Debt Adjustment (with drrnchambai241)

[Tangerine]

Little dimples in pink cheeks accompanied a forced smile. Said faux expression was flashed at every foreign face she had encountered since she stepped into the building. She could be considered neither shy, nor withdrawn. However, strolling among a group of people whom she would describe as hazardous thugs admittedly lowered her self-esteem and stirred an unavoidable sense of worry in the twenty-three-year-old. This wasn’t her first time paying a visit to this shady organisation. Some of her close friends had warned her this moment might eventually come, that she might find herself in a pretty pickle to explain she needed more time to pay off her debt. Undoubtedly, it wouldn’t have been such a distress if she had opted for a bank loan instead of getting it from a loan shark.

At the exact spot one of the big boss’, so to speak, goons had told her to sit, Megan patiently awaited her turn to speak with the head of this hardly legal organisation. Her raven black locks flowed down in gentle Waves, framing her awkwardly smiling face on either side. Her dark blouse complemented her hair, while a pair of jeans hugged her bottom and hid the prettiness of her legs. Her hands were resting on her lap, her fingers rather restless. She had a modest photography studio somewhere near the downtown region of the city. Since her artistic ambitions tended to overwhelm financial concerns, her business wasn’t doing so great. Lately, paying the rent had been quite difficult for her, hence she had decided to borrow money from this lovely establishment a few months prior. The money she had yet to be able to pay back. Avoiding people like this wouldn’t have been smart. Instead, Megan had just elected to ask for a delay in payment.

Long eyelashes brushed the air as the brunette client looked up at the man who towered right before her. Snapping his crude fingers, he simply pointed out that she was expected. “Thanks.” Her gaze shifted from the man’s index finger to where it was pointing to. Summoning up her courage, she got to her feet. Her green eyes were fixed on the door she unhurriedly headed, unaware of another set of eyes that admired the natural sway of her denim-clad bottom from behind. There were quite a few empty ice cream cups at her home, consumed to cope up with the worry of losing her small business. As a result of this habit, her trousers felt tighter than usual around her hips.

A few knocks on the door announced her arrival before Megan opened the door, stepping inside her moneylender’s office room. “Good afternoon, Ms.” She walked up to the desk, her purse sadly lacking the funds to make this meeting a less concerning one. “Hope you’re having an excellent-oh so sorry.” Noticing that she had forgotten to close the door, she abruptly turned back. As she raced back to the door, Megan allowed her host to see her from a different angle. After closing the door, she once again faced the woman, all the excuses she could make crossing her mind at once.

[drrnchambai241]

For Laura O'Brian, her day had been going very well. Her business is doing well and she had three young ladies borrow money just that morning. Becoming a loan shark was never something that she had never anticipated in life. As the daughter of a wealthy industrialist, her future seemed bright with the many possibilities that her station could afford to her, but after a massive falling out with the family, she found herself disowned. Not wanting to let the experience break her she had decided to cash out her money and began a small unofficial loan company. Initially, she wanted to do things peacefully, but when some of her "clients" refused to pay what they owed, she had no choice but to employ some... persuasion in order to get her money back. What started as a small-time loan company eventually grew into a respected crime syndicate with her at the top.

Being only 25 years old, the fact that people both respected and feared her was a testament to her abilities. Now she was in her office was waiting for an old client to show up. The client had previously borrowed about twenty-five thousand pounds in order to start some photography business or something like that, and now was the time for her to pay up. Laura enjoyed intimidating debtors, so she wore a white dress shirt, with skin-tight black pants that hugged her well-toned waist and legs. She also put on a pair of high knee boots. This was all to give her an "aristocratic" look. Her red hair was in a tight bun, and her green eyes were as intense as ever, especially with her makeup.

When Megan entered her office, she was as clumsy as ever; forgetting to close the door behind her. Which was a little pet peeve of hers. Though she did get a good look at the ample behind that she had on her.

"So, Megan I hope you have my money," Laura asked with her arms crossed and an eyebrow raised.

[Tangerine]

The air of confidence and sternness that appeared to surround the entrepreneur-turned-shark didn’t help Megan feel more relaxed. On the contrary, confronting that young woman only made matters worse in terms of admitting she wasn’t necessarily there to pay her debt. She suspected the amount she owed must have been rather small for a wealthy individual such as Laura. For her however, this wasn’t the case. Megan had already spent most of it buying new equipment and doing some renovations, which made things more complicated. It was a promising investment, that had yet to pay off.

The fact that the woman did remember her name could have been a good sign. Or perhaps it was bad that she hadn’t forgotten about her. Megan’s trainers didn’t make much of a noise across the floor as she walked closer to her smartly dressed host. Straight to the point, Laura surely didn’t wait long to ask about her money. Her immediate response was nothing in this case. “May I sit?” Trusting the woman wouldn’t mind if she just rested her hips a little, Megan sat in a guest chair. It wasn’t necessarily about her seat, but she was hardly comfortable in the presence of Laura.

“I can say I put your money to good use, Ms.” Megan started, of course wearing her good girl mask. Sadly, she didn’t have the same boldness her illicit counterpart seemed to always possess. Blatantly telling the young woman that she was currently unable to pay her was no easy task. While she struggled to maintain eye contact, her slender fingers tapped on the desk. “Though, I may need a little more time to pay my debt in full.” Megan finally managed to spill the beans. “I’m sure a businesswoman like you would understand.” She sent a lukewarm smile across the desk. It must have been a common inconvenience for establishments like this: to have clients who had trouble discharging a debt. At least, Megan looked more appealing than most of them. “Your hair looks splendid today, by the way.” Hoping to soften the mood a little, she offered a compliment.

[drrnchambai241]

"Yes, make yourself comfortable," Laura replied in a voice that came of as slightly cold.

As she listened to the woman's explanation, Laura could not help but feel slightly annoyed with her. From the "sales pitch" that Megan had given her before, she had anticipated that she would be able to make back the money that she borrowed along with interest on it. Yet she had to listen to the obviously nervous woman tell her that her repayment will be late.

Just looking at Megan, it was plain to see that she was terrified. That was the point. People needed to know that she was not to be trifled with and that any violation of their "contract" would end badly for them. Laura prefered not to send her goons out to handle anything to avoid getting any authorities involved. Because of this, she devised her own way of dealing with late debtors.

"While I thank you for the compliment, you have to understand that I am running a business here. The reasons for your inability to repay me is none of my concern. I just want what is owed to me. From the sounds of it, you may not be able to repay me back for quite a while." Laura smiled a little, though her voice sounded slightly bored. She dealt with situations like this before, and she always got something that she wanted out of it.

"There was something a little extra that I didn't mention when I loaned you all that money," Laura said, "but first, I want you to stand up and turn around."

[Tangerine]

Not being able to see through her host and make out whether she was angry, just frustrated, or slightly unamused made Megan more nervous. Of course, she was all ears and compelled to attentively listen to what Laura had to say about the situation. Both receiving a scolding and a slap on the wrist were on the table of possibilities. In the end, she was hoping to exit the building as healthy as she had entered. Unlike a bank, she was directly talking to the individual who made the calls, which could be both good and bad.

Although she hadn’t done much talking, Megan’s throat felt sore. Asking for a warm cup of tea, or just a glass of water was, of course, out of question in a place like this. “You’re doing a splendid job running it, I must say.” The young brunette couldn’t help but squeeze another flattery in the woman’s speech. Other than that, her funder summarised things rather well, that she wouldn’t be getting her money back for a while.

It wasn’t exactly a comforting revelation, but Megan wasn’t quite surprised to know that the loan shark hadn’t given her all the details of her contract during their first meeting. She supposed, this was how these shady people operated, not elaborating on things until it was necessary. “Yeah, sure.” Megan offered a few nods of compliance. Since she doubted the woman was done with her, she didn’t bother to pick her purse back up from the top of the desk.

Her appealing behind stopped occupying a set in the room as Megan sprang to her feet. Like her jeans, she used to fill the chair quite well. It was a moment she would have felt safer if she had worn a bulletproof vest of sorts. “Like this?” Taking a step back, she turned around. Her new orientation displayed the back of her long hair, and something else as well. “You’re not gonna shoot me in the back, are you?” Megan looked back over her shoulder.

[drrnchambai241]

When Laura got a good look at the woman's backside, she could not help but smile. Her bottom was a healthy shape that just begged for someone to reach out pinch or smack. Laura had always known she was attracted to women, in fact her attraction was one of the reason that lead to her arguement with her family and being disowned.

"You don't to worry about being murdered here, that's not how I operate." Laura told her in an attempt to give some assurance.

Walking up to the woman, Laura came to a stop in front of her, and lifter her chin up with her fingers.

"Since you couldn't pay me back today, you're in violation of the contract we made. And according to the contract I have the right to punish you as I see fit." Laura told the woman in a strict no nonsense voice. Talking a step back she grabbed a chair and took a seat.

"Because of that, I've decided to give you a nice hard spanking."

[Tangerine]

The response she got to her half-jokingly expressed concern bestowed Megan a pleasant sense of relief. Despite that, standing under this roof, and especially within these walls, filled her with paranoia. She couldn’t help but feel as if something rather bad could happen to her at any given time. Not knowing how to interpret that newly blossomed smile on the woman’s charming face, she just returned it with a silly grin of hers. It must be a good sign she supposed. Of course, Megan would have highly preferred to have her host’s lips stretched to anything that would give her a frown of intimidation.

Perhaps in an unnecessary concern, but her heart almost skipped a beat when Laura decided to abandon her fancy seat to near her. Since it was her own request, Megan figured it wouldn’t be considered rude to have her back turned to her host. Her eyes attentively tracked the whereabouts of the young business owner. Her head turned with the Laura, till the woman eventually stood right before her. Her head felt pretty much weightless as she was taken by the chin.

As if Laura was a bird of prey—in a way, she was—Megan averted her gaze away from her predator. Her eyes instead found the young woman’s boots. Despite seemingly busy inspecting those tall boots, she was listening to her words quite eagerly. “Violation is a strong word.” Expressive eyes eventually moved up again. With them, her inner brows arched up as well. “I’m truly sorry. But I’ll pay you back.” Megan promised.

“Punish me?” Feeling puzzled, and certainly worried, Megan questioned as the businesswoman let go of her face to grab a chair. And soon, what kind of punishment awaited her was revealed as well. “Oh… This is why you made me… oh.” Her hands almost moved by themselves as Megan instinctively pulled them back to cup her cheeks. For a moment, she quietly watched Laura, who was getting comfortable on her chair in front of her. “I’m sure such a busy woman like you must have awfully more important jobs than spanking me, Ms.” Briefly, she imagined herself over her creditor’s lap. “Right now?” She asked.

[drrnchambai241]

“Yes, right now. No time like the present,” Laura replied with a little smile on her face. Honestly, Laura was as annoyed at not getting her money because it usually meant that her debtors had to take a “trip” over her knee for a spanking. Laura remembered giving her first spanking when she first started one of her clients had tried to proposition her for a different method of settling her debts. After suggesting a few other options, she and the client had agreed on a spanking. After that day, she was “addicted.” When dealing with new clients who could not pay their debts, she made it a point to use her leverage in order to get them over her knee. After a while, she began experimenting with further methods to make these sessions more interesting before finally settling on her preferred repertoire.

“This is how it will work Megan. For every 25 smacks you take, I will reduce your debt by 100 pounds. With an implement such as a belt or hairbrush, it goes down 150 pounds. You also have the option of taking some optional punishments. For every full enema you take, your debt will drop by 2,000 pounds, a figging will drop it by 500, and a public spanking will reduce it by 300 for every person who watches. You can also take your spanking all at once or over the course of weeks.” Laura said will a calm voice. The line had become routine for her at this point since she had to say it countless times to various clients in the past.

Now Laura simply waited for the response from Megan.

[Tangerine]

The punishment aspect of the situation was clear enough. Things seemed a bit more complex than a mere penalty for delaying a payment though. It sounded like a debt reconstruction rather. Instead of a spontaneous idea Laura had come up with on the fly, she figured it was actually a common practice all financially troubled debtors had to go through. Perhaps not all of them, but those who were qualified for the task. After all, Laura had first wished to assess the worth of the assets through some presumably inspective glances.

To an extent, it was a funny thought: practically making money with her butt. There was a name for people who used their bodies to earn money, which Megan preferred not to think about at the moment. For now, the young brunette simply listened to the businesswoman as she elaborated on her offer. If it was an offer and not a demand, that is. And like any good manager, Laura did a good job describing the details of her comeuppance. The more she talked, the narrower Megan’s lips became. She had to swallow hard to cope with the images flashing into her mind, a random gal shoving things into her bum, spectators witnessing how her butt dealt with firm smacks.

What seemed a pretty casual thing to describe for Laura was quite distressing to comprehend for Megan. She walked up to her host. “Ms?” Sinking to her knees before the founder of this lovely business, Megan continued. “There’s no way I can take it all at once.” Assuming she could spare her butt the extra punishments, she doubted her bottom could live through over six thousand swats. While considering, she blankly stared at the walls and random office supplies on the desk. “Twenty-five for a hundred…” Megan faintly talked to herself, wondering if her certain body part was priced above or below average. Her hands rested on Laura’s knees, where she would probably putting her butt soon. Understandably, she was quite reluctant to offer her backside to a loan shark like that. Undeniably though, her financial difficulties were breathing down her neck.

To meet the woman’s eye, she looked up. “Would you like to do it over your knees?”

[drrnchambai241]

Watching Megan contemplate her offer was an interesting piece of entertainment, like the many others that came before her, she was torn between accepting her offer or running to the hills screaming at the top of her lungs. Laura was a patient woman, some of those who failed to pay had initially refused her offer and promised to pay her back at a later time only to come back crawling from their failure and enduring the sting of her hand, paddle or belt.

After a couple of minutes of just standing there, Megan suddenly sank to her knees. This was something new. Thought Laura and the woman before her had a defeated look to her expression. She heard a little mumbling coming from her, though she could not pick up what she had said.

Then Megan looked up at her and asked her a question, which brought a smile to Laura's face. "Yes, Megan. I want you over my knee."