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foreverdolly · 1 month

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ೃ࿔ SAVAGE BONDS part I 『 feyd rautha x atreides!reader 』

summary: destined to one another since conception, your very life belongs to feyd rautha. as a token of good will you are sent to the strange planet of giedi prime a week before your wedding ceremony, only to learn that it is far more hostile than you imagined it would be. a failed assassination attempt has tempers flaring and sparks flying when it is decided to be safer to sleep alongside feyd. you hate to admit it, but he has played the part of a "protector" better than the guards who were tasked to watch over you. whilst you have been dreading this union all of your life, feyd has been anticipating it. meeting you as children had left him awe-struck. . . and a bit obsessed.

warnings: !SMUT HEAVY IN FUTURE PARTS!, feyd is super overprotective in this fic and kills multiple people in your honor, blood and gore, it's a dark romance folks, political marriage, forced proximity, temporary unrequited love, a lil dubious consent in some scenes, there's a lot of talk about breeding, enemies to lovers (in your mind, not his), there's a "who did this to you" scene, knife play, blood kink, breeding kink heavy, lots of scent marking/marking. (needs to be edited, so please excuse any temporary errors!)

word count: 5.3k

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The ancient walls of Castle Caladan were a fortress, the long winding halls a labyrinth to those unfamiliar with its layout. You had tried feigning sleep when you had been made aware of the surprise guest’s arrival, a one “reverend mother”- as your mother referred to her. The cool air from the hallway nipped at your exposed arm, which currently hung limply over the side of the bed.

“She’s even smaller than your son, Jessica.” The voice sounded more like a wheeze- and it certainly didn’t belong to anyone you had ever met before.

“As I’ve already said, the Atreides are slow to grow.” Your mother’s tone didn’t hold even a semblance of a bite to it, not like you expected. She was usually fiercely protective of you and your brother.

Your finger twitched, causing the woman to stifle whatever disapproving comment she was about to make. Being caught eavesdropping like this certainly wasn’t ideal, but you found it impossible not to be curious.

“She really is just like her brother,” More like he was more like you. You’d always been the rowdy one of the two. Paul must have been listening in as well, and you imagined that he was more insulted at the comments of his lack of height and muscle than you were. “The little rascals.”

There was a beat of silence before the woman began to crone again. This time you opened your eyes just a sliver, staring into the dark abyss of your room so that you could make out the shapes of your mother and the stranger.

“Rest now. Both you and your brother need to be prepared to meet my Gom Jabbar.” The reason couldn’t be pinpointed, but there was something about her tone that filled you with dread.

Your mother woke you up the next morning, bright and early.

Not even the breathing exercises that your mother had taught you had been able to calm you down last night. The darkness had swallowed you whole, which resulted in a dreamless sleep that left you feeling just as unrested as you had felt the night before. Your mother noticed your hesitations, the skirts of her dress dragging against the stone floor as she moved in the direction of your closet. The dress that she picked out for you was one of your more official garments, the red hawk of the Atreides crest proudly sewn onto the right breast.

“Did you sleep well?” She questioned as she laid the dress neatly onto the edge of the bed, urging you to stand once her hands were free.

You blinked at her, nervously brushing your hands along the soft cotton of your nightdress. Your voice felt stuck in your throat, but you still managed to lie.

“Yes, of course.” Your tone was flat, and for once she didn’t question you on the reasoning. She knew exactly what had you feeling so uncomfortable in your own home.

Gom Jabbar. Gom Jabbar. Gom Jabbar.

What exactly did the old woman want from your family? Lady Jessica was a Bene Gesserit, which could only mean that this woman was a higher up, sent to pay you and your brother a visit. You knew nothing about any “coming of age” rituals.

Paul barged into the room, dressed in his finer clothes as well. He leaned against the wall of your room, lips pursed as if he was deep in thought. You tilted your head to the side, leveling him a worried glance. He simply shook his head, and you knew at once that he wasn’t trying to dismiss your worries.

‘Not here. Later.’ His expression told you, and for once you obeyed.

“The reverend mother is waiting on the both of you. Paul, get out of your sister’s room so she can get ready.” She commanded, her tone leaving no room for whining or disobedience.

He groaned, pushing himself off of the wall so that he could head back out and into the hall. You shrugged out of your dress quickly at the hurried insistence of your mother, allowing her to do up the clasps of the dress for you.

“Who is she?” You asked simply, brushing your hair to the side so that she could get a better grasp of the dress.

“She was my teacher at the Bene Gesserit school and now she is the Emperor’s Truthsayer.” Your mother sighed out your name, turning you quickly so that you were facing her. “You need to do exactly as she says. There is no room to be prideful today, do you understand?” Her eyes were pleading, and you knew that she had your best interests in mind.

You and your mother walked wordlessly out into the hall, catching up with your brother who was busy running his fingers along the uneven stone walls. You flashed a quick look at your mother before jogging to catch up with Paul, taking the hem of his sleeve into your hand.

“What do you know?” You whispered, turning your head so that you could look at your mother. Much to your surprise she seemed to be in no hurry to separate the two of you.

“I’ve had dreams about her before,” He whispered, and you had to pick up your pace to keep up with his strides. “And mother told me this morning that I have to tell her about my visions.”

Your mouth went a bit dry at the realization that this woman truly was here just for you and your brother. What is the Gom Jabbar and what did it entail? There was no telling.

“She’s in my morning room, you two.” She called out after you.

Jessica caught up, leveling the both of you a disapproving motherly look that had the two of you slowing your strides to match hers. She seemed a bit hesitant, eyes flickering between you and your brother and the closed door.

The “reverend mother” sat in one of the tapestried chairs, her arms perched on either side of the armrests as she watched the three of you come in. The view behind her was beautiful, the sprawling, green farmlands of the Atreides family holding on full display through the large windows behind her. You glanced at your brother, eyes widening when you realized that he was already looking at you. He bowed in her direction and you followed his lead.

“They are a cautious bundle, aren’t they?” The witch-like woman croaked, looking between the two of you.

“As they have been taught, your reverence.”

In this room, here in front of this woman, Jessica was no longer the Duke’s concubine nor your mother. She was reduced to that of a pupil in the face of her teacher. You kept yourself from fidgeting, clasping your hands in front of you. You fought the urge to reach out and grab your brother’s hand, as the two of you so often did when faced with anxiety as children. Fear hadn’t regressed you to that of a blubbering child in years.

Your mother also seemed to fear the woman before her. There was something in her tone that led you to believe that whatever she was here for, it surely wasn’t a pleasantry. Your brother was tense at your mother’s other side, jaw tense as he stared the reverend mother down.

“Teaching is one thing, but there are some things that cannot simply be taught,” Paul’s eyebrows furrowed as she spoke, and as if she was dismissing a servant of the castle, she waved your mother off with a flick of her wrist. “You and your daughter leave us. It will be her turn soon.”

For the first time that morning your mother hesitated, eyes softened as she looked upon her son.

“Your reverence, I-” She began, but was cut off before she could finish whatever it is she was going to say. Surely it was meant to be an objection.

“Jessica, you know that this must be done.” Her voice held a tone of finality. There was no room for your mother to try and wiggle the both of you two out of this trap.

“Yes. . . of course.” Your mother straightened, turning towards both of you.

“This test. . . It’s very important to me, you two.” She spoke in a hushed voice, eyes still fearful.

“Test?” The two of you questioned at the same time, looking at one another in concern. You were confused, even more so than you were before.

“Remember that you’re the duke’s son.” And with that your mother was grabbing your arm, pulling you in the direction of the door.

“I suppose that it is my turn?” Your voice shook with anger as you practically tore the door off of its hinges, anxious to take your brother’s place. His cries and whimpers did not go unheard, even with the thick wood separating the two of you.

Looking at him now, his right arm still shaking from the pain, was like being slapped across the face.

“Right you are, girl. Jessica, please escort your son out of the room.” There was a silvery glint in her bright eyes- a challenge. She could sense it in you.

Your mother didn’t interrupt this time, and without any words exchanged the door closed. Your brother was too shaken up by whatever had taken place in that room to fully comprehend that the same thing was going to happen to you. He tossed a terrified glance over his shoulder at you just before the heavy doors closed. The sound of it echoed around the room, pulsing in your chest as you tried to steady the adrenaline pumping through your veins.

“Your future. . . do you know what is expected of you?”

You eyed the black box that sat next to her as you began closing the distance between the two of you. The question she had asked. . . it was a touchy subject with you. Of course you knew. A day didn’t go by that you weren’t mortified by the prospect of your future. You only had three short years to live and enjoy before you would be forced to abandon your family to join hands with another one.

“Of course I do. It is my duty to marry.” Your voice had a bite to it, your eyes unwavering as you stared her veiled face down.

“It is your duty to marry a Harkonnen. It is an honor to be the only reason that these two great Houses are allies. Your heirs will be powerful beyond comprehension.” The way she spoke. . . she truly believed the shit she was spouting.

It was impossible to consider marrying Feyd an honor. It was an ever-present looming threat.

“Put your right hand in the box.” She commanded, nodding her head in it’s direction.

It seemed harmless enough, nothing more than a metal box. You bent your head ever-so-slightly, trying to have a look inside. It appeared to be a pitch black, endless void. No beginning or end in sight.

You did as you were told, biting the inside of your cheek to stop yourself from muttering anything too disrespectful under your breath. If Paul’s screams were anything to go off of then this was going to be painful. Still, you were shocked by how cold the box was. You wiggled your fingers a few times, feeling the metal encasing them. Slowly a tingling sensation began, almost as if they were falling asleep.

“You’ve heard of animals chewing off a leg to escape a trap? There’s an animal kind of trick. A human would remain in the trap, endure the pain, feigning death that he might kill the trapper and remove a threat to his kind.”

The tingling sensation somehow melded into. . . heat. No, not heat. Burning. It felt as though you had your hand held up to a bright flame. You flinched, but froze when you finally noticed that the reverend mother was holding something against your neck. Your eyes flickered the best that they could to her hand, not wanting to turn your head.

“What I hold at your neck is the Gom Jabbar. The tip of the needle is dipped in poison. Remove your hand from the box and I will plunge it into your neck.”

The palm of your free hand began to sweat, the gravity of the situation finally landing on your shoulders. You would be forced to endure the pain and there was nothing that anyone outside of the doors could do. No guards had come to protect your brother when it was his turn, and no matter how emotional your mother had gotten whilst hearing his screams she still hadn’t rushed in after him. You could truly die here in this room.

“Why are you doing this?” You urged, wincing again as the burning continued to worsen.

Now it felt as though you were almost touching a flame, fingers dancing dangerously close. It wasn’t just uncomfortable now but painful. “To determine if you’re human. Now be silent.”

Meant for greatness, yet stifled before her prime.

It was impossible for your clipped wings to take flight. The Bene Gesserit had instilled in you your purpose from a very young age, letting it be known that you were little more than cattle to be sold off to breed. The whole arrangement was dehumanizing, but this was the way of galactic high society. Every House had been developed by the close, watchful eye of the Bene Gesserit. Your mere existence was a result of a centuries long breeding program, so how could you ever expect for your own life to be any different?

Every child, especially in their naive youth, dreams of greatness. There was a point in time where you had hoped to mean something. There were differences to be made, rules to be broken, wars to be raged- but you would never be at the helm of any of it. But Paul. . . Paul was different.

“You know something that I don’t.” You weren’t asking Paul, rather telling him what you already knew.

Where you were used to your brother pulling no punches, he had been overly cautious with his treatment of you during training today. For a second he just stared ahead blankly at the wall, and you wondered whether he would try to lie. The older you’ve gotten, the stranger other people’s treatment of you has become. Women were little more than something to be owned. It was a hard lesson to learn and was one you were still grappling with.

Your femininity were the chains that bound you. And what of your ambition? It was currently acting as the flames licking at your boot heels. Soon you feared that it would fully engulf you; become your undoing.

“Tell me.” Your lovely features crumpled, and as childish as it was you found yourself giving his arm a slap.

He jumped at the sudden contact, eyes widening as he turned to face you after what felt like an eternity of prolonged silence between the two of you. The hard flooring felt cool beneath your legs as you stretched them out beneath you, and for a second you found it hard to keep yourself up in a sitting position. The world felt unsteady beneath you, both literally and figuratively.

Paul didn’t have to say anything at all. You looked, you saw, you felt, you understood. Your shared connection had nothing to do with your genes, rather it had to do with your likeness. Two bodies, two minds, but one soul. Your twin’s features crumpled, mirroring that of your own as he pushed a few strands of dark hair away from his face.

“So there is nothing I can do? My fate is sealed.” Your lips felt numb as you spoke.

Your brother’s visions were more frequent than they had ever been before. “Horrors”, he’d described them.

“If there was something I could do. . .” He started, turning quickly to face you, tucking one leg beneath himself. “My hands are tied. Mother and father’s hands are as well.”

Hiding you away or knowingly allowing you to escape your duties would be seen as an act of treason. You’d be putting your parents and their status in danger, and no matter how desperate you were to get out of any sort of marriage pact, it was far too late. Since the very moment you were conceived, this was what you were meant for.

“When will the orders come down, you think?” You pulled your legs up to your chest, wrapping your arms around them tightly.

You wished that you could stay like this forever, protected from the rest of the world. If only you hadn’t been born as twins at all. You wanted so badly to be like Paul.

But the galaxy didn’t work like that. You were not fortunate enough to get what you wanted.

“Soon.”

You felt comforted by the hand that he placed on your shoulder, and even more so when he kept it there until you felt as though you were able to stand up.

You were to marry into House Harkonnen. That was your purpose; to unite the feuding houses and birth powerful offspring. You had met Feyd once before, but only for a fleeting moment. It hadn’t been awkward- no, back then the two of you hadn’t cared enough to pay any mind to the looming threat that was your betrothal. You’d been too young back then to fully grasp the severity of the situation.

You remembered being shocked by his size. He towered over Paul, appearing to be years older than he really was. His hair had been dark back then, thick and slightly curly.

He had only just been taken under his uncle’s wing at the time. The environment of Giedi Prime had yet to fully sink into the young boy. The Harkonnen’s looks had always been startling to you, no matter how many times you’d been exposed to it. They were dark creatures, brooding, hairless with skin as pale as milk- not to mention violent.

The desperate way that Paul had clung to you was not lost on you. You let him squeeze you as tightly as he needed, your arms locking around his back. This meeting would change everything. In a matter of moments your life as you knew it would be taking a drastic turn, and not for the better.

You’d made that very same trek to the parlor room a million times. This was your ancestral home- had been in your family longer than you thought was conceivable, and yet this felt new to you. Wrong. The shadows from the windows were casting strange lights on the wall beside you, and your footsteps sounded muffled in your ears as your pounding heart nearly deafened you. Your father’s hand brushed against your palm a few times, his attempt at showing you physical comfort without causing any sort of scene. You knew that this was Feyd-Rautha’s right.

You were Feyd-Rautha’s right. That simple fact alone was enough to send you reeling, that morning's breakfast churning in your stomach.

“It will be fine.” Your mother’s fingers shaped the words at her side, a comforting and silent presence.

Your parents had always protected you. They had taught you well in all aspects of life. She was right. You had to trust yourself just as much as you trusted them. This will be fine. You will survive.

But god, you wanted to live.

Your worst fear was being locked up like a caged animal, only taken out to be played with or paraded around. You didn’t want to be somebody's little wife; you were no homemaker or bed warmer.

‘I am better than this.’ You thought to yourself, your hands balling into fists at your sides.

As the double doors began creeping open, you felt the sudden urge to run the opposite direction, your parents be damned. The feud between House Atreides and House Harkonnen would surely become deadly if you were to turn your back on the promise now, and that was the only thing that steeled your feet. You stood, back straight and hands clasped tightly at your front.

You looked to be a pillar of strength, but oh- you were so close to crumbling. Your father took a step past the threshold, eyes hard as he bowed his head respectfully in the Baron’s direction. There was still time to turn around. The door was right there, and you were sure that you could commandeer a ship. You’d piloted a few times before in your life, and while you weren’t the best, you were certain you could get yourself the hell off of Caladan. You shuffled your feet, eyes wide as you looked up and caught your mother’s gaze. Her lips were parted, and you could tell that she was trying to decipher your expression.

“What are you doing?” Her hand moved quickly at her side, the flowy gauze-like material of her skirts hiding her frantic movements from the visitor’s view.

Nothing. You were doing nothing. There were no options yet. If you fled then the insubordination would fall back on your parents. If you downright refused then the outcome would be the same. There was nothing you could do but keep your mouth shut and try not to show the Harkonnen even a semblance of vulnerability.

Disdain rolled off of you in waves as you breezed into the parlor, eyes locked on the side of your father’s face as he conversed with the baron. Tensions were high, even now. No pleasantries were being exchanged, that you were sure of. The Harkonnen’s stark black attire was a startling contrast to their pale skin. There, in the middle of two other men, whom you were sure were present for reasons of protection, was Feyd.

He looked the same as the rest of them. Hairless, blue eyes dripping with something that could only be described as malice. Gone was the curly haired child that you remembered. In his place stood someone unrecognizable to you. You wanted to question what the Baron had done to Feyd, but you already knew. Perfection was expected on Geidi Prime.

He had shaped Feyd into the very likeness of perfection. The once dark haired boy was now a walking, talking machine; not even a dead leaf echo of the boy you met all those years ago.

You tried to map out every single one of his microexpressions, searching desperately for any sign that he might disapprove of the predicament the both of you had found yourselves in. He tilted his head to the side, observing you with a horrifying level of concentration. The Baron began to speak, saying something that you didn’t care enough to listen to. You were too distracted by the terrifying man before you.

“She will come back home to Geidi Prime with us. No objections, correct?”

You were marrying him out of an obligation, this he was already privy to. He had seen the reluctance written plain across your face as you’d entered the room. You’d wanted to run. Away from him, away from your responsibilities- and he could not blame you for it. His understanding stopped there though, simply because this proposal wasn’t going against his own wishes.

“The wedding isn’t taking place for another week.” The Duke didn’t seem to like the idea of his unwed daughter leaving his side.

Feyd fought back a smile, having known that the Baron’s sudden request would have this effect on the Atreides family. He watched you squirm like a bug under a magnifying glass, your hand moving at your hip. For a second he thought that you might be tugging at the seam of your dress, writing it off as nothing but a nervous tick- but then he saw the way your mother’s eyes followed those movements.

The two of you were communicating.

“That may be so, however I think that it is only right that your daughter,” Baron Vladimir motioned in your direction. “Becomes better acquainted with Feyd. You don’t agree?”

His uncle decided that it was best to test the boundaries of this alliance. He was pushing the Duke, seeing how far he could get. Leto’s lips twitched, his eyes flickering thoughtfully towards you. Feyd was finding it hard to pay attention to anyone else other than you in the room. He’d spent years imagining what you would look like as an adult- dreamt about it. He’d eagerly been awaiting this moment, counting the days that he could finally be reunited with you.

It wasn’t just because he had been promised powerful heirs. It was the thought that someone was fated to marry him. Since before he was even conceived, you had always been promised to him. That idea had been put into his head since childhood. You were the constant topic in his mind, a person that was unavoidably meant to be in his life for the rest of his days.

In a strange way he had loved you since he was but a child.

Seeing you for that first time had been better than he had anticipated. You were a beautiful little girl, but now? The child that he had met all those years ago did not hold a candle to the grace and brilliance of the woman that stood before him. Nobody else could ever compare. You didn’t have to fall for him right now, he was content with that. Hell, you didn’t even have to tolerate him. He would find pleasure in wearing you down. He was going to make you love him.

I must not fear. Fear is the mind killer. Fear is the little-death that brings total obliteration.

The adrenaline had run its way out of your system, leaving you cold and alone on a planet that was so incredibly alien to you, you weren’t sure how you’d ever be expected to adjust. Even the oxygen felt different in your lungs- the sweet, acrid smell of chemicals tinging the air around you. It was nothing like your home on Caladan. Your home was a stone castle, but this? This was a cold, black fortress.

You weren’t sure if it was meant to keep people out. . . or in.

You thought back to that fateful day with the reverend mother.

You couldn’t chew your leg off to be free of this. No, you had to lay in wait. Only then could you strike if the situation called for it.

“Striking” could wait until tomorrow though. For now you wanted to rid yourself of the anxiety. Sleep was the only cure you could think of.

“Is the room to your liking?” That husky voice of his was already grating on your nerves.

Feyd had only attempted to speak to you a few times and already you were sick and tired of his presence. He was a constant reminder that you would never know what it was like to be free. Then again, was anybody in the galaxy truly free? Feyd sure seemed to be carefree in his current position.

His tone felt off, like he was toying with you.

“I would be far more pleased about my new living quarters if you were to leave.” You said simply, pulling the slate gray blanket up and over your chin.

You weren’t sure if it was due to his ill-breeding, but he didn’t seem to care that you were in nothing but your night dress. He walked into the room in long-legged strikes, letting the door shut behind him. Never before had the two of you been alone together, not since you were children at least. If you were back in your family home you would feel safer during a moment like this.

You were in his territory now, meaning he had full reign over everything. Your father and family name couldn’t protect you on Geidi Prime.

“You’re in quite the rush to be rid of me,” He didn’t falter for even a second as he moved to sit down on the edge of the bed, leaning back against the plush mattress with a small sigh. “If I didn’t know any better, I would think that you didn’t like me.” He didn’t seem upset at the notion of you disliking him. In fact, there was a glint in his eyes. That same sort of silvery glint you’d seen in the reverend mother’s eyes all those years ago: a challenge.

This was nothing but a challenge to him. You were a conquest, and you detested that. Your stomach soured, your face becoming pinched as you glared at him. This was all too much too fast. You were in the comfort of your own home not even four hours ago, and now you were expected to make small talk with the source of your life-long discontent.

“And what of your concubines? Could you not pester them tonight and give me a moment's peace?”

“I dismissed them from their duties, permanently, weeks ago.” He said simply, his fingers running along the cotton of the comforter.

“What?” You’d never heard of such a thing.

“Spending time with them would be a waste.” His blue eyes flickered up to meet your eyes. “Acquiring concubines had just been a show of status.”

It took you a few moments to process what he was saying, the burning hatred you had felt just moments ago flickering out into a dull flame.

“Why would spending time with them be a waste? Am I expected to spend that much time with you?” A horror, truly. You had hoped that you’d be able to get away with spending a night or two a week with him, if only to achieve the Bene Gesserit’s goal of siring an heir.

“A waste of time. A waste of seed,” He looked at you pointedly, his lip pulling up into a smile that revealed more of his black teeth. “And both of those things are important to me.”

Your stomach hollowed out as you were once again reminded of what was expected of you. You had a week to prepare mentally for your wedding night, which you weren’t sure was enough.

“And what happened to the concubines? Are they still being housed here?”

“Why? Are you jealous?” He was smiling even wider than he was before.

A shiver ran through you as you noticed how predatory his body language was- you felt like prey under his haughty gaze. It was hard to believe that Feyd had been administered the Gom Jabbar test and passed.

This man was no human. He was an animal, that you were certain.

“Wickedly.” Your tone was flat and noncommittal. Even now, you never saw Feyd as a potential lover.

The man that was your so-called “destiny” was also your jailer.

“Well then you’ll be happy to know that they no longer live here. . . or anywhere, for that matter.” He sat up, rolling his shoulders back to stretch his broad muscles.

The blood drained from your face as you stared up at him from your spot on the bed. He must have felt the weight of your gaze and turned his head, his eyes alight with. . . pleasure. Violence was as ingrained in him as breathing was. It was his life. Standing before you was the prince of death- pale, striking and terrifying.

Animal, indeed.

I will face my fear. I will permit it to pass over me and through me. And when it has gone past I will turn the inner eye to see its path. Where the fear has gone there will be nothing. Only I will remain.

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A/N: this chapter was plot heavy, I know, however it was crucial to give you guys some background information so that I can better build tension. the beautiful dividers were created by @ kitsunecafe!

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mostlysignssomeportents · 9 months

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Paying consumer debts is basically optional in the United States

The vast majority of America's debt collection targets $500-2,000 credit card debts. It is a filthy business, operated by lawless firms who hire unskilled workers drawn from the same economic background as their targets, who routinely and grotesquely flout the law, but only when it comes to the people with the least ability to pay.

America has fairly robust laws to protect debtors from sleazy debt-collection practices, notably the Fair Debt Collection Practices Act (FDCPA), which has been on the books since 1978. The FDCPA puts strict limits on the conduct of debt collectors, and offers real remedies to debtors when they are abused.

But for FDPCA provisions to be honored, they must be understood. The people who collect these debts are almost entirely untrained. The people they collected the debts from are likewise in the dark. The only specialized expertise debt-collection firms concern themselves with are a series of gotcha tricks and semi-automated legal shenanigans that let them take money they don't deserve from people who can't afford to pay it.

There's no better person to explain this dynamic than Patrick McKenzie, a finance and technology expert whose Bits About Money newsletter is absolutely essential reading. No one breaks down the internal operations of the finance sector like McKenzie. His latest edition, "Credit card debt collection," is a fantastic read:

https://www.bitsaboutmoney.com/archive/the-waste-stream-of-consumer-finance/

McKenzie describes how a debt collector who mistook him for a different PJ McKenzie and tried to shake him down for a couple hundred bucks, and how this launched him into a life as a volunteer advocate for debtors who were less equipped to defend themselves from collectors than he was.

McKenzie's conclusion is that "paying consumer debts is basically optional in the United States." If you stand on your rights (which requires that you know your rights), then you will quickly discover that debt collectors don't have – and can't get – the documentation needed to collect on whatever debts they think you owe (even if you really owe them).

The credit card companies are fully aware of this, and bank (literally) on the fact that "the vast majority of consumers, including those with the socioeconomic wherewithal to walk away from their debts, feel themselves morally bound and pay as agreed."

If you find yourself on the business end of a debt collector's harassment campaign, you can generally make it end simply by "carefully sending a series of letters invoking [your] rights under the FDCPA." The debt collector who receives these letters will have bought your debt at five cents on the dollar, and will simply write it off.

By contrast, the mere act of paying anything marks you out as substantially more likely to pay than nearly everyone else on their hit-list. Paying anything doesn't trigger forbearance, it invites a flood of harassing calls and letters, because you've demonstrated that you can be coerced into paying.

But while learning FDCPA rules isn't overly difficult, it's also beyond the wherewithal of the most distressed debtors (and people falsely accused of being debtors). McKenzie recounts that many of the people he helped were living under chaotic circumstances that put seemingly simple things "like writing letters and counting to 30 days" beyond their needs.

This means that the people best able to defend themselves against illegal shakedowns are less likely to be targeted. Instead, debt collectors husband their resources so they can use them "to do abusive and frequently illegal shakedowns of the people the legislation was meant to benefit."

Here's how this debt market works. If you become delinquent in meeting your credit card payments ("delinquent" has a flexible meaning that varies with each issuer), then your debt will be sold to a collector. It is packaged in part of a large spreadsheet – a CSV file – and likely sold to one of 10 large firms that control 75% of the industry.

The "mom and pops" who have the other quarter of the industry might also get your debt, but it's more likely that they'll buy it as a kind of tailings from one of the big guys, who package up the debts they couldn't collect on and sell them at even deeper discounts.

The people who make the calls are often barely better off than the people they're calling. They're minimally trained and required to work at a breakneck pace. Employee turnover is 75-100% annually: imagine the worst call center job in the world, and then make it worse, and make "success" into a moral injury, and you've got the debt-collector rank-and-file.

To improve the yield on this awful process, debt collection companies start by purging these spreadsheets of likely duds: dead people, people with very low credit-scores, and people who appear on a list of debtors who know their rights and are likely to stand on them (that's right, merely insisting on your rights can ensure that the entire debt-collection industry leaves you alone, forever).

The FDPCA gives you rights: for example, you have the right to verify the debt and see the contract you signed when you took it on. The debt collector who calls you almost certainly does not have that contract and can't get it. Your original lender might, but they stopped caring about your debt the minute they sold it to a debt-collector. Their own IT systems are baling-wire-and-spit Rube Goldberg machines that glue together the wheezing computers of all the companies they've bought over the last 25 years. Retrieving your paperwork is a nontrivial task, and the lender doesn't have any reason to perform it.

Debt collectors are bottom feeders. They are buying delinquent debts at 5 cents on the dollar and hoping to recover 8 percent of them; at 7 percent, they're losing money. They aren't "large, nationally scaled, hypercompetent operators" – they're shoestring operations that can only be viable if they hire unskilled workers and fail to train them.

They are subject to automatic damages for illegal behavior, but they still break the law all the time. As McKenzie writes, a debt collector will "commit three federal torts in a few minutes of talking to a debtor then follow up with a confirmation of the same in writing." A statement like "if you don’t pay me I will sue you and then Immigration will take notice of that and yank your green card" makes the requisite three violations: a false threat of legal action, a false statement of affiliation with a federal agency, and "a false alleged consequence for debt nonpayment not provided for in law."

If you know this, you can likely end the process right there. If you don't, buckle in. The one area that debt collectors invest heavily in is the automation that allows them to engage in high-intensity harassment. They use "predictive dialers" to make multiple calls at once, only connecting the collector to the calls that pick up. They will call you repeatedly. They'll call your family, something they're legally prohibited from doing except to get your contact info, but they'll do it anyway, betting that you'll scrape up $250 to keep them from harassing your mother.

These dialing systems are far better organized than any of the company's record keeping about what you owe. A company may sell your debt on and fail to keep track of it, with the effect that multiple collectors will call you about the same debt, and even paying off one of them will not stop the other.

Talking to these people is a bad idea, because the one area where collectors get sophisticated training is in emptying your bank account. If you consent to a "payment plan," they will use your account and routing info to start whacking your bank account, and your bank will let them do it, because the one part of your conversation they reliably record is this payment plan rigamarole. Sending a check won't help – they'll use the account info on the front of your check to undertake "demand debits" from your account, and backstop it with that recorded call.

Any agreement on your part to get on a payment plan transforms the old, low-value debt you incurred with your credit card into a brand new, high value debt that you owe to the bill collector. There's a good chance they'll sell this debt to another collector and take the lump sum – and then the new collector will commence a fresh round of harassment.

McKenzie says you should never talk to a debt collector. Make them put everything in writing. They are almost certain to lie to you and violate your rights, and a written record will help you prove it later. What's more, debt collection agencies just don't have the capacity or competence to engage in written correspondence. Tell them to put it in writing and there's a good chance they'll just give up and move on, hunting softer targets.

One other thing debt collectors due is robo-sue their targets, bulk-filing boilerplate suits against debtors, real and imaginary. If you don't show up for court (which is what usually happens), they'll get a default judgment, and with it, the legal right to raid your bank account and your paycheck. That, in turn, is an asset that, once again, the debt collector can sell to an even scummier bottom-feeder, pocketing a lump sum.

McKenzie doesn't know what will fix this. But Michael Hudson, a renowned scholar of the debt practices of antiquity, has some ideas. Hudson has written eloquently and persuasively about the longstanding practice of jubilee, in which all debts were periodically wiped clean (say, whenever a new king took the throne, or once per generation):

https://pluralistic.net/2020/03/24/grandparents-optional-party/#jubilee

Hudson's core maxim is that "debt's that can't be paid won't be paid." The productive economy will have need for credit to secure the inputs to their processes. Farmers need to borrow every year for labor, seed and fertilizer. If all goes according to plan, the producer pays off the lender after the production is done and the goods are sold.

But even the most competent producer will eventually find themselves unable to pay. The best-prepared farmer can't save every harvest from blight, hailstorms or fire. When the producer can't pay the creditor, they go a little deeper into debt. That debt accumulates, getting worse with interest and with each bad beat.

Run this process long enough and the entire productive economy will be captive to lenders, who will be able to direct production for follies and fripperies. Farmers stop producing the food the people need so they can devote their land to ornamental flowers for creditors' tables. Left to themselves, credit markets produce hereditary castes of lenders and debtors, with lenders exercising ever-more power over debtors.

This is socially destabilizing; you can feel it in McKenzie's eloquent, barely controlled rage at the hopeless structural knot that produces the abusive and predatory debt industry. Hudson's claim is that the rulers of antiquity knew this – and that we forgot it. Jubilee was key to producing long term political stability. Take away Jubilee and civilizations collapse:

https://pluralistic.net/2022/07/08/jubilant/#construire-des-passerelles

Debts that can't be paid won't be paid. Debt collectors know this. It's irrefutable. The point of debt markets isn't to ensure that debts are discharged – it's to ensure that every penny the hereditary debtor class has is transferred to the creditor class, at the hands of their fellow debtors.

In her 2021 Paris Review article "America's Dead Souls," Molly McGhee gives a haunting, wrenching account of the debts her parents incurred and the harassment they endured:

https://www.theparisreview.org/blog/2021/05/17/americas-dead-souls/

After I published on it, many readers wrote in disbelief, insisting that the debt collection practices McGhee described were illegal:

https://pluralistic.net/2021/05/19/zombie-debt/#damnation

And they are illegal. But debt collection is a trade founded on lawlessness, and its core competence is to identify and target people who can't invoke the law in their own defense.

Going to Defcon this weekend? I’m giving a keynote, “An Audacious Plan to Halt the Internet’s Enshittification and Throw it Into Reverse,” today (Aug 12) at 12:30pm, followed by a book signing at the No Starch Press booth at 2:30pm!

https://info.defcon.org/event/?id=50826

I’m kickstarting the audiobook for “The Internet Con: How To Seize the Means of Computation,” a Big Tech disassembly manual to disenshittify the web and bring back the old, good internet. It’s a DRM-free book, which means Audible won’t carry it, so this crowdfunder is essential. Back now to get the audio, Verso hardcover and ebook:

http://seizethemeansofcomputation.org

If you’d like an essay-formatted version of this post to read or share, here’s a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2023/08/12/do-not-pay/#fair-debt-collection-practices-act

#pluralistic #jubilee #debts that cant be paid wont be paid #Patrick McKenzie #patio11 #bits about money #debt #debt collection #do not pay #bottom feeders #Fair Debt Collection Practices Act #fdcpa #finance #armbreakers

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helluvapoison · 2 months

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Possessive

how the overlords would put a claim on you

ʕ•̫͡•ʕ•̫͡•ʔ•̫͡•ʔ•̫͡•ʕ•̫͡•ʔ•̫͡•ʕ•̫͡•ʕ•̫͡•ʔ•̫͡•ʔ•̫͡•ʕ•̫͡•ʔ•̫͡•ʔ

˚✧₊⁎ Carmilla Carmine ⁎⁺˳✧༚

As much as she loves spending her mornings in bed with you, wishfully thinking she could stay there all day, she can only give you 3 more minutes at best. Being an Overlord and a CEO keeps her rather busy. You’re grown, you can handle yourself (you have to in this world) she’s not keeping tabs on your whereabouts. Carmilla isn’t itching for a fight like these new “up and comers”. Giving you something to protect you when she’s not around simultaneously puts a target on your back. A simple ring with her name inscribed would suffice, satisfying any possessive vices she may or may not have

˚✧₊⁎ Zestial ⁎⁺˳✧༚

Abhorrent is jealousy, driving the younger generations to filth like, ugh, hickeys. Although, on a certain level he does understand. Being in Hell for as long as he has and alone the same amount, he knows all too well the primal need to claim what other’s might steal. One must leave their mark as a warning sign for others. Zestial’s exceptionally charming when he wants something, notably not asking when he presents you with the crisply wrapped gifts. There’s no less than twenty. Boxes upon boxes of accessories and clothes that suit you but hold his color palette, spider and web details to boot. He’s utterly thrilled when you wear them, showering you in compliments and declaring himself the luckiest soul in Hell

˚✧₊⁎ Rosie ⁎⁺˳✧༚

Goodness, have you seen how sinners nowadays go about the whole ordeal? What happened to romance!? Call her old fashioned, but Rosie likes a smidge of glamour in her techniques! She’ll walk shoulder to shoulder with you, holding her parasail over the both of you. She’ll accidentally press her painted lips on your cheek and forget, quickly getting swept up into conversation with someone or the other. It’s fine, no one would question her! Not if they wanted to live anyways. Butterflies swarm her stomach when she notices you haven’t wiped her imprint away, a proud smile spreading across her face. It becomes purposeful as the days go on

˚✧₊⁎ Alastor ⁎⁺˳✧༚

While happy to broadcast newsworthy exploits, sharing his private affairs with the world is out of the question. Of course the appeal of it all isn’t lost on him, he merely doesn’t see the point. Why broaden your horizons of potential dangers by claiming you publicly? To calm that unruly, covetous alien in the pit of his chest? He’s not that selfish! Besides, nothing less than something permanent could truly satisfy him anyhow

˚✧₊⁎ Valentino ⁎⁺˳✧༚

If he doesn’t have eyes on you, he’s working. Those measley hours apart won’t stop him from reminding all of Hell you still belong to him. He doesn’t trust anyone down here. He’ll convince you it’s for your safety that he tightens the collar around your neck. With a hum of approval, Val’s long and slender fingers twist the tag with his name on it. Heart shaped, of course, he loves you after all!

˚✧₊⁎ Vox ⁎⁺˳✧༚

Only the insecure need to put a claim on their person. That’s not Vox, no way! You’re never really out of his sights anyways, what with today’s power of technology and all! The need to brand you goes a different route. He wants everyone to know you’re spoken for, pulling you on camera every chance he gets. He wants them to stare in awe and envy but cast their eyes down when you walk by in public. A slight on you would be a slight on him personally and no one messes with The Vees

˚✧₊⁎ Velvette ⁎⁺˳✧༚

Truthfully, there isn’t much she wouldn’t do. You’re all over her Sinstagram and that says it all. Every runway show, every red carpet walk, every paparazzi shot you’re always beside her. Vel dresses you left and right to match her OOTD somehow. She snaps a pic every single day (sometimes more) to show her followers their favorite couple is thriving and stylish as always! The description never fails to scream how your all hers

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phantomrose96 · 3 months

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YA Soulmate Romance novel where everyone, by the time they turn 16, becomes aware of their soulmate. A person tied to them by the soul, whose thoughts and actions are relayed vaguely over the binding and unbreakable connection they share.

Except, as best science can figure it, the connection is completely random and the other person is, with no greater significance, really just Some Guy.

Some people do marry their someguymate out of conviction that the connection must mean something, but those marriages statistically fare much worse than non someguymate marriages. As it turns out, marrying someone with no existing chemistry, who unfortunately is aware of all your emotions and actions, isn't a stable foundation for a marriage.

A highly profitable sector of technology blooming in the "someguymate-blocking" market, both for personal privacy and MORE than that, to silence all the annoying fucking updates you receive constantly from your someguymate. Endless pseudoscience and homeopathic remedies to dampen signals. White noise machines that advertise themselves as "sleep restorative" and "someguymate notification blocking"

Unfortunate person whose someguymate is in an opposite timezone, trying to sleep at 3am while being bombarded with "your someguymate is driving to work" "your someguymate is getting a coffee" "your someguymate is mad at this traffic" "your someguymate goes car horn honk honk honk honk". Statistically, you're actually lucky if your someguymate shares a timezone even close to yours

High profile terrorist with a tight and well-armed protective unit. Authorities don't try to go after him, and instead try to find his someguymate, who's a middle school teacher in Iowa who constantly hears car bombs.

Befuddled mother walking into a police department, unsure who to report this to, but her someguymate just killed someone. maybe. probably. It was unclear. There was gun fire and some driving into the woods. And maybe that was unrelated to the gun fire but the big heavy thing her someguymate pulled out of the truckbed was almost definitely related.

A lucrative, and highly expensive black market of private investigators and hitmen, paid in secret to set their mark to a rich and powerful man's someguymate, because their client just wants some peace and quiet. Just some peace and quiet. For once.

The someguymate of this rich and powerful man, receiving an inkling she doesn't fully understand, but knowing with icy certainty she is suddenly in danger.

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kaijutegu · 8 months

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I'm trying to come up with something clever to say here but I feel like I've been hit by a truck. In a good way. I never thought anything like this would pass in the Midwest, not even in a blue state like IL, because it's simply not the kind of thing anybody campaigns on or even talks about at the gubernatorial level.

This is honestly the perfect legal addendum to NAGPRA, and I'm thrilled it's at the state level. This type of legislation would be way too complex at the federal level, but the individual state responsibilities are manageable, and more importantly, doable.

Here's some of the highlights of what the law does:

It is now the state's responsibility to help return ancestral remains, funerary objects and other important cultural items to tribal nations

The state must follow the lead of tribal nations throughout the repatriation process.

Money must be allocated as part of the state Repatriation and Reinterment Fund to help with the costs of reburial, tribal consultation and the repair of any damage to burial sites, remains or sacred items.

Criminal penalties for the looting and desecration of gravesites are increased, and the law adds a ban on profiteering from human remains and funerary objects through their sale, purchase or exhibition.

Tribal nations must be consulted as soon as possible when Indigenous gravesites are unintentionally disturbed or unearthed — such as during construction projects. (We already had kind of a version of this, but it wasn't strong enough.)

IDNR must set aside and maintain land solely for the reburial of repatriated Native American ancestors and their belongings, as tribal nations have pointed to the lack of protected places for reburial in Illinois as among the highest barriers to repatriation.

Institutions that display human remains that are Native American and any items that were originally buried with those individuals (funerary items) cannot charge admission. You want to display looted grave goods? No money for you. (This is specifically targeting the Dickinson Mounds Museum, which is... well, it started as a guy's private display of Native American skeletons he personally looted. The state took it over in the 90s, but they didn't rebury any of the 230~ human skeletons.)

My favorite comment is this: When asked about what he would say to museums that may push back against the law, Illinois State Rep. Mark L. Walker said: “Too bad.”

#anthropology #archaeology #NAGPRA

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freelancearsonist · 21 days

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make a move on me

➔ pre-outbreak!Joel Miller x reader - 5.5k

➔ You've been teasing Joel every day since he started remodeling construction on your house. He finally works up the courage to do something about it - but not in the way you expect him to.

➔ Rated MA for baby’s first anal fic protected p in a and anal fingering (r receiving), age gap (reader is early 20’s, joel is 36), m masturbation/pillowhumping, daddy kink, size kink, praise kink, gentle-turned-rough sex, pet names (baby, darling, honey, good girl, baby girl, little lady), slight degradation and condescension but only in a sexy way, one use of “slut”, pussy pronouns, one (1) pussy slap, gratuitous dickscription, heavy dom/sub dynamics i mean seriously these power dynamics are out of control, tommy is a little bit of a shit (affectionate) [pls let me know if i missed anything at all :)]

➔ This reader insert character: has female anatomy and uses feminine pronouns, no name/no use of y/n, is generally able-bodied, fits in joel’s shirt and is implied to be shorter/smaller than him, is on summer break from college but no major/year is mentioned.

Joel had one rule for himself going into this job: be respectful. Keep his hands to himself and his mind on the job. Don’t fret over the pretty little thing who’s been draping herself all over the house ever since he started demo, practically begging to be fucked.

If he had any sense, he would pack his shit and drop the job–or, at the very least, tell your parents to put you on a leash. But there’s a little part of him that might be a glutton for punishment–that savors the teasing.

The most infuriating part of the whole thing is that he can’t blame you for this whole mess. He shouldn’t be so quick to temptation. You should be able to walk around your own home in whatever you want and not have to worry about the creepy contractor getting flustered every time he looks in your general direction.

But god, you make it hard–double entendre intended. You walk around like you haven’t a care in the world because you don’t; you’re home for summer break after a grueling year at college, and you intend to savor every languid second of it. Your preferred method of savoring just happens to be wearing tight little bikinis that barely hold anything in place as you lounge out by the pool in the Texas heat, or tight leggings that hug your ass so perfectly it almost makes him jealous of the material as you curl up with a book on your couch.

Joel’s a grown man. He can keep it in his pants, no matter how badly he wants you. But you’re not exactly making it easy on him.

Really, it’s Tommy’s fault when the levee breaks. If he could keep his big mouth shut, Joel might’ve been able to maintain the thin control he had over himself. But Tommy goes and makes an off-handed comment about you one night, and that’s the beginning of the downward spiral.

The brothers are both lounging on Joel’s couch after a particularly taxing day of demolition work, beers cradled in hands and the TV droning uselessly with some movie that they’re more staring at than actually watching. It’s late, yet weary muscles are melted so comfortably into the couch that neither of them try to move even after Sarah’s gone off to bed.

Tommy’s eyes flicker over to Joel, then back to the TV. “That girl’s gon’ be trouble for us, brother.”

There’s a question mark in the grunt Joel emits, leaning forward with interest because he knows Tommy’s talking about you without any specification.

Tommy hums in confirmation and takes a sip of his Corona. “She’s always wearin’ those skimpy little outfits a’hers, and she ain’t coy. Must catch that pretty little thing starin’ at your ass even more than I catch you starin’ at hers.”

Joel plays it off as best as he can until Tommy goes home for the night with a half-assed promise to actually be on time in the morning for once. Then he goes up to his room, locks the door, and wraps himself around the spare pillow that lays against his headboard.

He tries so desperately hard not to think about the plump round curve of your ass, or the enticing way you lick your lips, or those damned little bikinis you favor. He grinds his aching cock into the soft pillowcase and tries to think about anything that isn’t you.

But he comes with a muffled growl of your name anyway, face pushed deep into the pillow and hips jerking arrhythmically.

There’s not much he can do now besides clean himself up and try not to think about how thoroughly fucked he is.

The next day is torture because he can feel your gaze lingering. He catches you checking him out on more than one occasion, and you’re brazen about it now. You can tell something has shifted, so you shift with it. Where you once would’ve flushed with heat and hurried away to your room, you now meet his heated eye contact and hold it.

Joel’s jaw hurts that night from the way it’s been hard-set and clenched all day long. He rubs over his sore temporomandibular joints with his long, thick fingers and wills himself to siphon you out from beneath his skin.

It doesn’t work.

The work helps. Laying tile is something he normally considers tedious, but it’s a welcome reprieve in your home because he can get down on his hands and knees and focus on something that isn’t you.

You see the labor he’s going through, and you appreciate it. And really, what kind of host would you be if you didn’t reward his efforts?

It starts with a pitcher of iced tea. It’s made just the way Joel likes it, with light ice and a few slices of lemon. He doesn’t know how you could possibly guess that, but it makes him want you that much more.

And then it’s cookies. Pain-stakingly handmade oatmeal raisin cookies, to be exact. You’re like something out of his most shameful domestic dreams in your cute floral-patterned apron and oven mitts as you pull the tray of cookies out of the oven, and an image of you in nothing but those mitts and that apron flickers through his mind before he can stop it.

All the while you traipse around the house like a mirage–humming along to the yacht rock that drifts from Joel’s stereo, swaying your hips in the kitchen as you put together the most delicious bologna sandwich Joel’s ever eaten, toweling off your soaking wet body after an afternoon in the pool. You’re the worst temptation Joel’s ever had to face.

It becomes his mantra. Be respectful, be respectful, be respectful.

But there’s no respect in your eyes. There’s nothing honorable about the way you bite your lip and smirk when he catches your gaze lingering on him.

Joel had one rule for himself going into this job: be respectful. But why should he have to play nice if you don’t?

And really, the whole thing is Tommy’s fault. He started it with that first comment about you, and then he goes and calls out sick (read: horribly hungover) this morning. He leaves Joel all alone with you–gives you the perfect opening to pounce.

Or, more accurately, entice Joel into pouncing on you.

He’s just setting his tool bag down, about to decide where he wants to start today, when your beautiful face pops in through the door.

“Good morning, Joel,” you say with that gorgeous smile of yours that makes his knees go a little weak. “No Tommy today?”

He nearly chokes on his own tongue when you step further into the room wearing a plaid button-up he left here earlier in the week and booty shorts so small he has to do a doubletake to make sure you’re actually wearing anything on your lower half. You look fucking good in his shirt, and suddenly all he can think about is pulling you in and bending you over the half-finished vanity–

“N-no. He’s sick,” Joel manages to choke out. He takes a deep breath to steady himself, then, “that’s my shirt, isn’t it?”

You look down and rub the time-worn fabric between your fingers like you have to think about it, like you don’t know exactly what you’re doing.

“Oh, it must’ve gotten mixed in with our laundry!” The little giggle you let out is so innocent that he almost believes you. Almost. “Here–”

You start to lift the fabric up your torso in the most tantalizingly slow fashion, and he just sits there and watches it happen. He sees the first peek of skin above the waistband of your shorts, and then your beautiful stomach, then the delicious curve of a breast–

He quickly jolts out a hand to stop you in the midst of mentally willing every single molecule in his dick to control itself. “S’alright, darlin’. You keep it. Looks better on you, anyway.”

“Okay,” you acquiesce and let the fabric drop back down into its rightful place. “Can I get you anything? Water maybe?”

He certainly could use it. His neck and face are flushed red, and there’s sweat starting to form at his temples despite the relatively cool temperature within the house.

He realizes, with startling clarity, that he’s at a precipice right now. This might be the only chance he gets to really do something about this burgeoning tension that’s spread thicker than butter between you and him. He’s got a choice to make, and it’s not going to be an easy choice.

“Sure.” It comes out a bit too high-pitched, so he clears his throat and tries again. “Sure, sweetheart. That’d be great.”

“Alright,” you say with that damned giggle again. “I’ll be right back.”

As soon as you leave the room, Joel feels like he can breathe again. It’s so much easier to think straight when you’re not standing there, smiling up at him and looking so damn gorgeous.

He’s got two options, when it boils down to it: fuck you or leave you alone. And he really, really wants to take you. Make you scream his name while he pounds himself into you, fill you so full that you never completely wash him out. And you want it too, he knows you do, you’re practically begging for it.

But he promised himself he would be respectful. That he would keep his hands away from the girl that’s definitely too young and too pure for someone like him–because he knows that if has you, he’ll never be able to get enough.

There’s a very clear and obvious loophole that comes to mind now; a way he could have you without ruining you, a way you could both come out of this satisfied yet mostly intact. Joel’s never been opposed to doing the hard jobs, after all.

He’s got a condom in his wallet and KY jelly in his bag–mostly used for plumbing fittings, but it’ll do the job for this kind of pipework, too.

You come back with a glass of ice water, and his resolve slips. How the hell is he supposed to initiate this? What if you say no and think he’s disgusting? What if you tell your parents? He can’t do this, this was such a horrible idea, he–

Your touch on his back is like a gentle breeze, just a flutter of your fingers to alert him to your return. He flinches a bit at the sudden contact, but when he turns you’re still so achingly close. He can smell the agonizingly sweet aroma of your conditioner and the lotion you slather on your body after showering, and all he wants is more. He wants to wrap you around him, to inhale that scent straight from the source. His resolve is back, just like that.

He doesn’t give himself another opportunity to hesitate. He places one big, meaty palm on your cheek and wraps the other around your hand that holds the glass of ice water to steady you; and then he kisses you with such bruising force it almost knocks the wind out of you.

You moan. You actually moan the second his lips meet yours, and he knows just like that–with a startling moment of clarity–that this isn’t going to be enough. He’s going to take, and take, and take–gorge himself on you until you have nothing left to give. And the strangest thing of the whole matter is that he thinks you’ll actually enjoy his greed.

“Joel–”

“Tell me you don’t want this,” he murmurs as his lips break away from yours–so low and soft in your ear it can’t be anything but a growl. “Tell me you don’t want this, and I’ll stop right now.”

“I want it,” you affirm.

He searches your eyes, but he finds only earnest honesty and lust. That darkness, that pure and unadulterated want is enough to make his pants tighten. “Fuck.”

He’s so big underneath your roaming hands as he crowds you back against the long bathroom vanity. He lifts you like you’re nothing and sets you on the counter top; he slots himself between your legs and there’s an actual stretch in your muscles to accommodate the width of his hips. One of his wide palms slips behind your head and his fingers tangle into your hair, tugging a little bit to angle your head just the way he wants it. It’s messy and frenzied and desperate–your hands gliding over tee shirt-covered muscle, his tugging your (his) shirt up over your stomach.

“Was starting to think you weren’t interested.” Your voice is heavy and breathy as he breaks away to tug the shirt over your head, casting it aside to lie forgotten on the floor.

“I’ve been tryna convince myself m’not,” he kisses into your neck. “Didn’t work.”

With a sudden roll of his hips, he has you gasping into his neck. He can’t be more than half-hard, but that bulge is formidable. Thick and straining and… suddenly you can’t focus on anything except getting him out of those tight jeans to see what you’re working with.

Your hand just barely fits around him. He’s thick and flushed, getting harder with each passing second as he scatters feather-light kisses over your neck and shoulders. He muffles a groan into your neck as you slowly pump his length–you think he’s seven, maybe eight inches at best guess. The tip of him is flushed red once you get his uncut skin out of the way, and it makes your mouth water. There’s a slight upward curve to him and a long, prominent vein that runs down the left side. It’s porn star material–you didn’t know real people had dicks like this.

“Joel… Jesus, that’s gonna be a tight fit.”

“Oh, don’t worry darlin’,” he hums, thumb ghosting over your clit in a way that makes your entire body jolt. “It ain’t goin’ in there.”

There’s nothing but pure excitement in your voice, despite the anxious gulp that tracks down your throat. “Where…”

“Flip over f’me.”

You follow his instruction with a sort of morbid curiosity, hopping down from the counter before folding yourself over it.

You can feel his eyes on you, as he takes in your willingness. It’s like you’re on display for him, for his appraisal. You’ve still got shorts and a bra on, yet you’ve never felt more exposed.

It’s almost like he can sense your mind swirling–maybe it’s because his is prone to do the same. He sets a gentle hand on your back and smooths it down your spine as he crowds up against you–you can feel the press of his exposed cock against the curve of your ass, and it makes you shiver.

“You’re so damn beautiful,” he murmurs as he folds over you, caging you in with the delicious weight of his body. His lips trace along the curve of your jaw and down your neck as he speaks. “But I made myself this little promise that I wouldn’t fuck you. You got me actin’ so unprofessional, honey.”

You whine at the sincerity in his voice–all you’ve wanted since the day he started was for him to have you folded over and at his mercy like this.

“You can fuck me,” you whine earnestly. “It’s okay, I promise. Won’t tell.”

“Mmm, I know. You’re too good a girl to go gettin’ me in trouble over somethin’ like this,” he hums–you can hear the condescension in his voice even as he praises you, and it makes your cunt clench around nothing. “But with all the teasin’ you been doin’... don’t rightly know that you deserve to be fucked.”

“Please–”

“However,” he continues, landing a light smack to your ass in retaliation for your interruption, “might be willin’ to take you anyway, with some conditions. Out of the goodness of my heart.”

He pauses to let you ask, “What conditions?”

And then he pauses again, asking his own question this time. Is he really going to go through with this? But he’s spent the better part of two weeks staring at your ass, and you’ve spent the better part of two weeks putting it on display for him. It’s like you’ve been silently asking him all this time to take it.

His hand slides down from where it rests on your spine, over your tailbone to where he’s been thinking about all this time. He feels the way your muscles tense up even through your shorts, and it sends a thrill he can’t describe coursing through his veins.

“You ever taken someone here before?”

“N-no.” He feels it again as his other hand comes to soothingly rub your hip–that excited-yet-nervous flutter of muscle. You haven’t run away screaming yet, and that’s the biggest motivator he could have to keep going.

“I think you ought to let me. As a thank you, for puttin’ up with all your play,” he growls into your ear.

It’s fucking dirty, the idea of letting a man you hardly know take you in such a taboo way. It’s even dirtier how fucking excited the idea has you.

“You say no right now and I’ll drop it,” he murmurs so sweetly. “Don’t ever have to talk about this again.”

You’re shaking your head before he’s even finished talking–a sly smirk spreading over your lips as you grind back against him hard enough to make him choke on a moan.

“It’s only right,” you affirm. “Gotta make it up to you for how naughty I’ve been.’

His eyes flash dangerously as he grinds his cock against you again, smearing precome against the flimsy fabric of your shorts. “Atta fuckin’ girl.”

He has your bottoms and panties down around your ankles in a flash, and he actually groans at the sight of your sticky cunt all puffy and wet and on display for him.

He can’t resist the urge to swipe a finger through your folds, delighting in the string of shiny arousal that connects his finger to your core when he pulls away. “She wants it so bad, hmm? Such a shame she ain’t gettin’ any.”

It tugs a moan from your throat, especially when he drags as much slick as he can up to circle your tightest hole. He feels the way you flutter with apprehension, and he leans back down to kiss the corner of your jaw.

“Gonna get you nice and ready, I promise. M’not gonna hurt you, baby girl.”

“Thank you, da–” You almost lost yourself there for a second–almost laid your whole hand of cards out on the table for him to see. You try not to get flustered over the slip–you simply clear your throat and try again. “Thank you, Joel.” But you aren’t nearly as smooth as you hope to be.

In a flash Joel’s free hand is lifting your head, forcing you to look into his deep brown eyes. They’re so much darker than normal, and it only serves to make you wetter.

“What’d you call me?”

“J-Joel.”

His hand slips down to your throat and gives it a warning squeeze–his jaw is set, you know he isn’t playing. “Try again, and tell the truth this time.”

“D… daddy.”

You try to hide your face, to cower in shame, but he won’t let you. He smashes his lips to yours at the exact second his first finger probes that tight, waiting entrance.

“Good girl,” he murmurs as he slowly breaches you, using your own slick to guide the way. “Wasn’t so hard, was it?”

You can’t do anything but gasp, hands clutching for dear life to the edge of the counter. This feels different, and not in the way you were expecting it to. It’s tight, sure, and it feels foreign, but it also feels so much better than you ever could’ve expected it to. The subtle stretch around his thick finger is addicting.

Joel’s jaw drops at the expression on your face; you already look so thoroughly fucked-out, and he’s barely even started. “Fuck.You like this, hmm? Like feelin’ daddy’s fingers gettin’ you ready for his big cock?”

The only response he gets is a wrecked little whimper, and he props your chin up again to meet his heated gaze. “Talk to me. Gotta talk to me, tell me how you’re feelin’, or I’m gonna stop.”

“Fuck!” It’s shriller than you want it to be and you would feel pathetic if you weren’t so thoroughly overwhelmed with this new sensation. “Don’t stop daddy!”

“Feels good, yeah? How long has daddy’s little slut wanted to try this?”

But there’s no way you can be expected to answer, not when he’s adding another finger to the onslaught. Not when your legs are already shaking and you’re thinking about just how many fingers he’s going to have to use to get you ready for the massive cock you can feel throbbing against your thigh.

He retracts just as suddenly as he started, and a needy little whine escapes from your throat involuntarily.

He can’t help chuckling as he reaches for the bottle of KY jelly he’d dug out of his bag while you were getting him water. It feels like it’s been years since you left the room on that little errand for him–definitely not the barely ten minutes it’s actually been.

“Relax, baby girl. I’m comin’ right back.”

You feel the cool drizzle of the water-based substance over your hole and it forces another whine from your throat. It’s met with his thick fingers again, spreading the jelly over your hole before plunging two in knuckle-deep.

“Atta girl.” His voice is thick and sweet as honey as he slowly works his fingers, thrusting and scissoring at an achingly slow pace. “Doin’ so good f’me.”

“Daddy–”

“I know,” he coos. “I know, it’s so much, isn’it?”

All you can manage to do is nod your head, arms shaking under the strain of holding yourself upright. He sees the way your limbs tremble and he adds a third finger just to be extra cruel–although he steadies you by grabbing your hip firmly with his free hand, keeping you in place as he fucks you open with his fingers.

Everything is so hot. There’s a sticky sheen of sweat covering your forehead and your chest; you can feel your own slick dripping down your thighs.

And then his free hand drops down to thumb at your clit, and everything twists in your gut so fast it nearly gives you whiplash.

Within seconds you’re coming–no pretense, no warning. It explodes white-hot from your belly and sweeps through you to the tips of your fingers and toes with flash flood speed. One second there’s nothing more than pleasant anticipation–the next, you’re shaking and convulsing and sobbing Joel’s name as you fight with every cell in your body to remain upright.

He does his part to work you through it, thumb swiping even circles on your sensitive clit, pulling his fingers from you to pin you in place on the counter so he can continue working you through it.

“I know, I know,” he coos so sweetly in your ear over the sound of your moans and cries. “You’re doin’ so good baby, let yourself have it.”

It’s minutes before you’re breathing normally again–your legs are cramping from trying so desperately to support your shaky weight. Joel’s hands are soothing you the whole time once he lets up the onslaught on your clit; it’s like he’s mapping you, tracing over every dip and curve so tenderly you could almost forget what this encounter really is.

“Doin’ okay?” He husks into your ear–and then he’s folding himself over you again, and you can feel the insistent press of his hard cock against the curve of your ass.

For some reason, that’s what really makes it sink in. That’s the moment you realize that this is actually going to happen–that you want it to happen. Joel’s about to take something from you that no one has ever taken before, and you want him to. You’re offering it willingly, even.

You hum in response and buck your hips back, giving him a delicious taste of friction that pulls a ground from his throat. “Mhm. I’m ready, daddy.”

“Fuck, that’s my girl.” He gives your hip a light pat before pulling away for a moment, and you somehow have the presence of mind to jump up on the deep countertop because you know your legs won’t be able to support you through what’s about to happen.

There’s a smile on his handsome face when he turns back towards you, lube and condom in hand. “That how you want it, baby?”

Despite everything that’s already happened, you feel so much more exposed like this. You’re completely naked, and he’s fully clothed with his pants shoved down just enough to free his dick. Even as you spread your legs to admit him between your thighs, you feel shy. And he senses it, the slight apprehension in your gaze, because his smile softens even further; he sets the lube and condom down on the counter next to you so he can grasp the collar of his worn t-shirt and tug it up over his head.

He’s beautiful for a nearly forty-year-old man, you think. He’s firm and toned, but there’s a softness about him that you can’t help admiring, especially around his belly. Your eyes eagerly lap up the soft curve of his tummy, following the tantalizing promise of his treasure trail to his cock, hard and aching for you. The ruddy, flushed tip is weeping for you; you don’t know that you’ve ever seen someone so turned on before, and it’s a heady rush of power.

He chuckles as he sees your hungry eyes taking him in–he raises one big hand to cup your chin and pull your gaze up to meet his. “You’re so pretty, baby, look so good spread out f’me like this. You sure you’re ready f’this?”

“Fuck yes,” you say with an alluring little wiggle of your hips, and that’s more than enough for him.

He pulls his bottom lip between even rows of shiny white teeth as he rolls the condom down over his length, and it’s actually intimidating like this. He’s so big and imposing and it makes your legs want to close, but–

“M’gonna go slow, okay?” He vows, voice gentle as his big, brown eyes look into yours. His fingers wrap tightly around the half-used tube of KY jelly, and he leans down to kiss you when he sees the nervous gulp that bobs your throat. “Gonna be real gentle, I promise. You tap out at any time and we’re done, ‘kay?”

“Okay,” you affirm, and you feel a lot better. As out of the blue as this is, as little as you really know Joel, you can tell he’s being sincere. You trust him; you know he won’t hurt you.

The first press of his aching tip against your hole is enough to make you choke on a gasp. He’s big, and even with all of his attentive prep work to get you ready for him it’s a tight fit. You can tell it’s affecting him, too. His eyes flutter shut and he bites down hard on his bottom lip, and you can tell that he’s fighting with all his strength not to just shove himself deep inside you. You appreciate his restraint more than words can convey, so you don’t even try; you hook your arms around his neck and pull him in for a deep, messy, desperate kiss instead. His tongue licks eagerly into your mouth as he eases his hips further and further towards yours, and it’s a nice distraction from the nearly overwhelming stretch of your muscle trying to accommodate his girth.

He shudders when his hips finally meet yours, cock stuffed to the hilt into your ass. “God damn baby, you’re so fuckin’ tight. You doin’ okay?”

You whine at the first roll of his hips, nodding your head rapidly because words won’t come. It’s such a foreign sensation, being stretched and breached like this. Not unpleasant necessarily, but so brain-scramblingly different that all you can do is dig your nails into his strong, broad shoulders and hold on for dear life as he actually starts to fuck into you.

It’s nasty, and you’ve never been so wet in your life. You hear the sticky squelch of lube as he thrusts his hips, shoving his cock deeper than you imagined possible. Your own wetness seeps from your neglected cunt and drenches him, dripping down around his cock and wetting the dense curls at the apex of his sex.

“Shit baby, you’re takin’ daddy’s cock so well,” he whines breathlessly; one arm hooks under your knee so he can spread you open a bit wider for him, and then the other hand returns to your puffy, arousal swollen clit.

You make what has to be the most high-pitched sound you’ve ever made as his index and middle fingers start a torturously slow pace on the little bud. “Fuck daddy!”

“I know,” he coos–you think that soft, breathy, Southern twang is going to actually put you in your grave. “I know, you wanna come, dontcha? It’s okay baby, daddy’s gonna make you come all over his cock just the way you need.”

His hips pick up the pace in time with his fingers, and all you can do is lay there limply like a ragdoll. The pleasure is so much different than what you’re used to, but it’s good. It’s amazing, the feeling of him balls deep in your guts in tandem with his ministrations on your clit, in a way you never imagined it could be.

“Such a good fuckin’ girl f’me,” he growls, hitching your leg a bit higher over his hip so he can thrust even deeper. “Fuck, m’not gonna last long like this. You’re gonna make daddy come so hard in this tight little ass.”

His words are accentuated with a little smack to the side of your ass, and it makes you moan louder still. Your head rolls back as he picks up the pace of his fingers, swirling hard and messy circles with reckless abandon. He’s not trying to prolong it anymore–he’s going for the kill.

“Fuck daddy!” Your hands scrabble for purchase on his smooth, freckled skin as he pounds harder into you. “W-want it, please, want you to come in my ass–”

“Gonna give it to you, impatient girl,” he growls deep in his chest. “You gimme one first.”

Your entire body jolts when he brings his hand down on your sensitive cunt before groaning at the way your arousal sticks to his hand and makes his fingers shine.

“She wants t’be stuffed so full, doesn’t she?” He purrs, fingers dancing so fucking teasingly around your fluttering cunt that it makes your eyes water. “Bet she’d love to be chock full’a cock right now.”

“Joel–”

“Now, now, baby, no whinin’. It’s unbecomin’ for such a sweet little lady,” he grunts, and the condescension dripping from his tone is almost enough to make you come on its own. “You’re gonna take what I give you and be grateful for it, aintcha?”

“Yesyesyesplease–”

His fingers have barely returned to your clit before you’re coming again. This one is even more powerful than before–a hurricane instead of a flash flood. Your entire body trembles with the ebbing flow of pleasurable waves–the words you’re panting aren’t even discernible English anymore.

The way you clench and flutter around him in your own pleasure pulls him over the edge faster than anything ever has before. He comes hard, chest clenching hard around his breath, cock twitching more violently than anything you’ve ever felt before as he spills his load into the condom.

It’s a long, breathless moment before he pulls himself from the vice-like grip you have around his dick. He pulls out with a deep, long groan–it makes you giggle, because it’s the most over-dramatic sound you’ve ever heard in your life.

There’s a beat, and then he starts laughing, too. At the sweet sound of your laugh, at the way he feels like he just ran a marathon, at the absolute absurdity of this whole thing. His laughter is so sweet and gut-deep and infectious, and it only serves to make you laugh harder. For a good few moments it’s just you and Joel, half naked, panting and sweaty, doubled over in laughter.

And then the bathroom door swings open and Tommy barges in.

“I’m feelin’ a helluva lot better after sleepin’ in, what’s so funny–” He stops dead in his tracks; he sees you naked and spread out on the counter and Joel disheveled and sweating. Neither of you are laughing very much anymore as you both scramble to cover yourselves up.

Tommy quirks a brow, a smirk spreading across his lips as his eyes dart back and forth between you and Joel. “Well, well, well. What have we here?”

You don’t know how to answer when you’re so mortified, so you do the only thing you can think of–you dart out of the room and down the hall to the safety of your bedroom as fast as your shaky legs can carry you.

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