Monique's bad debts had reached a crisis.

"How does it work?"

"Well, you call this number. They never answer, but someone will eventually call you back and give you a time to call again. I had butterflies."

"What happens?"

Monique was discussing her bad debt problem with her girlfriend. She is a short light brunette, with her hair cut into a stylish '20's helmet. Her body is solid and lithe, with modest breasts and pleasant eye-catching feminine hips. Her facial features suggest a twinkle of naughtiness. She moves and chatters constantly, in an adolescent style which begs for intervention. Men find it impossible to avoid a double-take when she passes by, and minx that she is, she knows it. She tends to prefer short knit dresses, which show off every inch of her slinky body.

"The guy will meet you somewhere in public, at a restaurant or mall or something. He explains how it works, out in the open, but quietly."

"So tell me. What happens? I need to try to do this."

"He'll ask you how much money you owe and how it got that way and why you don't just pay it off. When he sees how much trouble you are in, he'll tell you what he will do. It isn't nice. I wish you'd talk to him. This is hard for me."

"You've got to tell me. I have to do this. Please, what happens?"

"Well, he arranges to meet you somewhere very private for a few hours. He's a bit of a weird pervert, and you're going to have to let him do some things to you I doubt you have ever experienced. He won't hurt you, but you'll be shocked and have a hard time with it. I cried a lot during my, uh....treatments. Then he sits at a laptop and sends the amount you owe when your time is up. You can see it happen with your account information. You can check it."

"Why doesn't he just cancel it or something after he's finished and you're gone?"

"Because he hopes you'll get in trouble again...he says some girls do...and have to come back, or maybe tell your friends about him. Look at us talking. I can't imagine having to call him again. He is naughty and nasty. Look, he will love you. I've had my time and know what he does, one look at you and he will LOVE you and I'll bet he will pay big time."

"So? Please, what happens?"

"Well, he'll have your clothes off in short order. Everything. You'll be bare naked for the rest of the visit. He loves boobs and especially butts. What you've got will drive him crazy. He loves to spank and whip, and, oh, very hard. I didn't sit down for two months without thinking of that day, and I hid my bottom from my boyfriend for a long time and then I still had to make excuses -- like I fell ice skating. You'll have sex in different ways and get the feeling you won't want another orgasm for a year. He'll make you come, and big time. It's hard to describe. He loves to make you miserable. I think it gets worse when he sees you start to cry. He figures out things you don't like, and he knows things you never dreamed of."

"Jesus. He doesn't hurt you, just weird? Like, uh, how weird?"

"I don't know if I can....oh, it hurts all right. Well, ever had an enema, a big one, a slow one?....anal sex?....he has a huge, uh, cock. You'll be shocked. I was. And he gets...very excited. He likes to pinch things...clothes pins, in places you can guess, you know? He'll shave every little hair he can find. And exercises...you'll jump around naked until you think you can't stand up, then he'll do something nasty and you'll jump some more. Do you mind needles at the doctor? Well, he..... All these things keep him very turned on, if you get my drift. It was awful. You think you've satisfied him? You can suck and suck, and 15 minutes later he is rock hard again. There's more....I don't have the nerve to tell you, but he kept his word and sent that money. I saw it go. And he helped me to confirm it. I typed the keys, and my secret debt problem went to zero. Home free. I was sore in a few personal places, you can imagine, but no damage, and I think of it always when I pull out my credit card. I learned a lesson."

Monique churned her stomach and finally got the courage to make the call about 8 PM that evening. As expected, she got a message. She was asked to leave her first name and number and state the reason for her call. She stammered a bit. "Uh, a credit card problem."

Two days later she got the call. "This is 4569. You have a credit card problem?"

"Uh, yes."

"You know why you called me? Maybe a friend suggested it? We fund credit card payments in return for some, ah, recognition, an understanding. We prefer to discuss this in person. Do you understand?"

"Yes, I can meet."

"Good, I'll meet you in the Starbuck's on the lower level of the mall in your town. I'll wear a bright blue necktie. You say, 'I met Monique yesterday' and I'll say, 'We should talk.' Don't bring anyone. We'll be watching."

The following Thursday at 2:30 Monique sat in the mostly empty coffee shop, hiding the fact that she was nervous as a cat and on the verge of making an emergency dash to the ladies' room. After 15 minutes waiting, a graying middle-aged man with a bright blue tie bought coffee and passed near her. "Hi, I met Monique yesterday." He paused, made some light conversation, then sat down with her, relaxed and was openly friendly.

He spoke in code which would be impossible to understand if overheard. "How big is the problem? Two numbers."

"About 16."

"That's more than I expected, but it can be fixed. Might take two -- no, three working sessions, though. You've read about the process. Meet me at the south entrance and we'll walk out and see the car."

As they walked to Monique's car, he talked quickly. "That's a lot of money, at least three sessions, most of a day each. Rather tough. You understand what happens?"

"Sort of."

He looked around to see if he could be overheard. "I get my fun for the money...naughty sex and stuff. You're going to sell yourself to me for a while. I love pretty bottoms and hard spankings every which way you can imagine, and things new to you. You'll be a changed lady after a few hours and your man is going to wonder where all these strange new desires you have came from. I will send you a dental appointment card which you confirm by phone. We'll meet here, as close to this spot as you can park, and you will go with me. Dress lightly, because you won't need clothes, and the prettier you make yourself, in every way, everywhere, the less sore you will be at the end. And make your excuses to be away about 8 hours."

About a week later Monique received a card with three dates suggested. She confirmed a 4-hour session on a Tuesday afternoon two weeks away. The calendar slowly turned, as did her stomach, and her sleeping habits. A good way to lose weight. As for using her credit card, that stopped immediately.

On the appointed Tuesday, she took great care wiith her appearance, shaved her legs, trimmed her pubic area carefully as well as between her legs with a little electirc razor, scented herself in intimate places, as if she were going to make love, and worked on her face for at least a half-hour, even though she was pretty enough not to need to do anything. At 3 PM she parked at the mall. In a moment, the gray fox-guy pulled along side. "Lock up and get in."

With just her purse, she got in the front seat with him. "You can call me Ted. Scared?"

"Yes..."

"Well, I want your repeat business, so just look at it as a hot time in bed and a good spanking. You'll be back here by 6:15. We'll sit here a minute while your pulse slows down.

"Good, let the fun begin. Now I want you to slip your panties off and put them on the seat here. Take your time. No one can see."

Tears welled in Monique's eyes. She hesitated and looked mournfully out the window. "You said you owed 16,000?"

"Yes. It's a little over 17,000, but no more." She got the message and began squirming on the seat to get the panties off under her black dress. She placed the smallest pile of black cloth on the seat.

"Nice. Let's take a ride."