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Hailey's Bad Debt

Puddy

Registered User
Joined
Jul 17, 2003
Messages
34
Points
6
Hailey walked into the office of Mark Hollinger nervously. He worked for LoanCheck, a payday loan company the services of which Hailey had used. She was present to attempt to explain why she had taken money from LoanCheck but not paid any back, as she had promised to do two months ago. The reason was that she blew the money gambling on football games - she was so sure that Kansas City was going to beat the spread! - and she didn't make nearly enough to pay back the money and pay her other bills. She groused to herself about her gambling problem, yet again, as she sat in the chair opposite Mark that was offered to her.

"Hello, Ms. Hailey...Dent," he said pleasantly, reading a form. His suit was neatly pressed and very dressy, contrasting with Hailey's jeans, t-shirt and flipflops outfit. Her shoulder-length red hair was teased out, while his head was balding; Mark was clinging to his remaining hair. "We at LoanCheck understand that paying back loans we make isn't always easy, but we do kind of have to insist upon it because, well, if we give people money and they don't give us any back...you can see how our investors might get a little upset."

"I understand," said Hailey. "But I..."

Mark held up a hand. "I know the drill. You don't the have the money now, but you swear it will be coming soon." Hailey nodded, this had been her plan. "Well, we need the money now."

"I...I don't have it. Honest," Hailey said miserably. It was the truth. Not for the first time, the twenty-two-year-old wished she could stop gambling.

"I believe you," Mark said, in what he hoped was a sympathetic tone. "Fact is, we just don't care." The tone had lost its sympathy. Hailey grimaced. "But, fortunately, we do have a way for you to get us the money you owe." Mark smiled, but Hailey was not reassured by it.

"H...how?" she asked, tension creeping into her bones. She shifted her feet.

Mark passed her a paper. It was the one she had signed when she took the loan. "This paper you signed says you agree to start paying the loan off within two months," Mark informed her. "What I guess you didn't read before you signed was what happens if you don't follow up on the agreement." A lump formed in Hailey's throat. "Go ahead and read it," he said, smiling again. Hailey glanced at the door, thinking of leaving. "Just read it, please," Mark insisted.

Hailey read the paper, blanched, and suddenly was overcome with fear and anger. "You...you can't do this!" she sputtered. "This isn't legal. Is this legal?"

"You signed your agreement," Mark said matter-of-factly.

Hailey looked down at the floor dejectedly. Maybe it wouldn't be so bad, she thought. At least the debt would be taken care of. She just had to...play along for a little bit. "Fine," she said, throwing her pride out the window.

"Excellent! I'll ready your room," Mark said, showing a thoroughly unprofessional level of excitement.

****

Twenty minutes later, a trenchcoat-clad man entered Mark's office. He had a dark-brown goatee and blond hair. Mark welcomed his new guest and offered to shake his hand, but the man refused him.

"Uh, so," said Mark, trying to rally, "why don't we..."

The man cut him off. "Is she ready?" he said. His voice was so deep and throaty that Mark was extremely intimidated.

"Yes," the flustered bureaucrat managed.

"Good. I will do what I have come to do."

"Yes."

The man threw his trenchcoat at Mark, who caught it awkwardly as the man entered the room behind him, which looked like a hotel bedroom. There was a dresser with a little TV on it, a table with a courtesy phone, and a queen-size bed. One of the walls contained an exceptionally conspicuous mirror. The bed was normal enough, except for the young woman bound and gagged on top of it. The sleeves and bottom half of her t-shirt had been cut off, and most of the legs of her jeans had been as well. Her flip-flops were in a corner. The girl looked at him pathetically, rope tying her wrists and ankles and stretching her out spread-eagled over the bed as well as securing her on her back. A couple pieces of duct tape served as the gag. The man looked pleased.

"Hello," he said, his voice no longer deep or throaty, but natural. "Been a while, hasn't it, Hailey?" Recognizition was slow to come, but once it arrived it caused another wave of panic to flow through the poor girl. "Ah, so you remember me." The man looked up at the ceiling. "How long ago was high school? 4, 5 years? So long." He rounded on her. "You dumped me for...who was it now?" He asked in the sort of tone that conveyed that he knew the answer.

The man who Hailey knew as her ex-boyfriend, Paul Mor...Morve...Morvelson finally got to the answer. "Ah, yes, I remember, Kyle Harris, wasn't it? Star running back on the football team. And you the head cheerleader." Paul sneered. "How cliche."

"And me? What about Paul?" Paul pouted. "Oh, I don't care, I'm attractive and popular and the running back is way better for my social status." Paul turned away. Continuing in a sad tone, he said, "I thought we had something. I was a fool, of course." He turned back to her. "Do you know what I missed most about our time together? Other than the sex, of course." He leaned over her right foot, examining the soft, smooth soles and neatly trimmed and unpolished nails of a girl who took good care to keep her feet looking as good as the rest of her. Then he gently slid a finger over the sole and dragged it up and down, causing Hailey to tense and restrain herself as the sensations shot up her leg. "I miss tickling you into hysterics."

Hailey whimpered into her gag. She knew about his love of tickling, and she had even indulged him with tickling sessions, complete with bondage, twice near the end of the relationship. There was no doubt that a part of her enjoyed it immensely, and no one had been as good at it as Paul. On the other hand, he tended to drag it on too long, and it would turn into pure torture for Hailey, an extremely ticklish person. More worrisome were the stipulations in the LoanCheck contract that bound her as surely as the tight ropes around her wrists and ankles. The contract had been very clear: "Subject agrees to filmed tickling session in the event of nonpayment. Subject will be tied with ropes, and tickled by tickler of LoanCheck's choice. NO SAFEWORDS." Paul had always provided a safeword.

But she couldn't mull it over too much longer, nor think about the potential illegal nature of what LoanCheck had tricked her into agreeing to. Paul had started his tickling anew. He was still working her right foot, seemingly savoring every stroke of his finger over her sole, tracing the creases while vibrating the finger. It was not the merciless tickling she knew he was capable of, but the soft, mildly effective tickling that would leave her in giggles in no time, because it was continuously assaulting her defenses, weakening them until she'd be defeated and fully receptive to strenuous tickling. Paul knew her too well.

She was already giggling beneath the gag. She hated having it, she knew breathing would be hard. They were probably afraid she'd scream and curse at them if they took it off. Paul never stopping slowly moving his finger over her sole as he reached over awkwardly and ripped the tape gag off. She continued giggling, not having a chance to speak. "I know you can't talk once the tickling starts," Paul said, a sadistic grin on his face.

Now he picked up the pace and moved another finger to her left, previously untouched sole. Once Paul had experimented with her to find her most ticklish spot, and it had turned out to be her left foot, specifically her instep. Although, to be perfectly fair, everywhere else was pretty ticklish anyway. Still, Hailey knew her left foot was the most ticklish, which played into her mind and amped up the sensations there even more. Paul didn't start with one finger, he went right into the whole hand, stratching the center with precision, and Hailey now filled the room with her melodious laughter for the first time. She kept laughing as Paul's expert fingers (he wasn't nearly this good at this in high school, where did he learn this? Hailey thought) slid up and down her feet, from the tips of the toe pads to the bottom of her heels, a different spot every time he moved a hand. There was no pattern Hailey could discern and steel herself against. She only laughed and laughed.

Paul stopped, and allowed his charge a rest. Hailey continued laughing anyway, her breaths short and staccato. He wasn't talking anymore, and Hailey knew he liked to stay silent while he tickled. The break was short, and just as Hailey felt she was starting to recover, Paul reengaged, leaning over her body to tickle her armpits. She felt his breath warm against her exposed skin. Here he tickled only a short time, but he got big value for each second, digging in deep. Hailey laughed and tried to move her armpits out of his reach, but of course that was impossible. Paul's fingers danced around her armpits, always finding their target. Hailey was laughing so hard now that her face was red, her eyes were watering, and she was even drooling a little bit.

Switching to her stomach without warning, Paul assaulted her sensitive ribcage, poking between ribs like a typist on a keyboard. Hailey always felt the need to escape at this point, and this time was no different. Still screaming with laughter, she struggled more than she had before, not caring any longer that the ropes really were unrelenting. Paul said nothing but Hailey knew he was enjoying this. Despite her best efforts, the ropes holding her had her so strung out that her thrashings barely moved her body. Certainly, it did not move enough to interfere with Paul's tickling, and he continued with the determination of a bull. Now he dug into her tummy, which was soft enough to allow Paul to press down and rake his fingers deep.

Hailey was not laughing out loud anymore, just silently, and knew where this was headed. Paul was playing with her bellybutton with one hand, probing like an ostrich in the sand, while his other hand wandered around her stomach. The last time he tickled her, he actually tickled her into unconsciousness. She didn't want that to happen, but there seemed to be nothing she could do.

The door opened just as that last thought went through her head. The tickling stopped, and Paul's head shot toward the offensive intruder. "Umm, err, I believe we have what we want," said Mark timidly.

"Great," said Paul genially. "I'll be done in a moment."

"Umm," said Mark, but when Paul made no move to release Hailey or, in fact, move, he gave up. "Don't take too long. My 2:00 is coming in and I don't think she has the money either."

"Of course," said Paul. Mark closed the door.

"Please stop," said Hailey, practically exhausted but not enough that she couldn't plead. "This was really fun, really, but I think you got your revenge, right?"

"One last thing," said Paul, and Hailey knew what he meant. "Don't worry, I won't hurt you. I'm not *that* bad a person."

Hailey groaned, but Paul simply returned to his tickling, one hand on her stomach, one on her already tortured soles, and danced back and forth, back and forth. Hailey was spent, and it was not long before she collapsed into unconsciousness.

****

Hailey awoke in her car, groggy and with a mouth tasting of cotton. She collected her wits, tried to recall how she ended up in her car, which was still parked in the LoanCheck parking lot. She could not. She did remember all of the tickling - it was much like her earlier experiences with Paul. Glad it was over, she found her keys, turned the car on, and drove home.

Three days later, a package arrived from LoanCheck. It contained a video, which Hailey was dismayed but not surprised to discover that it was a video of Paul tickling her, and a paper stating that her loan was not taken care of yet. She had two options. The first was to repay the loan. If she did not make the monthly payments from now on, then the second option kicked in, which was for LoanCheck to sell the video on the Internet (under a phony tickling company name) and use the proceeds to pay off her debt.

Hailey saw what they had done, giving her one last chance to pay off the debt, with the added incentive that if she did not, there would be consequences. Hailey resolved to pay off the debt quickly. When she went to bed that night, she wondered if she could ask for a raise at work and not get laughed at. She also wondered if her current boyfriend, Samuel, would consent to tie and tickle her. It had felt so good despite the situation, she thought before drifting off to sleep.

End

So, anyone like this story?
 
How much money can I borrow? I have a tip on the stanley cup playoffs. I can't lose.
 
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