Chapter 1

Wendy Monroe sat at the table with her head held in her hands and sobbed gently, she had been sobbing all night. She had been crying for 2 days ever since he found out that her husband had falsified some informational a loan document, the Bank was threatening to have her arrested and tried for fraud. Her attorney told her that she had no recourse, the only thing she could do was come up with the $10,000. She had tried to borrow money against her BMW, but she found out her husband had already borrowed money against the car and there was no equity left. She had checked with a real estate agent to see if she could get some money out the House equity, but he had also took a second mortgage on that too. All of the nearly quarter million dollars her father had left her was gone too, and she was penniless without it even a job. Wendy poured herself another glass of bourbon and began sipping on it, while praying for a miracle that she knew would never come. A friend had told about a man that everybody just called Mr. W, he loaned money to people without collateral, because if they didn't pay he would show them the error of their the ways.

Wendy brushed her blond hair out of her eyes. At 38 years old she still had a very good figure with a nice 34 C bust line that no sag even without her bra. She was proud that she only weighed a 128 lbs., and stood 5 ft. 11 in High. What she was sorry about was that she had put so much trust in the man that she though was her husband, only to find out the he was a bastard. Wendy did not know what she was going to do she was afraid to go and see Mr. W, but she was more afraid of spending time in jail for fraud.

With trembling fingers Wendy picked up the phone and dialed the number, then she almost hung up when someone answered at the other end of the line. The secretary gave her appointment that afternoon at 2:00 p.m., and then gave her the address down town to come to. Wendy parked her BMW on the street in front of building and then followed the directions to the office, where she was greeted by the secretary seated behind her desk. There was only one other door in the office, and the secretary told Wendy to go on in she was expected.

Mr. W turned out to be a man about 6 ft. tall, about 220 lbs., but slightly graying hair in his mid 40's. He waved her to a chair across the desk from him and waited for her to sit. He was the first to speak, "I hear that you need to borrow some money, and you must go to unconventional source because of your lack of collateral. The people I represent also must have some form of collateral; the days of breaking bones for nonpayment are over. We are now just businessmen making living, sometimes we except different forms of collateral and a bank would, but we still need some form collateral. How much money you need?"

Wendy wished she had some bourbon now as her throat felt dry, "I'm in a bad way right now, my soon-to-be ex-husband ran off with another woman. He borrowed money against my BMW, House, and hocked all of my good jewelry. The worst thing he did though was he borrowed $10,000 from the Bank, and he falsified the papers then had me to sign them, but I trusted him. Now the bank says I have less of a week to come up with the money in full or they will turn the papers over to the state's attorney. I've talked to my attorney and he told me that if I don't come up with the money I will go to jail. I have exhausted all my other forms of Finance, and you're my last hope. I don't have anything left for collateral except my word that will pay you back. I hope you can find some way to help me."

Mr. W leaned back at his desk, "Well Mrs. Monroe or would you rather me call you Wendy?"

"You may call me Wendy, I just hope you can help me."

Mr. W continued, "OK Wendy, you are in deep trouble. Lets go over the fact's, you don't have any material collateral, you have a very short amount of time to come up with the money, or go to jail. You seem like a rather well educated lady, but I would guess that you never worked a job in her life other than charity work at the hospital. So if I did loan you to the money how are you going to be able repay it? My associates charge 10% interest per month on in the unpaid balance that means that the interest each month on $10,000 will be a $1,000 your not going to be able to pay that interest working at McDonald's. I'm sorry that I have to ask these questions of my associate's demand it. Have you given any thought to repayment of this loan?"

Wendy sat stunned for several minutes, he was right she had never worked other than for charity in her life, and now the interest she would have to pay would be sizable. "No, I have not given much thought to how to repay it, my first concern has been how to stay out of jail. I will do whatever I have to pay the alone back to you." Wendy felt her last chance slipping away, and she began to sob.

Mr. W handed Wendy a Kleenex before speaking; "Well your alternatives for coming up with the money to repay a loan are going to be very few. I can only think of one, and I'm not sure your suited to that way of paying off the loan."

"Mr. W I will do whatever I have to do, because anything is better than going to jail. If you know a way of getting and repaying the loan, please tell me what it is?"

"The only way I can think of is as an entertainer."

Wendy had a blank look on her face, "what do you mean entertainer, I can't sing and dance I don't understand what you mean?"

"I wasn't talking about that kind of entertaining I was referring to something of a more personal nature. I will understand if you're not interested, but that's the only way that I can suggest that will allow you to pay off the loan. The choice is yours to make, but I can't consider loan unless there's a way of being repaid."