(This story arc takes place in an alternative reality where legal slavery exists in the United States as depicted in the stories by Joe Doe, Carl Bradford, Gentlemanmariner and a number of others. Joe graciously allowed me to use the Big D slave market for this story so long as I avoided killing or maiming any of his characters which I somehow managed to avoid along with not burning down the place. I also want to thank Carl for editing much of my work, which greatly improved the final product while also allowing me to incorporate some of his characters and institutions in my stories. All persons enslaved, involved in slavery operations, or described in explicit sex scenes are aged 18 years or older. Feedback in the form of comments are greatly appreciated.)
Pursuant to the Federal Uniform Slave Code recognized in all fifty states including the State of Texas, when a registered slave is sold to a third party by a licensed slave dealer, such as the Big D Slave Market, the sale and enslavement become irrevocable. That is unless it is found that the buyer, seller and dealer were all acting in bad faith.
The loan agreements require a waiver of rights to a court hearing before foreclosure on a delinquent borrower. The lender only needs to initiate foreclosure proceedings in court by filing a motion accompanied by declaration and documentary evidence generally consisting of the loan contract and proof of three consecutive missed delinquent payments and a judge would sign an order of repossession. Once the order of repossession is filed with the court a delinquent borrower could be taken possession either by a licensed slave catcher or in a licensed slave market and immediately sold on order by the owner, generally the lending institution.
Since I had dutifully made my monthly loan payments there was no way that I could legally be repossessed for defaulting on my loan. This must all be part of the Deluxe Reality Package or so I thought as my pussy tingled out of control.
Whiny Girl and I were brought into a small room by two slave handlers and told to sit down at the table. A man wearing the distinctive Big D polo shirt with Assistant Manager embroidered under the logo with a name tag identifying him as Mack Brown entered and sat down next to a woman. She was a teary-eyed woman around forty-five years old that I recognized as Whiny Girl's mother. My gag was removed, but not Whiny Girl's.
"Miss Wilson, your mother pursuant to the authority under the valid power of attorney you signed executed the option for immediate sale for a five year period of involuntary indenture. The Big D lawyers have reviewed the paperwork and it is in order. We will be putting you on the Broadway auction block early this afternoon for sale with the other Prime graded slaves as an involuntary indenture for a period of five years with a 'No sale/transport out of the US' clause." advised Mr. Brown.
"Lindsey, honey, you are actually my niece, we adopted you when you were an infant when your mother passed away in a car accident and raised you as our own. Your sister, I mean your cousin, Amy, is sick and needs a medical procedure and the only way to pay for it is to sell you," said the woman as Lindsey was shaking her head crying.
"I explored the options for over a month now and this is the best one. I wanted to meet with you face to face and explain why and say I am so, so sorry for doing this," the woman sobbed as she got up and rushed out of the room.
A shudder went down my spine observing this interaction. It was horrifying to watch this unfold before my eyes. This poor girl had walked into the Big D a free woman for a slave grading, expecting to leave later today as a free woman only to find out that she was to be sold on the auction block in a few short hours. This had to be real, not part of some Deluxe Reality Package. However, what about me? How could my repossession be real? I felt the dread of impending slavery coming back to haunt me.
As Lindsey's aunt left, a woman in her late twenties wearing a stylish suit dress combination entered the room and sat down next to Mr. Brown. She was six feet tall, a hefty two hundred ten pounds and had bull dyke written all over her.
"Miss Stevens, the Big D has been served with a valid repossession order authorizing repossession and immediate sale of your person. Our lawyers have reviewed the order and accompanying documents and they are legitimate. As such, we will be putting you on the Broadway auction block early this afternoon for sale as an involuntary indenture for a period of five years with a 'No sale/transport out of the US' clause. This is Ms. Arbuckle, with the law firm of Jones and Martinez who represents Consolidated Loans Inc. to explain what happened," advised Mr. Brown.
"Allison, may I call you Allison?" asked the attorney.
I nodded yes, unable to speak.
"My client Consolidated Loans Inc. acquired both your UT and Joffrey student loans when you graduated last spring and in September they proposed consolidating them. When you refinanced and signed the loan consolidation contract back in November you agreed to get slave graded within thirty days as a condition of consolidation. As part of the contract, you agreed to immediately make payments of $668 per month to Consolidated Loans Inc. on the UT loan and that would be the monthly payment for the consolidated loan moving forward. Per the contract, you were required to continue paying the Joffrey loan amount of $386 per month until all of the conditions precedent of the agreement were met. Your failure to get slave graded delayed the loan consolidation and you became delinquent when you stopped paying the Joffrey loan," advised Ms. Arbuckle.
There was a pause as I tried to absorb what the lawyer was saying while trying not to panic at my current situation.
"You do remember last November agreeing to be slave-graded within thirty days, right?" asked the lawyer.
With a sinking sensation in the pit of my stomach, I nodded my head. I had called to advise the Consolidated Loans Inc. representative every time I had procrastinated and rescheduled my slave grading.
"I remember agreeing to be graded in thirty days but when I called Consolidated to extend that date they were fine with it," I answered blushing in embarrassment. "I wanted to make sure I did not get into trouble with the loans for delaying the grading when I called and they confirmed I was fine."
"Pursuant to the contract, you had the option to delay the consolidation by not being graded, which is what happened. You did get the six delinquency notices on the Joffrey loan, didn't you?" she asked.
"I did but I thought they were clerical errors. I called Consolidated after the first one and was told to just pay the new amount of $668 and everything would roll over once I had the grading complete. I was paying the higher amount to Consolidated that was supposed to cover both loans," I replied in a panicked voice.
This sure sounded real! I am an idiot. My fiancé is a rich lawyer, an heir to the Bedford Holding Company, who offered to look at all the paperwork but being the independent college educated woman that I am, my pride led me to telling him I had it under control. Somehow, I still held a glimmer of hope that this was all part of the Deluxe Reality package.
"The first delinquency notice was an error because it was within the original thirty day window for the slave grading and would roll over if you met the deadline which you did not. There was no clerical error when you did not meet the slave-grading deadline. When you ignored the subsequent five delinquency notices you were repossessed, easy peasy. And now we will sell you and make a substantial profit because you have a Prime slave grade," replied Ms. Arbuckle with a smirk.
"Mr. Brown, is this all part of the Deluxe Reality Package or is this for real?" I asked, holding out a flicker of hope that this was all part of the package. "If this is real, please do not auction me until you contact Amelia Bedford who holds my claim ticket. She is very wealthy and I am sure she would submit the winning bid."
"This is very real. Texas law requires a thorough review of any repossession and judicial enslavement to make sure we have all of the correct documentation and that the repossession is valid. The Federal Uniform Slave Code mandates notification to any individual of their enslavement and why, whether by repossession or the decision of the holder of the power of attorney for example, before we sell them," advised Mr. Brown becoming irritated with my naiveté.
My heart went into overdrive as I heard, "Big D staff has attempted to contact Amelia Bedford who holds your claim check and has power of attorney until the time you are sold. We have been unsuccessful reaching her at the number she left," informed Mr. Brown.
