This is a dystopian fantasy about a women who is sold into sex slavery which ends in romance with her new owner. If the slavery aspect bothers you, please skip this.
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I guess in one sense I was lucky, though it sure as hell didn't seem that way at the start. I am Emily and was 20 when this all started. After they changed the bankruptcy laws to make personal bankruptcy impossible, they made other changes. The lenders wanted their money back and were not too particular how they got it.
They had laws changed to allow for what they ironically called voluntary servitude. Basically you 'discharged' your debt by becoming a slave. Then in every lending contract they added a stipulation that defaulting on the loan was tacit agreement to voluntary servitude. Voluntary, my ass. Pretty quickly, increasing numbers of people became slaves.
They also changed the laws so that death did not allow one to escape repayment. The next closest relative automatically became liable for any loans of the deceased. My father had a good job and had taken out large loans because my mother required expensive medical care. When my parents died in an auto accident, I became liable for those loans, under the new rules. Insurance could not come close to covering it all.
I quit school and took two jobs and struggled to make payments on the loans. It was hard and I often was up to the deadline before I could make the payment. I had a payment due by noon on the first, so I needed to drop off my payment before going to work at 7am. Of course the lender was not open that early, but they had a drop box, so I left my payment there and went to work, confident that I'd made my obligation one more month.
I finished my first job and went to the second and worked that. I got home after 9pm and was exhausted. I no sooner got home than there was a knock on my door. I had no idea who would be at my door at that hour, but went and opened it. There were three very burly guys there and they pushed their way into my tiny apartment.
"You have a loan through Friendly Finance Company."
"Yes, and I'm current on my payments."
"According to our records, your payment was not received on time."
"I left that in the drop box at 6:30 this morning."
"Items in that box are not processed until after the close of business."
"But I left it there before the deadline."
"It was not received until after the deadline."
"But you have my payment."
"Not received on time."
"I work two jobs, neither of which is close to your location. I had no way of getting to your place during office hours."
"Not our fault. Not our problem."
"Whatever, you still have your money."
"Because your payment was received late, you're in default on your loan."
"This can't be happening."
"The company is calling the loan. Unless you have $48,362.59, we have to exercise our option."
"I don't have that kind of money."
"Then by your agreement, you are entered into voluntary servitude."
"You can't do this."
"Yes, we can, it's in your loan agreement."
"Please don't do this. I made a good faith effort to get that payment in, and left it there in time."
"You can either cooperate, and this will go easily, or fight us and we may hurt you."
I wept. I was getting screwed by a loan company that was using the rules to their advantage and my disadvantage. Two of the goons took my arms and took me from my apartment. The third goon snapped a metal collar on my neck. There were enough stories out there that I knew it was a slave collar, was locked on and had GPS so I could easily be found if I tried to run away.
My hands were handcuffed behind my head as they led me to a van outside. One goon drove while the other two kept watch over me. Between handcuffs and the collar, I had zero chance to get away, but they were taking no chances at all. They had me lying on my stomach, so I couldn't really see where we were going, not that it mattered. I was in their complete control.
"Remember that cunt last week who kept ranting that her daddy had money and would save her?"
"Yeah, what about her?"
"She was half right. Her daddy bought her slave contract. She's a slave but now daddy is her owner."
"So is she free and clear?"
"Naw, man. Daddy is making her his for real slave. Bitch has to toe the line for the first time in her life."
"Serves her right. She was such a bitch when we picked her up"
"She figured whatever she ran up, daddy would pay off."
"In a way he did."
"Just making her pay for it now."
"So what do you think they'll do with this one?"
"Just look at her - as sexy and cute as she is - we both know what they'll do with her."
"What? What are they going to do with me?"
"You'll see - soon enough."
"Any more pickups after we drop this one off?"
"She's the last one for the night."
I wanted to cry, but didn't want to give them the pleasure. I was afraid of what might be in store for me, but prayed for some sort of reprieve. I guess I got it, though not quickly or as I'd expected. We finally arrived at where they were to drop me off, and they lifted me up off my stomach so I could exit. I dreaded it all, but had little choice. They frog marched me into a building.
"Well, well, what have we here?"
"Name used to be Emily Robinson, before her loan default."
"I dropped off my payment before the specified time. This isn't fair."
"Life isn't fair, bitch. You might as well accept that now."
"Damn, about 5'2", maybe 115 pounds, nice shape, cute face, and young. We'll get a good price for this one."
"Please, isn't there anything I can do?"
"You can shut the fuck up and learn to be a good slave."
"With the way she looks, I'm thinking sex slave."
"God, please, no."
"Get her clothes off her."