Insufficient Funds
by Master Jonathan
Copyright© 2022 by Master Jonathan
Fiction Sex Story: A Navy wife has gotten behind on the mortgage and now is facing foreclosure. But the Loan Manager at the bank has an idea on how to help her keep her home...
Caution: This Fiction Sex Story contains strong sexual content, including Ma/Fa Coercion Heterosexual Fiction Workplace Slut Wife Oral Sex Prostitution Illustrated .
Amy sat there at the dining room table staring at the envelope. She knew what was inside. Written in red across the front were the words – IMMEDIATE ACTION REQUIRED in big block letters. The envelope had come from the bank that Amy and her husband had financed their home through. She knew that she’d been having some problems lately making her mortgage payment, and this was the third letter like this she had gotten lately.
She sighed and opened the letter to see what they had to say and what she might be able to do to hold them off a little longer. As she unfolded the paper inside, she was hit with another shock. It was a Notice of Foreclosure letter.
Dear Borrower:
You have fallen behind on your mortgage payments. You must bring the mortgage current within 30 days of the date of this letter by sending the amount shown below to the address below in the form of a money order or certified check.
Failure to bring your loan current within 30 days of the date of this letter, will result in a demand the entire balance outstanding under the terms of your mortgage agreement. This amount includes, but is not limited to, the principal and interest and all other outstanding charges and costs. Legal action will begin to foreclose on the mortgage, which will result in the sale of the property. We also reserve the right to seek a judgment against you for any deficiency after the home is sold.
We want to help you to resolve the problem and bring your account into good standing. We urge you to contact our office at (675) 482-2331 and we will do what we can to work with you to try to solve your current difficulty.
“Shit!” she said as her heart sank. She was hoping they would give her a little more time to come up with something. She didn’t think she was that far behind in her payments, after all. And everyone these days was having a tough time making their bills. Amy just stared at the letter. She didn’t know what to do – with her Navy husband deployed out to sea for a six-month tour, he wasn’t due back for another four months.
Amy put the envelope in her purse, she would deal with it tomorrow ... somehow. For now, she put on a brave face for her daughter. She didn’t want Suzie to know how bad things were. She worried too much as it was, and she was too little to know just how bad things really were.
That night Amy didn’t get much sleep. She had to shield her daughter from all the bad news, but she also didn’t tell David, her husband, about everything that went on at home. He had enough to deal with being on his ship – working on the flight deck of an aircraft carrier is not someplace to be if you are distracted. And there wouldn’t be anything he could do anyway; he was out to sea somewhere in the Sea of Japan. So Amy had to shoulder this on her own.
The next day she headed over to the bank to see what could be done about this foreclosure problem. She had gone through her closet and looked for something that was attractive yet not too suggestive. She wanted to impress the bank officers but not seem like a slut.
Amy walked into the bank, but before she went over to face the finance officer, she stopped by the restroom first. She wanted to check her looks as well as gather her courage for the meeting with the finance officer. Finally, though, there was no more avoiding it. She had to get this over with and see where she stood and what could be done to prevent them from becoming homeless.
After checking in with the receptionist and signing the visitor sign-in sheet, Amy was led to a side conference room. The room had a long table, nearly six feet long and three feet wide, with three chairs along one side and two on the other. She was told to take a seat in one of the two chairs on her side of the table. She couldn’t help but notice that the three seats across from her all had pads and water glasses. There was nothing on her side of the table.
Amy waited in the room for what seemed like forever, but eventually, the review committee entered the room. The committee was actually composed of one older, well-dressed gentleman who was obviously the senior loan official, a woman who must have been his secretary, and a young man who served as his assistant and aide.
Amy was struck by the appearance of the older man and he entered the conference room, his graying black hair and smoldering eyes gave him an air of authority. Amy caught herself checking him out and she couldn’t believe that she was captivated by this man who was about to take her home away from her!
After settling into their seats, the older gentleman introduced everyone. “Hello ... Mrs. Moore, is it?”
“Yes, Sir, Amy Moore,”
“Well, Mrs. Moore, my name is Michael Collins and I am the Senior Loan Officer here at the bank. This is my secretary Patricia, and my assistant James,”
“Nice to meet you,” Amy said, shaking everyone’s hands.
“Nice to meet you as well. Shall we get down to the business at hand?”
“Yes, Sir, I guess so,” Amy took her seat again. His secretary picked up her pad and James asked Amy if she would like some water or anything, which she said she would. So he went off to get her a glass of water from the water machine in the bank lobby.
“Please, call me Michael. We like to think of our customers as family and you wouldn’t call your family members Mr. or Mrs. would you?” he smiled.
“Okay ... Michael,” she gave him a weak smile in return.
“Amy, let me start by assuring you that we are here to help you. We don’t want to see anyone homeless and this bank doesn’t need any more properties on its housing inventory, believe me. I understand your husband is in the military?”
“Yes, he’s in the Navy. He would be here, but his ship is deployed and he won’t be back for another four months.” She hoped that by telling him this, he would have pity on her and give her a break.
“Well, I thank your husband for his service and you for your support of him. I’m sure it’s tough not having him around. We here at the bank love our military personnel, and want to do whatever we can to support them as well,”
“Yes, it has been tough. Especially on our daughter. She is only five years old and too young to understand why Daddy had to go away for so long. I tell her he’s at work, but she sees other kid’s fathers come home from work and David doesn’t. It’s hard on her ... she misses her Daddy,” Amy said.
“I can’t even imagine how hard it is for a five-year-old girl ... or her mother,”
“Thank you.”
Michael continued. “Well let me explain what will happen today. We will go over your case with us and see what options are available. We will give you a chance to explain any special circumstances, any plans you may be working on to take care of this and anything else that you feel would help us help you. Then we will render a final decision and call you back in to announce how we can take care of this matter. Sound okay to you?”
“Yes, I guess so,” She started getting nervous, knowing that she didn’t have anything more she could add – they had all the information and she had no more that she could give them to plead her case. She’d played all the cards she had.
He began to read through her mortgage history, checking to see that the figures were correct and all of her information was there. As he did so, he peeked over his paperwork from time to time and Amy couldn’t help but notice the almost hungry look in those smoldering eyes. It made her pulse quicken and her breath get caught in her chest as he seemed to look into her very soul.
Get hold of yourself Amy! she thought to herself, marking it down to her imagination. You’ve been away from David too long!
Suddenly her daydreaming was interrupted when she realized that he was speaking to her. She looked at him sheepishly and realized that he was waiting for her to speak. She collected her thoughts and explained her situation.
“Mr. Collins – Michael – my husband is an E-6, a Petty Officer 1st Class, which may sound impressive, but he only makes about $2500.00 a month. That barely covers the bills and food for us. When David is home between deployments, he works a part-time job and that helps some. But it’s still tough at times. I can’t work – we could never afford child care to watch our daughter so I could work outside the home. It would cost us more in child care than I could make.” As she spoke, she was transfixed by his penetrating stare as he seemed to be looking her up and down.
After she finished explaining her situation, Michael set the papers down on the table in front of him. “Amy, we understand your situation. We see it all the time. But do you think you’ve really tried everything you could to earn the extra money to keep you out of foreclosure?”
Amy was confused and she wracked her brain. “I’ve already told you; I can’t afford to work outside the house. What else could I do?”
“It seems to us that you’re overlooking some of your assets and not using them effectively,” the Loan Officer said.
Amy didn’t understand. “Wha ... wha ... what do you mean?” she stammered. “What assets have I forgotten? I’ve cashed in everything I can think of!”
Michael turned to his two associates, “Would you excuse us for a moment?” With a knowing smile, Patricia and James stood and left the room. Then he got up and Amy noticed a large bulge in his pin-striped pants. Was that what she thought it was? Unbelievably, she felt her pussy starting to moisten as she stared at the obvious hard-on in his pants.
Michael went to the door and Amy heard the click of the door being locked. At first, she didn’t want to acknowledge what was happening, but then he moved up behind her as she sat at the table.
“Well, for starters you could use those tits. They look pretty impressive from here. But maybe we need to have a closer look just in case,” he said. Suddenly Amy felt his arms coming from behind her, unbuttoning her jacket. The jacket fell away, revealing her white blouse with her full tits straining against it. Her nipples looked like little bullets trying to poke their way through the material.
She felt his hands move from her shoulders, slowly sliding down her front then around to her sides and cup each of her tits gently squeezing them his thumbs rubbing over her nipples. Amy hadn’t worn a bra that day and her hard nipples were now thoroughly enjoying this unexpected attention. As she moaned softly, he began kneading and massaging her tits and tweaking her swollen nipples. Amy couldn’t believe what was happening, but she was too overcome from excitement to do anything about it.
“Tell me, what size are these lovely tits?”
“34D ... Sirrr...” she moaned her reply.
“Mmm, very nice.” He watched, silently smiling to himself as Amy squirmed in the chair and moaned softly. As his hands squeezed the soft creamy flesh of her tits, the bulge in his trousers seemed to grow even bigger. Meanwhile, he began to unbutton Amy’s blouse, opening it to reveal her luscious tits. The combination of the touch and the rush of cool air-conditioned room air caused her nipples to harden further and made Amy squirm even more. She looked up at the man behind her.
“What are you doing? This can’t be happening! I came here for help – please, don’t do this to me!” Amy cried.
Michael spun her around in her chair to face him, as he slowly unzipped his pants. As Amy watched in fascination, he gently fished his hard cock out of his boxers. She couldn’t believe the size of it! It was enormous! She figured it must be at least eight inches long and so thick! Out of reflex, she licked her lips as she stared at him.
That was the signal he was waiting for. He sat on the table and pulled her close straddling her and the chair she sat on. As he spoke, his massive cock was throbbing, pointed right at her.
“Here’s the deal, Amy: if you want to keep your house and not end up homeless on the street, you’re going to put your assets to work for us. And just to get you off to a good start, you can show your appreciation by sucking my cock.”
As he spoke, he pulled the chair as close to the table as it would go. The table and the arms of the chair pinned her in place and held her tightly in the chair. She began to struggle and squirm, afraid of what would come next. But Michael held the chair tightly to the table. She was thrashing in protest as he slid the chair forward, putting her face just inches from his massive manhood.
“I-I can’t,” she protested, “My husband would never understand. I can’t do this to him – you can’t make me do this!” But even as she spoke the words, Amy felt an overpowering desire to take his cock in her mouth and suck him completely dry. After all, she was a young, attractive, vibrant woman. She had needs. And David had been gone so long with even longer to go before he would get home.
Suddenly without thinking, she lunged forward until her tongue was pressed against the head, tasting the salty pre-cum that was leaking from the tip. He smiled, then reached down and put his hand on the back of her head, pulling her forward. Amy opened her mouth and willingly took in his massive member, enjoying the sense of fullness as her mouth was stretched to its limits.
It was no longer necessary to restrain her, as she succumbed to her desires and went to town on his cock. Her mouth and hands worked his cock, as he sat on the conference room table watching as Amy gobbled down his cock as if she was starving for it.
While Amy continued to suck and lick Michael’s shaft, he reached down between her legs. Amy had been so worried about the meeting that she had forgotten to get pantyhose, so she had put on one of the only pairs she had – her thigh-top stockings.
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