Subject:      Kelly Pays the Family Debt
Story Codes:  Mf oral noncon
Author:       Joseph Stevens <address withheld by request>
Posted By:    Kelly <pghpa_girl@yahoo.com>

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                              !!!WARNING!!!!

This file contains sexually explicit material which may include graphic 
depictions of underage, nonconsensual and unprotected sex as well as 
incest, adultery, sodomy and bestiality.  It is distributed on a website 
clearly identified as "For Adults Only".  Possession by a minor is 
strictly forbidden.  If you are not legally empowered to be in possession 
of such material, do not read it and delete it immediately.

This work is copyrighted 2013 to the author. It may be posted to non- 
commercial "free" sites, or in the "free" area of commercial sites so 
long as no changes are made to the content and the Author information is 
retained.   Any other use of this work is by written permission of the 
Author only.

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Summary
=======

Kelly, 

I'm not in your class of writing as I have never done this sort of thing 
before!  But it is strange how erotically charged I become as I write 
stuff down.  My fingers can hardly keep up with what I want to write! I 
would love a picture of a downcast defeated young girl in pyjamas to help 
me.

Joe

Table of Contents
=================
   Chapter 1 - Payment Due
   Chapter 2 - Getting Everything Ready
   Chapter 3 - Kelly Undresses
   Chapter 4 - Taking Kelly’s Virginity


Chapter 1 - Payment Due
=======================

John and Mary were in trouble. Only John knew about it until I told them. 
He had not confided in his wife and she had no idea the problems they 
had. Let me start from the beginning...

My name is Joseph. Joe to my friends. I am very fortunate in that 15 
years ago when I was 21 I inherited a large fortune. It meant I never had 
to have a proper job, and could live as I pleased. I got involved in 
several businesses, one of which was a money-lending establishment, where 
my capital was very useful. And this is how I met John.

Apparently he had fallen on difficult times... the recession and all that 
stuff. He had business expenses he could not meet and an expensive family 
to maintain. They had been used to "the good things in life" and he 
didn’t want to admit that he could no longer afford to keep them in that 
manner. At first he filled up a few credit cards, organized an overdraft 
facility, then borrowed against his house and his business, until all his 
options were exhausted. Then he came to me. I loaned him $100k against 
his house. It was small change to me, but to him, a lot of money. He 
defaulted. The first time, I was lenient. I gave him more time. Then he 
defaulted again. I gave him 7 days and then I would have to foreclose. He 
promised he would pay. When the 7 days were up, I decided that enough was 
enough and I would visit him at home. He needed to be confronted. I took 
a couple of my associates with me. It was early evening when we arrived 
and rang the bell.

He answered the door and was ashen-faced. I asked to come in and we were 
taken into the sitting room. His wife was there – a pretty slim lady, 
well dressed, elegant.  On another day I might have been interested. 

"I know why you are here. Joe, can this not wait until tomorrow?"

"What’s this all about?" Mary’s voice was high-pitched. She knew this was 
not a good thing. 

Suddenly a young girl about 14 came through the door. She was lovely... 
slim, petite, with blond hair and blue eyes. Her breasts were accentuated 
by her trim waist and shapely hips. Her short skirt revealed long slim 
legs. Beautiful. 

"Kelly... go to your room, please," instructed her dad. 

She looked at us, frightened, backed away and disappeared up the stairs, 
running as she went.

We sat down. I told John to tell his wife the position he was in. For the 
next 10 minutes it all came pouring out. She was devastated. Whilst she 
loved her husband dearly, this came as a great shock to her. 

"I don't have the money, Joe, it's as simple as that. I can't pay you". 

I sat silent. 

Mary asked, "Is there anything we can do?"

I told her I wanted my money or we would foreclose and they would lose 
the house, car, everything.  John would probably lose his job and they 
would be homeless. 

"Is there anything we can do?" Mary asked, fear in her eyes. 

"Anything?" I paused, allowing the desperation to take hold. "There is 
one thing," I said... and smiled. 

"Tell me," John demanded "If it’s possible, we will do it". 

I knew I had them in my grip. I was in for a good time.

"Tell me," I asked, "Is your daughter a virgin?"

"What’s that got to do with it?" John asked. 

"Well, is she?" I asked again. 

He looked at Mary. Her eyes were downcast. I think she knew what I 
wanted. 

"Yes, she is, pure and innocent," she whispered quietly. 

"Then this is what I want," and I outlined my desire. "I am not a rapist 
but I want your daughter as payment for your debt." 

They both shouted "No". John louder. Mary, I think, was already resigned 
to the inevitable. 

I put my hand in the air. "This is my proposition. I will return here 
with some associates at 10:00 tomorrow morning. If you have the money, 
then fine. If not we will spend the morning here with you. I want your 
daughter to be willing to have sex, first with me and then with my 
associates until we have finished with her. Your debt will then be paid. 
If you do not agree to this, you will lose everything. Do you 
understand?". 

They nodded, heads downcast. 

"I want her compliant.  I do not condone rape so she must be ready and 
willing." We stood to leave. "We will see you at 10:00 tomorrow then. 
Goodnight". 

And with that we left the house.


Chapter 2 - Getting Everything Ready
====================================

We arrived at 10:00 sharp the following morning as promised - or should I 
say threatened? We stepped out of the car and walked up the drive, with 
our small cases on our shoulders. I rang the bell. Moments passed and 
then John answered the door. He was pale, drawn and obviously had not 
slept. 

"Come in," he invited. 

We stepped inside. In their living room Mary and Kelly waited sitting 
with hands clasped and faces turned down. They looked up and watched us 
enter the room and sit down.

"So, John, what’s it to be? Do you have the money, or is Kelly ready to 
pay?" 

Mary answered. "We don’t have it but Kelly had agreed to do what you ask. 
But she has some requests." 

I nodded encouragingly. "Perhaps Kelly would like to tell us herself?".

Kelly nodded and nervously began, "I am a virgin. I have never even been 
touched. I have never seen a man with no clothes on. I am very 
frightened, but I know that I must save daddy and the house. I am willing 
to do whatever you ask, but I would ask that you be gentle with me and 
try not to hurt me." 

I smiled. "We will do our best to make it as comfortable as we can, but 
you must agree that we can take your virginity, and then we will, each of 
us, use your body to give ourselves pleasure." 

She nodded but her eyes never met mine.

"I will be your first as I am the principal here but after that you may 
choose the order that the others enjoy you. There will be no condoms." 

She again nodded. 

"I have a document here of agreement which I would like you to sign." 

Steve handed them a sheet of paper and a pen. They read it and signed it 
slowly. We stood up.

"Will you take us to a bedroom where there is room for us all?" I asked. 

They walked silently across the room, out of the door and up the stairs. 
We entered the master bedroom. We stood around the bed. 

"Right, let get started," I said, "This is the way we are going to play 
it. John and Mary, will you take Kelly and shower her and dress her for 
bed... pyjamas will do nicely, just like any other bedtime."

They didn’t move... perhaps the enormity of what was to take place was 
hitting them. 

"Move!" I shouted. 

They walked out of the room. "Don’t take all day!" I shouted after them. 

We began to get ready. We moved the bed into the center of the room. We 
laid out towels and lubricants we had bought with us. We then undressed, 
and put on bath-robes we had brought with us. I was already semi-erect 
and Steve was the biggest and hardest. We were all smiling softly as we 
stood around the room.

Kelly and her parents came in. She had some pale blue pyjamas on, and her 
hair was still damp from the shower. Her parents stood beside her. 

"Stand in the center of the room Kelly."

She complied with her head down. 

"John and Mary... will you undress please?" 

They looked startled. 

"That’s not part of the deal," stuttered John. 

"You got into this mess, matey, why should you go scott-free? Now strip 
both of you quickly."

They slowly began to undress, hesitating at their underclothes. I 
motioned and they soon stood naked. 

"Hands to your sides," I said as I walked over to Mary. I lifted her chin 
and put my other hand on her shoulder. "Now you will get us ready for 
your daughter... kneel down". 

She sank to her knees. We tied her hands behind her back. We forced John 
into a chair and tied him down. "You will watch what happens to your 
daughter and your wife because of your stupidity.


Chapter 3 - Kelly Undresses
===========================

The silence was heavy in the room. Kelly looked up at me pleadingly. 
"Don’t make me do this, I beg you."

I smiled gently at her. Her father sobbed. 

"It’s too late for that, darling", I replied softly, "Your father has 
been stupid, and you have chosen to pay. You have signed the paper and it 
is going to happen and there is nothing you can do. You have two choices 
now, either it can happen nicely or it can happen nastily, it's up to 
you. My boys here would be delighted to strip you, or you can remove your 
pyjamas yourself. Your call."

She paused for a moment and then her hands moved to the top button of her 
pajama jacket. Slowly she unbuttoned the jacket until it hung loosely on 
her shoulders. I could just see the slight swell of her small breasts 
against the cotton. She lifted her hands and slid the jacket off. Her 
small breasts were so lovely. Her nipples coral-pink and tiny. Delicate. 
She hesitated. 

"Carry on," I urged, motioning with my hand towards her trousers. 

She hooked her small thumbs into the elastic waistband and eased them 
slowly down. Instinctively, she covered her breasts and her pubes with 
her hands and stood there her eyes cast down ashamed.

"Put your hands down", I whispered. 

She looked at me again. "Please....."

"Do it," I commanded, harsher now. 

She lowered her hands to her sides. What we beheld was entrancing. Her 
damp blond hair framed her pretty face perfectly. Her blue eyes were tear 
filled, but captivating. Her pink lips trembling. Her neck delicately led 
to her young shoulders. Her breasts were beautiful. Her stomach, firm and 
flat led your eyes to her pudenda, covered in soft trimmed blond hair. 
Her hips flared slightly, the beginnings of womanly curves. Her thighs 
and legs were slim and toned. In a word, angelic. 

"Place your feet further apart", I instructed. There is something so 
inviting about the gap at the top of a woman’s thighs, just pleading for 
fingers.  She did as I told her. I could just make out the pink slit that 
soon I was about to explore.

"Now this is the order of play, darling. You are here to pleasure us. You 
have three places on your body which are a source of great pleasure... 
let me show you". 

I walked over to her. I placed my hand on her trembling lips. "Here," I 
walked around her, she didn’t move. I gently inserted my finger between 
the cheeks of her bottom. "Here," I walked back to her front. The tears 
were trickling down her face. I cupped her pubes, and slid my finger 
gently into her slit. "And here". 

I stood back. "As I said, I will take each one first, and then you can 
chose who takes you next. We will take each of your opening in turn, and 
we will start with your vagina. Is that clear?"

She nodded slowly.

"Bring her mother over here," I demanded, motioning to the foot of the 
bed. 

"Kneel down," I instructed Mary. I loosened her ropes. "Get me ready."

My penis was already quite hard but Mary was quite attractive and I 
wanted some attention to my cock. She took me in her hand a inserted me 
in her mouth. She was obviously experienced and massaged me with her lips 
and tongue. I pressed into her. She put her hands on my thighs and worked 
her mouth. I was now rock hard, and ready for the first deflowering. I 
withdrew.

"Get on the bed, darling" I told Kelly, "and lie on your back". 

The lovely teen walked towards the bed and climbed aboard. She settled in 
the center and lay back. I stood at the bottom of the bed and gazed on 
her loveliness. I motioned to my boys. The moved around the bed. One took 
her left hand another her right and likewise with her ankles. The opened 
her up before my eyes. She resisted at first, but knew it was hopeless, 
and allowed herself to be spread-eagled. I leaned forward and, as they 
lifted her, I placed a cushion under her hips. We formed a circle around 
Kelly. She was trembling. She was in clear view of her parents. 

"Now, Kelly, do you want to undress yourself or do you want us to do it?" 

She lifted her head. "I will do it."

I looked into her eyes.

"Please be gentle with me," she pleaded. 

I reached out and touched her cheek. I ran my hand on to her shoulder, 
gently over her young breast and down to her hip and then across to her 
pubic mound, hidden under the cotton. "Of course I will," I agreed.


Chapter 4 - Taking Kelly's Virginity
====================================

I placed my left hand above her head, and with my right hand stroked her 
face and hair, gently but firmly. 

"Open your eyes and look at me," I instructed her. 

She opened her eyes. 

"I am now going to fuck you. I know it is your first time and I will try 
and be gentle," I smiled at her. "You would do well to relax and let this 
happen. It will be easier for you.  You might even enjoy it." 

My hand crept to her shoulders and then to her small developing breasts. 
I caressed her nipples with my fingertips, and leaned down and sucked on 
them, gently biting with my teeth. She squirmed and tried to move. My 
friends tightened their grip and held her firmly. I bit a little harder 
and she began to whimper. I lifted my head and moved my hand down, over 
her ribs, her flat stomach, and then to her mound. She bit her bottom lip 
and twisted her head away as my middle finger slowly inched up and down 
her slit, between her outer labia. 

"Look at me!" I commanded. 

She looked into my eyes. My finger delved deeper into her body, probing, 
twisting, pushing until I found her hymen. I pushed gently. She winced. I 
stroked her, stronger, as she began to push up against my hand. I 
withdrew and reached for the lube. I smeared some on my finger and 
stroked it into her vagina. She began again to push against me. 

"Mary, come here" I commanded. 

Her mother approached the bed. I leaned back. 

"Lube my penis for me. Make it easier for her."

She took the lube and began to smear and stroke my cock. It hardened as 
she stroked me. She pulled back my foreskin and lubed the purple-pink 
head gently with her fingers. Nothing could be heard in the room except 
the heavy breathing of my friends and the soft sobbing of the father as 
he witnessed the rape of his daughter.

"That will do," I instructed her mother, "Now guide me into your 
daughter."

Mary cried, "Don't make me do this, Joe, please don’t make me, I beg 
you!"

"Do it," I said, "Take it slow and stroke your daughter with my cock"

I leaned forward and my penis head was resting on kelly’s soft virgin 
folds. Her mother began to stroke the head of my cock into the lubricated 
lips ofher daughter. 

"Look at me, Kelly." 

Kelly’s eyes were now fixed on mine. 

"I want to see your eyes as I fuck you."

I pressed forward as her mother guided the head of my cock into the tight 
opening. I pressed and slid into her, gently thrusting slowly. I was now 
inside her and the head of my cock was nudging her hymen. Her mother took 
her hand off me as I pressed. Resistance. Kelly winced and sobbed. I 
thrust, once, twice and I was through. The young girl screamed as I was 
now inside her. 

"It will be easier now", I whispered, as I began to gently to thrust to 
and fro, in and out, withdrawing and then thrusting back in, gradually 
building up speed and strength, taking my time and enjoying the moments. 
She kept her eyes on me, and began to push back at me with her hips. 

"Bring her legs up" I instructed my friends, and the bent her knees and 
brought them higher, opening her out still wider as I thrust into her.

"Let yourself go Kelly," I told her. "Just go with it." 

Slowly the young teen began to respond as her instincts took over.

I knew I would not take long and began to pound her, feeling her young 
cervix with every thrust as my cock searched the depths of her tight hot 
vagina. My seed was gathering at the base of my cock and I raised the 
speed of my thrusting as control was lost. My penis erupted into her. 

"Fuck you, fuck you, fuck you!" I screamed. One, two, three ropes of 
semen spurted into her unprotected womb.

I continued to thrust into her until I collapsed spent onto her hot 
defeated body. I lay for a few moments. My deflating penis slipped from 
her and her virgin blood and my semen leaked from her body. I raised 
myself up and lifted myself from the bed. I sat on the edge of the bed 
whilst getting my breath back. 

I turned to her and smiled. "You did well, little one. It will be easier 
for you now". 

Kelly nodded with what now looked to be a smile. My men no longer held 
her but she made no effort to move or resist in any way. 

"Now, sweetie, you get to choose who is to be next," I said as I looked 
down at her smiling.

THE END

  
Joseph Stevens.Kelly Pays the Family Debt - Mf oral noncon