Jean Thomas is just an average human man from Earth. Or, at least, he still is for the moment. Jean is, unfortunately for him, a debt-slave. He had an idea that he thought was revolutionary, took out a loan, dropped everything and pursued a small business on his homeworld. Little did he understand that Earth is a tough market, and that big business is constantly on the lookout for ideas to steal and profit from. A few years, a few more loans, and some poor managing later Jean finds himself in a fuck-load of debt. Well, several thousand literal fuck-loads given the situation he's currently in.
Large amounts of debt, especially when the debtor is unlikely to ever be able to repay them, are highly frowned-upon in galactic society. So much so, that galactic governments instituted a number of forms of debt slavery for debtors and bankruptcies.
Probably the largest problem with this process is that debt slaves must be purchased from the debt holders, who generally expect a full return on investment, if not including some of the expected profits from interest. This has led to a climate of debt purchase where the industries most likely to purchase expensive slave contracts are those where the labor is most needed, as well as the most likely to see a return.
Debts so large as the ones Jean held are typically only sought after by a handful of industries. All of them are exploitative, few of them a debt slave could be expected to survive through contract completion both whole in body and mind. The few industries such a debt slave could be expected to survive their contract "whole" simply have a different definition of "whole" than most galactic citizens.
Fortunately for Jean, his contract had garnered interest from several different industries. Even better, the judge of his bankruptcy case took pity on him. Jean was given his pick of the bad choices on offer. Only one of those industries offered contracts that guaranteed survival, healthcare, and a lack of dismemberment: the sexual services industry.
Making the easy selection, the bankruptcy court quickly sold Jean's contract to an unknown organization. He was knocked out and put in stasis. His court-mandated memory removal to prevent recidivism was performed cleanly and efficiently. Then, he was shipped off to his new owner.
Which is where we find him now: on an alien world, on the operating table of a local modder, naked, and just now waking up for the first time since his sentencing. A beautiful alien woman with faintly gray-green skin, horns, and a tail, presumably the modder or one of their staff, sits just inside his range of sight. Restraints hold him in place while tubes, sensors, and other devices seem to penetrate his every orifice. It would all be more alarming if the situation somehow didn't leave him feeling intensely horny.
A smooth, thin voice echoes out into the room from the woman, "Jean... nice to finally have you awake and aware. My name is Nijue, and I've been contracted by your new owner to mod you for your new profession. We're going to, at a minimum, give you a female body, but let you keep your dick. They want you to be a futanari, capable of copulating with any client of their choice. Outside of that, they have given me a number of options and a healthy budget to give you some initial modifications. I'm the best modder there is around these parts, so this is likely going to be a fairly long term relationship between you and me. You want something to increase your sales, maybe lower your debt a bit faster? You come to me. So, we can do this the easy way and I'll make sure you like what you become. Or, we can do this the hard way and I'll enjoy seeing just what I can make of you." The last was said with a hint of sadistic glee.
Jean gulped. "I... a f-female body? Why can't I keep my body, at least somewhat? I've got debts to repay. My body is valuable too, even if it's not the same as your money."
"Oh," said the lab coat-wearing alien with clear enjoyment, "But, then, not only would we have to be careful about what clients you end up with to keep the genital compatibility, your new owners are specifically looking for in a humanoid like you, but you wouldn't have as much sex appeal. Sex appeal, you see, is key in this industry. As such, I'm under orders to work in as much sex appeal as possible in the changes."
"New owners? What's that about?" Jean panted, the panic nearly overwhelming him. "What's going on?"
Nijue grinned widely, "Damn! Court got your memory that badly did they?" After waiting for an answer from Jean, and only getting confusion in response she continues. "You were hauled in to bankruptcy court." With those words, recognition dawned on Jean's features. He didn't have any personal experience with debt slaves, but he'd done his research as his debts loomed on the horizon. Thinking back, he couldn't remember how his debts got so bad, but he could remember the tension and fear of being yanked into bankruptcy court.
"Ah! I see that you understand now..." the modder giggles, "you're a debt slave, one that I hear has a fairly massive debt to pay off." She leans forward and caresses the man's face seductively, but with an air of danger as if the caress could turn to a scratch in an instant. "Lucky for you that the adult entertainment industry took an interest. I've heard that people with your kind of debt don't tend to survive their contracts in any other industry."
Nijue steps back and begins to work on a handheld tablet she picks up from nearby. A holo-display flickers to life in front of Jean's restrained form. "Now then," the modder's voice rings out in an almost singsong tone, "We need to get started on your initial mod package, gotta turn you into a pretty little dickgirl for your owners."
With the ease of practice and hours of study in her chosen profession, Nijue calls forth various models of 3D renders of what Jean might look like with different mod packages and displays them in the floating display in front of him. "I'll be a bit nice here, if nothing else to make sure our relationship starts off on the right foot." The woman turns towards Jean and gives him a sultry smile, "As such, I'm going to let you choose your base appearance when we change you into a futanari. However, you're going to get a single mod of my choice depending on which appearance you choose."