Subject:      Kelly Pays the Family Debt
Story Codes:  Mf oral noncon
Author:       Joseph Stevens <josephstevens150@gmail.com>
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 centre 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 
pyjama 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 faired 
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 finger tips, 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 of
her 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 Deb (Mf oral noncon)