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 as 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." 

"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." 

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. 

And now Michael was reaching between her legs, hiking up her skirt and rubbing her pussy through her soaked panties as she continued to leak her juices. She squirmed in the chair and moaned louder as he pushed past the lacy garment and slipped his thick finger straight into her drooling fuck hole. He finger-fucked her cunt and rubbed her clit, causing her to gush even more. Amy couldn't believe how good it felt! After two months of nothing but masturbation, this was pure heaven!

Amy renewed her focus on Michael's cock, even though her pussy had her distracted. With both hands wrapped around the thick shaft, she used her tongue to circle the head, then plunged as far down as she could. She played with his balls, caressing them and rolling them in her hand as she increased her tempo. Faster and faster she licked and sucked, blocking out the fantastic feelings coming from the rest of her body.

Then Micheal unexpectedly pulled away from her. As he stood back up he helped Amy to stand. He hefted her up on the table and laid her back on it. Taking her legs in his arm, he slid Amy's panties down and off, then pulled her forward. Suddenly Amy found herself straddling Michael and realized what he was about to do. Once again, fear kicked in and she began to protest.

"Michael, please! Oh God! I can't do this! You don't understand, what happens if - how will I explain…" 

But she was cut off in mid-sentence as Michael's powerful hands grabbed her hips and held her as he rammed his huge hard cock into her sopping pussy. Amy was plenty wet and lubed up enough he slid slickly into her fully. 

Amy squealed as she felt him open her up quickly. She reached out and clawed at the desk as he began fucking her hard and deep, not letting her have a chance to get used to his size or even catch her breath. Amy had nearly forgotten how good it felt to have a man inside her. Almost involuntarily she began to move up and down, taking his hardness deep inside her. Her hand slid to her pussy and she rubbed her clit, enjoying the filling sensation.

Amy felt her body respond to Michael's powerful thrusts. Even though mentally she was shocked and alarmed at Michael's outrageous assault, her body was responding almost as if… as if it liked it! She was confused - how could her own body betray her like this? She tried denying herself the pleasure she felt, but Michael's cock was insistent. She tried reasoning with it - telling herself it wasn't her fault - he forced himself on her. But that didn't work either; she was enjoying it.

She struggled against her own desires until she realized that it was useless to fight it anymore. Her body craved what Michael was offering too much and she knew it was a hopeless battle. Finally, she surrendered to her primal side and let herself relax and be swept away in Michael's relentless invasion.

"Ohhh…. Oh, Michael! Please…" she moaned, her head rolling back and forth as she felt herself being lifted being lifted to the heavens and then watching herself get fucked and watching how much she enjoyed it. Amy could feel her passions becoming more than she could hold back and she knew that a few more powerful thrusts and she would lose all control. She silently prayed that he would allow her that release.

"Please Michael, please… make me cum! Oh God, please make me cum, Michael" she finally cried out. He had won - she surrendered herself to his will. She couldn't fight him anymore. She needed him too much.

"OhmyGod, Michael!" she cried out loudly "I'm cumminnggg! Ohhh, God, I'm cuuummminnggg!!" and she felt her pussy clamp down on Michael's hard penetrating shaft as she filled her pussy with her juices. 

She arched her back until only her ass and the back of her head made contact with the table and her whole body began to quiver uncontrollably. She grabbed the edge of the desk, clinging to it like a drowning person clings to a life preserver. Michael kept his pace even as she came wanting to make sure she knew he had taken her and now owned her.

After what to Amy felt like an eternity in the black void, she slowly came back. Dreamily, she looked at Michael and she must have smiled at him - she didn't remember - because without giving her any time to recover, he hoisted her legs until her ankles were on his shoulders. He wrapped one arm around her legs, right above the knees and held her close to him. His other hand guided his cock to her… ass?? Surely he wasn't going to… oh, my God, he was! Michael was going to fuck her asshole!

She began struggling against this new invasion. David had only tried anal sex with her once before and Amy wasn't very excited about it then. She tried it because he wanted to, but she didn't really like it. And David wasn't nearly as big as Michael. Amy began twisting and turning, trying to escape. But she knew it was hopeless. Michael was far too big and far too strong for her to have any chance.

Then Amy felt something rubbing against her asshole, teasing it and getting it ready. Then she felt an unusual pressure and realized that it was the head of his cock. She stopped her motion and tensed as she felt him ease his six inches of hardness into her tender ass. With his cock already slick with her pussy juices, Michael slid easily into her ass, stretching her tight ass and opening her wider than ever before. The feeling was incredible!

Once Michael had opened Amy's ass and established a steady rhythm, he used his free hand to start massaging her clit and fingering her pussy. Amy went crazy - she was being fucked and fingered in both her openings! She lay there on the table in rapturous delight. Michael obviously knew what he was doing - he was coordinating his movements between her pussy and ass alternating as each moved in and out of her holes.

"Ohhh, God Michael! Oh fuck, I'm gonna cum again!" she cried out, sensing she was nearing the precipice again.

Michael only increased his speed and began rolling her swollen, throbbing clit between his fingers and pinching it between the wet folds of her pussy lips. His actions pushed her over the edge into yet another crashing orgasm.

"Ohhh, fuuuck Miiichaaael!!" she cried out loudly and once again she erupted and poured her sweet juice out onto the table and running onto the floor. She lay there quivering violently as the orgasm worked through her. As the last throes of her orgasm diminished slowly, he pulled her off the desk and forced her to her knees on the cum covered floor.

"Now it's my turn!" he said, and he shoved his cock into her gasping mouth. Amy could taste her pussy and her ass on his cock but at that point, it didn't matter anymore. Besides, the taste wasn't bad - a little musky and earthy, but not altogether unpleasant. She went to work sucking on his cock, running her tongue along the underside and doing all the things she knew David liked.

David! she thought to herself, What would she tell him about all this? She decided she wouldn't tell him anything about this. Somehow she would have to hide this incident from him and never tell him what she'd had to do to keep the house. She wasn't proud of what she was doing, but she didn't want for him to come home and find that his family was living on the streets or in some shelter someplace.

She concentrated at the task at hand wanting to get done with it. She could feel Michael's huge cock swell slightly and his moaning told her that he was close. She prepared herself to receive his load, intending to swallow it down and then be on her way. She didn't have to wait long. Michael held the back of her head and his cock erupted in her mouth. He shot spurt after spurt of scalding white cum into her mouth. Amy swallowed as best she could to try to keep up, but there was no way. He filled her mouth over and over - she had never seen a man cum so much! It leaked out around his cock to dribble down her chin and fall onto her exposed tits.

After filling her mouth several times and covering her tits with the excess, his balls were empty and she was able to suck the last few drops from him, cleaning him off as she slowly withdrew his softening cock from her lips.

"My God, Michael! That was some cum!" she said when he was finally finished. He helped her to her feet and sat her back down in her chair at the other end of the conference table.

"It was pretty good," he said, rather casually.

"It was better than ‘pretty good', Michael; it was amazing!" she said.

"Well, thank you. You were pretty amazing as well," he said. "And that brings us back to the reason you are here. Your mortgage."

"Yeah, that…" she said, looking down at her hands in her lap.

"Amy, I am the head of a group of private investors whose goal it is to help good people who, through no fault of their own, have had a run of bad luck, financially. I think they could help you. But they are businessmen… they will want some form of repayment. And so, in order to facilitate that, here's what I am suggesting. You will go to work as our "public relations specialist". 

This job will be mostly in the late evenings where you will entertain us and our guests. This won't be an every night thing; rather you will be on-call, in a manner of speaking. But when we need you, you will come to the designated place and…"

Amy sucked in a breath realizing how that sentence would end. 

"We will send someone to care for your daughter, staying in the house with her while she sleeps, so you can concentrate on work. In return for your duties, our investors will waive your mortgage payment for every month your services are needed. If we call on you once during the month, you will only owe half your regular payment. If we call on you twice, your mortgage is waived completely. Understand?"

"Michael! What you are proposing… that would make me a…" she couldn't finish her sentence. She clamped her hand over her mouth in utter shock.

"A whore. Yes, Amy, if you wish to look at it that way, it does make you our whore. However, we prefer to look at it as payment for your duties as performed. We have some very important and influential people on our rolls, Amy, people who could make life for you and your family very comfortable. I am willing to help you and your family live a better, less stressful life. I applaud your husband for his duty to our country. Why not let us help you while he is away doing that?"

"Today was a test…. I wanted to see if you would be willing to cooperate with us at all. And you have done very well. You have proven that you are a wife and mother who will do whatever it takes to care for her family - even when that requires distasteful measures."

"Now I am offering you a chance to put that motherly instinct to good use and provide a very comfortable life for your family. Wouldn't it be nice to not have that mortgage hanging over your head every month?" 

"Wouldn't you like to never worry about whether you'll be able to make the bills? How would David feel about having a new car to drive when he gets home? Or a bank account that actually has something substantial in it? Isn't there someplace you and he have always dreamed of going? I'm offering you a way to do that, Amy. All you have to do is agree to work for us."

"I'll tell you what, I will let you think about it for a couple days. We will put a hold on this foreclosure until I hear back from you. If you agree, then we will take care of this nasty foreclosure. And if you decide not to… well, let's hope you use your ‘assets' wisely," he said.

Amy went home with a lot to think about. Becoming a whore was not something she was really thrilled about doing. And she was sure David would not be pleased about it. If word got back to him about anything that happened today, it could be very, very bad.

Still, she can't overlook the money. Even if she was able to pull them out of this tight spot (which she seriously doubted) there would be another one next month. Or the month after. The bills were just more than David's Navy pay covered. Having no monthly mortgage payment would be a Godsend!

Amy laid in bed that night unable to sleep, her head spinning with all this. She didn't care so much about herself, but she was concerned with her family. Suzie would be starting 1st grade in the fall, and there would be school clothes, school supplies, and all the other assorted costs - none of which would be easy to come up with. And David was never assured that the part-time job he left to go on deployment would be there when he got back. He had been lucky the last couple times, but he never knew for sure. And without that extra bit of income, making the bills was hopeless! It was nearly that even with his part-time job.

The sun peeked in through her bedroom window signaling the start of another day. Amy was still torn about her dilemma but put it aside to help Suzie get up and have breakfast. After breakfast, Suzie went to play in her room, and Amy began doing her housework. 

As she was loading some clothes into her washing machine, she looked at the old, nearly worn out machine. It had given her a long life with a great many loads, but she knew it was just a matter of time before it would give its last. Replacing the old girl would be a very big deal. 

And her clothes dryer wasn't far behind. In fact, there were several things around the house that were on their last legs and would need replacing before long.

She picked up the telephone and dialed the number. "This is Michael Collins," he said.

"Can we meet - I'm ready to go to work," Amy said.