stands there, red faced, and getting angrier by the second while John is trying not to laugh, so is everyone within earshot because they’ve all heard the conversation. Finally she blurts out, “There’s no way I’m agreeing to those terms.”

“Good, then don’t. Find the money somewhere else. Those are the terms I’m offering. Take them or leave them.” Standing up I walk over to the café to order some toasted sandwiches and a drink. On the way back I borrow a writing pad from the centre’s control desk. During the second game I eat my snack while I write out the terms of the loan and I make three copies of it as follows:

The party of the first part, Cazna Rochester, will loan the party of the second part, Jane Flowers, the sum of six thousand dollars for twelve months. At the end of the said twelve months from the date of signature of this contract the party of the second part will pay back the loan and interest in full, said amount being the six thousand dollars plus four hundred dollars interest. Should the party of the second part not be able to pay the debt in full on the said date the outstanding balance shall incur interest at the rate of one percent per month, or part thereof. Such outstanding debts will no longer be payable in cash, but it will be paid out by work as a paid model. The party of the second part will be credited with two hundred dollars per hour of modelling against the debt. Modelling sessions will be a minimum of four hours and no more than five hours in any one session without a break, and a maximum of fifteen hours in any one twenty-four hour period. Should the total period of modelling amount to more than that of the debt the party of the first part will pay the party of the second part the difference in cash. At the start of each session the party of the second part will sign a release form in favour of the party of the first part to give them the full rights and ownership to the images made during the modelling session. The modelling session may be any one or all of the following types; fully clothed, partially clothed, striptease, underwear, nude, sexual activity by themselves or with another partner or partners of either gender or both genders.

With the contract finished I put the pad down near my gear and I talk to the bowlers. After John bowls Jane stands up to bowl. He sits beside me and he picks up the pad. He reads the contract and his eyes pop.

Turning to me he says, “You really intend to record her fucking you or someone else?” I nod my head yes. “Shit, she’ll never go for you taking photos of her at all, let alone nude or while being fucked.”

I reply, “I don’t care if she does or doesn’t agree. Those are my terms. She’s quite free to go elsewhere to find the money or to sign this and pay it back on time, the way she claims she will. But fail to pay it back and she becomes my fuck-toy for over thirty hours while I record it.” I stand up to take my turn to bowl.

A few minutes later he sits beside me again, saying, “You know she’ll not see paying you back as priority.”

Smiling at him I say, “She’s never paid back a personal loan from anyone. Just ask her family. I expect I’ll never see that money again. But I do expect your help in forcing her to honour this agreement, if she signs it. So I’ll get to spend some Saturdays fucking your wife’s arse off before my cameras, and I’ll fuck her every which way I can. She used me and now I’ll have the chance to use her.” He’s stunned by the venom in my voice. Jane comes over to see what I’ve been writing. Without asking, her usual approach to anything, she picks up the pad and reads it. Tossing it down she gives me a rude gesture and goes to the ladies toilet. Soon after that we finish for the night and we all make our separate ways home.

The next night I answer a knock on my door to find Jane and John standing there. John asks if we can talk. I show them into the lounge room. Sitting down he says, “Things are worse than I thought. We need to be able to give people seven thousand dollars by lunchtime Friday, or we lose everything. No one else is prepared to loan us the money. It seems Jane owes everyone we know some outstanding debt of some sort. If you can loan us the seven thousand she’ll sign that agreement.” I turn to look at Jane.

After swearing a lot she says, “Loan us the needed money and I’ll sign the fucking agreement.”

Going to my computer I open up the file where I’d typed the loan agreement in full. I adjust the figures to read seven thousand dollars and five hundred dollars interest. I tell the printer to print three copies while I go next door for my neighbours as witnesses. One is a cop and the other is a Justice of the Peace (JP).

With everybody sitting in my lounge room I talk Jane through the terms of the loan while making sure all present understand it in full. They nod to acknowledge their understanding of the contract and its terms. Jane signs as party of the second part, I sign as party of the first part, and the three witnesses sign it. Opening my desk drawer I remove a bundle of cash and I count out seven thousand dollars in one hundred dollar bills. Handing the money to Jane I have her sign the bottom of the contract as having received the amount of seven thousand dollars from me, and I have the three witnesses sign for witnessing the payment.

With all three copies properly signed by all I hand Jane one copy and I hand a copy to the JP with a request for him to keep it in his files while I place the third copy in the small safe built into the bottom of my desk. Standing up John thanks me for the loan, and he ushers a very angry Jane out of my flat.

The rest of us wait a moment before going to the door to watch them leave the building. As the front door closes behind them we all laugh. We all know Jane well so we’re all sure she’ll never pay me back the money. Oh, John will put it aside, but she’ll spend it on something else for herself. I knew they’d come to me, eventually, because they now had no other choice due to her past actions. So I’d withdrawn eight thousand out of the bank this afternoon because I knew Jane would’ve understated the problem of how much they needed. I know her so well.

The next day I take the loan agreement with me to work to make several photocopies. I’ve a JP certify them as true and correct copies. At lunch time I give my original to my solicitor for safe keeping. That night I visit Jane’s brother and sisters to make sure they’re aware of the loan agreement and all of its terms. I also give a copy to the cousin I babysit for because I expect Jane to go and whine to her about it. Before going to bed I make a big note in my diary to buy some high quality still and movie cameras in eleven months’ time.

The Debt is Due

On the day the loan to Jane is due for payment I wait for her to call in, but she doesn’t. The next evening I go to Jane’s house and ask her for the money. As I expected, she has nothing to pay me. I say, “Well then, be at my place at eight a.m. on Saturday morning for our first photo-shoot. Expect to be there all day.”

She swears and says, “Not bloody likely.”

John says, “Eight a.m., she’ll be there.” When she stares at him he adds, “You made a promise, you’ll keep it.” I leave while they start to argue. Later that week I get a call at work from John, “I’ll make sure she’s there, but I want something from you. We’ve been arguing about kids for a year. I want some while she doesn’t. I swapped her contraceptive pills with fertility tablets some months back and she’s not pregnant. I’ve just been told by the doctor I’m sterile. But I still want children in our house. I want you to get her pregnant, so please don’t use any condoms. Later we’ll talk about other children. I’ll raise them all as my own.”

Stunned, I say, “You sure about this? I want your request in writing.”

He replies, “I understand and I’ll drop it around tonight.” That afternoon I go out and buy a number of high quality digital video cameras and digital still cameras, with tripods for each of them. Later John drops round a witnessed written request for me to get Jane pregnant since he can’t and he wants children. When he arrives I’m setting up the spare bedroom as the recording studio, so I show it to him. He smiles on seeing it. I’ve an old seven hundred and fifty by one hundred and eighty-eight centimetre bed, a small table, and a frame with a large upside down ’T’ that can adjust the height and angle. All have cameras set up to record the person on them, I open the top draw of the chest of drawers to show the restraints and sex toys I have ready to use. He gives me the most devilish grin in response to seeing it all.

No sooner is John gone than Lynn and Mark, Jane’s older sister and her husband, arrive. They want to be models and I can fuck Lynn as long as Mark gets to fuck Jane in the arse. We come to an agreement where they’ll help out on at least two weeks on the terms of doing as I tell them. They’ll also sign release forms because I’ll pay them one hundred dollars an hour each. While we’re signing this Barbara, Max, Robert, Mary, and Linda turn up, this is the cousin I babysit for and her family. She wants a similar deal involving her family. Whilst we’re discussing this Darren and Shauna, Jane’s brother and his wife, arrive wanting to join in the fun. Soon followed by Jane’s younger sister, Nina, also wanting in on the deal. The whole family wants to get even with her over many things. They all agree to the same terms as Lynn and Mark. I assure them I intend to use the recordings commercially, but none of them believe me as they think I’m just saying that to frighten them. I can’t believe it. I’d trouble finding two paid people to help me with my plans, and now I’m inundated with volunteers. All of the females are fairly good looking, and well worth fucking. Before we get into the what happens on the Saturdays I best go through the figures and the cast.

The Amount

Jane borrowed seven thousand dollars plus interest for the year of five hundred dollars, and interest of one percent per month for the first month Which means she owes me seven thousand, five hundred, and seventy five dollars to be worked off at two hundred per hour, or just under thirty-eight hours. I plan to work her for ten hours a Saturday, so that’s four Saturday’s work to pay it off. A total of forty hours work at two hundred dollars per hour comes to eight thousand dollars of modelling. I’ll have to pay her four hundred and twenty-five dollars for excess time on the last day. I explained the full details of the calculations to Jane and John when I saw them about the payment. John agreed while Jane argued and argued. In the end she was very reluctant when she agreed to honour her debt and do it.

Note: I’m not concerned about everyone not believing I’ll use the videos in commercial ventures, but they will believe me when I do publish them. I had been slightly concerned about how this will go with John, but now I’m not concerned about how he’ll react or what effect this will have on him or Jane as I feel they both deserve each other.

The Cast

Barbara - Jane’s older cousin, thirty-eight years old. Tall with an athletic build and long legs, light brown hair, light brown eyes, well-endowed firm breasts, very pretty. A very nice person.

Cathy - twenty-seven year old exotic dancer, underwear model, and nude model. Average height with a slim athletic build, long legs, light brown hair, brown eyes, nice large breasts. She has a wicked sense of humour, and I mean real wicked - she brought Paddy along for extra fun on the second session without telling me beforehand.

Cazna - the producer and male lead, me, twenty-six and half years old. Average height and build, fair hair, blue / grey eyes. I’m told I’m reasonably good looking with a dick 270 mm long and 60 mm wide. Easy going and hard working.

Darren - Jane’s older brother, twenty-six years old. Average height and slim build, dark brown hair, brown eyes, good looking (I’m told by the ladies), with a dick 220 mm long and 80 mm wide. Nice bloke but a bit submissive.

Jane - my ex-wife and female lead, twenty-four years old. Average height and build with a trim figure, lovely light brown hair, dark brown eyes, nice sized firm breasts, good looking. Real bitch who’s very reluctantly agreeing to her role, more like she’s coerced into.

John - Jane’s current husband, twenty-seven years old. Average height and slim build, dark brown hair, brown eyes, good looking (I’m told by the ladies), with a dick 180 mm long and 55 mm wide. Bit of a wimp but a nice bloke.

Linda - Barbara’s youngest daughter, eighteen years old. Tall with an athletic build, dark blond hair, startling deep blue eyes, small firm breasts, very pretty. Very elvish looking. A very nice person who’s very assertive and a very determined young woman.

Lynn - Jane’s older sister, twenty-eight years old. Slightly above average height and solid build with a trim figure, dark brown hair, brown eyes, nice sized firm breasts, good looking. A very nice person but known to hold a grudge for ages.

Mark - Lynn’s husband, thirty years old. Above average height with a slim build, dark brown hair, brown eyes, good looking (I’m told by the ladies), with a dick 200 mm long and 65 mm wide.

Mary - Barbara’s oldest daughter, nineteen years old and turning twenty soon. Tall with a slim build, very light brown hair that’s almost a dark blond, mid-blue eyes, nice sized firm breasts, moderately pretty. A very nice person and a touch submissive.

Max - Barbara’s husband, forty years old. Tall with an athletic build, blond hair, blue eyes, very handsome (I’m told by the ladies), with a dick 210 mm long and 75 mm wide. A nice fellow and fairly assertive.

Narelle - a classmate of Linda’s, eighteen years old. Average height and a Junoesque build, light blonde hair, light blue eyes, a voluptuous person with large breasts, pretty in a down to earth way; and Earth mother type. A nice person but extremely submissive.

Nina - Jane’s younger sister, twenty-one years old. Average height and slim build, dark brown hair, brown eyes, nicely endowed with firm breasts, good looking. A nice person but quick to anger.

Robert - Barbara’s son, twenty-one years old. Tall with a slim build, light blond hair, blue eyes, good looking (I’m told by the ladies), with a dick 200 mm long and 75 mm wide. A nice young man but very submissive and easily ordered around.

Shauna - Darren’s wife, twenty-four years old. Average height and build, blonde, blue eyes, nice sized firm breasts, very pretty. A very nice person and a bit dominating.

Steven - twenty-six year old male stripper and model. Tall with an athletic build and extremely fit. Very handsome (according to Cathy, later agreed to by the other ladies), light hair and brown eyes, with a dick 230 mm long and 90 mm wide - the widest I’ve ever seen.

Chapter 02: Day One of Collection

Session One: First Instalment

At 7:45 a.m. on the Saturday I’m checking everything is ready when my door bell rings. I answer the door to find Cathy, Steve, John, and Jane standing there. I invite them all in and I offer them hot chocolate. While we drink our drinks I explain the situation to them.

Looking at Jane I say, “For the next four Saturdays you’ll work two five hour sessions with a one hour meal break between them. When it’s all finished I’ll pay you the residual four hundred and twenty-five dollars. At the start of each session you’ll sign a release giving me full control of all of the images. During each session you’ll do exactly what I tell you, regardless of what it is, as long as it doesn’t cause physical harm requiring hospital time.” Jane glares at me, glares at John, and slowly nods. “During these sessions I’ll bring other people in to help out as models and camera crew, as well as joining in myself. Cathy and Steve are here to help with this morning’s session.” I get another glare from Jane. She gulps and slowly nods after a stern look from John. I add, “The sessions will be eight a.m. to one p.m. and two p.m. to seven p.m. for the next four Saturdays.” She nods again.

Since it’s now 8:00 a.m. I stand and I lead them to the spare bedroom. Jane stops in the doorway on seeing the cameras. It’s just starting to hit home that I’m serious about the recording. On the table are release forms for all four of them to sign. Jane’s eyes go up on seeing one for John.

I stand Jane in the middle of the room while I set some cameras to record. I tell her to undress. With a red face she starts to undress. I turn on cameras then I use a digital still camera for high definition still shots.

Note: From this point on I won’t always mention the camera angles or turning them on or off. Each aspect of every session is recorded from many angles by digital video cameras and digital still cameras. Sometimes I operate the cameras, sometimes I have others operate the cameras. After being focussed on the main star the video cameras are turned on and left to run. Just rest assured I’m going to end up with forty hours of good action recorded from six or more angles, along with many terabytes of high definition still shots, tens of thousands of them. Also, everyone’s actions are as per my directions, so I won’t always say that as I’ll just say what they do.

Once naked Jane bends over to pick up her clothes to place them under the end of the bed. She lies on the bed with her legs spread wide and she opens her pussy up for our viewing pleasure. Cathy walks in from the bathroom with warm water, a towel, shaving cream, scissors, and a razor. Jane cries while she lies there as Cathy feels her up before shaving her pussy bare. Jane hates the idea of girl on girl sex. After cleaning Jane up Cathy undresses and lies on the bed between Jane’s legs while spreading her legs further apart.