The Payoff

This is going back a few years, but it's worth the telling. I was working for a small home appliance retailer and repairer, and one of my jobs was to call on people who hadn't paid a bill to make arrangements to collect it. Most often it was a case of lazy payers who just couldn't be bothered to come into the store and pay but who would somewhat grudgingly cough up when someone knocked on their door. Then there were others who had a genuine reason for not paying and for those I would arrange a weekly collection of whatever amount they could afford until the debt was paid. I would leave the shop a little early each Friday and call on each of them in turn before I went home. Usually there were around eight or ten of these difficult payers to collect from and this story concerns one of those, the last one on my list at the time and the one I called at on my way home.

Todd and Marla, my last call, owed us quite a lot of money. The reason they couldn't pay was that they'd been suddenly landed with a massive tax bill from a failed business of theirs and paying that one obviously had to come before a small independent retailer. They didn't really want to default and they showed me the paperwork to prove their outgoings, offering me a small payment each week until the debt was cleared. I could see that they were being honest, it really was about all they could afford and so I agreed, even though it would mean calling on them over quite a long time to reach a final payoff.

They were a nice enough couple, genuine and friendly even in those circumstances, just an ordinary couple who'd come financially unstuck. Actually, when I say ordinary I have to add that Marla was far from ordinary, she was gorgeous and in different circumstances I would have gone for her. I will openly admit that she'd been the subject of more than one bedtime fantasy. She was of a mixed race parentage, her mother was white European and her father came from somewhere on the Indian subcontinent, giving her that beautiful tanned look with long wavy black hair and warm dark brown eyes. All that and a figure to die for meant I fancied her like mad. But that was beside the point, although perhaps it was one reason why I accepted a coffee when I first called on them, maybe I just wanted to stay in her company a little longer. As my last call of the day they became a regular coffee stop on my way home and we gradually became friends, regardless of the improbable circumstances and the fact that I was in my mid-twenties while they were both mid-thirties. Todd worked alternating shifts, mainly because that paid more, and so was only home in the evening every other week, but the fact that I'd be calling on his beautiful wife in his absence didn't seem to bother him, I suppose he trusted her with me and he had no reason to do otherwise, I mean the conversations sometimes got a bit flirty but we all knew that's all there was to it, I was debt collecting after all.

Slowly the debt was paid down and it got to the point when I would only be making one more visit to get the final payoff. It just so happened that this was on the week when Todd would be at home and so I figured I'd be able to say goodbye to them both at the same time. It was Todd who answered my knock and as usual we completed the payment part in the hall before going through to the lounge and also as usual Marla was in the kitchen making the coffees. The only thing that was different was that there was a large pile of clothes on the chair I habitually sat in and so I sat on the sofa, not really thinking anything about it.

Then Marla came through with three mugs of coffee and placed one in front of Todd before turning to me and bending over to put the other two on the coffee table in front of the sofa. That's when I noticed that she was dressed rather differently. Normally she wore a pair of jeans and a cotton t-shirt, but this time she was wearing a quite loose short skirt, revealing a lovely pair of slender legs. And that wasn't all, she was wearing her usual top but now without a bra under it. I'd noticed her figure before, who wouldn't, but now I could see that her breasts were full and firm and they were tipped with nipples that pushed against her top in a most tempting way. Neither she nor Todd made anything of her new appearance and consequently I didn't comment either, but I couldn't stop my eyes wandering from legs to boobs and back again and nor could I stop my cock from twitching inside my jeans.

We spent much of the time in the usual small talk, with me trying to concentrate and wondering why a woman who I would dearly like to take to bed was dressed in such an unexpectedly provocative way. I just couldn't keep my eyes off of her and I suppose that sooner or later it was bound to be noticed.

'Nice, aren't they?' Todd asked me suddenly, a broad grin across his face.

'Sorry?' I answered, pretending blankness while all the time being pretty sure I knew what he was referring to, especially as I'd been staring nonstop at Marla's front for the last few minutes.

'You're enjoying staring at Marla's boobs, aren't you.' He held his hand up when I started to shake my head. 'No, don't deny it.'

'Sorry.' I replied, feeling flustered and forcing myself not to gaze at them again. 'It's just that she's usually better covered.'

Todd burst out laughing and even Marla, the subject of this uncomfortable conversation, giggled at my artless reply. I could feel myself going red. 'Don't worry,' He said eventually. 'I don't mind you looking, and I know Marla doesn't.'

Embarrassed at being caught out I made myself gaze straight into their faces, something which only served to make them laugh even more and made me go even redder.

'No, don't be embarrassed.' Todd told me. 'Look all you want, we'll both take it as a compliment on Marla's figure.'

Then he addressed his wife. 'Turn square on Marla, let him see you better.'

She did as she was told, smiling sexily and turning to face me with one knee bent to rest on the sofa between us. That didn't help. Now I couldn't help but stare at her nipples poking straight at me through her top and also at the triangle of white panties between shapely thighs that was now revealed by her new bent leg sitting position. It was as if they were deliberately making me feel uncomfortable. Todd could see my discomfort, although hopefully he couldn't see that my cock was standing tall beneath my jeans. But then he added to it.

'I think we should let him see them properly, don't you?' He said to Marla, his eyes looking knowingly at his wife's nipples.

'Yes, why not?' Marla answered still smiling, and then, before I had the chance to say anything that might stop things going any further, she hooked her fingers under the hem of her top and pulled it up over her head, taking it off in one easy movement and revealing her naked breasts.

My first thought was that they were fantastic, full and pert with no sign of sag and just the right size as far as I was concerned. Her nipples were gorgeously dark, reflecting her ethnic origins, and stood out like two pencil erasers. I desperately wanted to touch them, or suck them, or anything. But then a second thought raced into my head. I was being deliberately set up, all this was planned, right down to the stack of clothes that forced me to sit next to Marla on the sofa. I didn't know what for, but it was definitely worked out in advance. But why, it didn't seem to make much sense to me, but then my cock wasn't letting me think very much at all. I just sat there and gaped at two fabulous breasts that were swaying gently in front of me, my only thought now was to let things run and see what followed.

'Wouldn't you like to touch them?' I nearly didn't register Todd's question at first I was so captivated by the view in front of me, but when I understood what he had said I sat there and shook my head without saying a word. I was getting increasingly uncomfortable with what was happening and increasingly puzzled by it all. Marla giggled at my reaction, making her breasts move even more, and Todd gave a little laugh before he spoke again.

'Look, this is the way it is.' He said finally, dragging my attention away from his wife. 'I know you fancy Marla, it's been obvious since you started to call on us, and I have to tell you that Marla feels the same way about you.' He put his hand up to silence the exclamation that came to my lips. 'Don't worry, I'm not blaming you and I'm not jealous, in fact quite the opposite.' He took a deep breath before leaning forward to explain what he was leading up to. 'We couldn't say any of this while we were trying to pay off our balance in case you thought we were trying to find a way out of it, and, by the way, we're eternally grateful for your understanding of our financial predicament at that time, but now that's over. Now I think we've become more than just acquaintances thrown together through unfortunate circumstances, we've become friends and I think I can be open with you...' He came to a sudden halt, obviously finding the explanation difficult, while I sat there still trying to comprehend what he was saying. 'Look, to come to the point, I've always wanted to see Marla having sex with another man, and she's always wanted to let me. So with you liking her and she fancying you, we talked about it and figured we'd put it to you that she's yours, if you want her.' He paused and looked at me. 'The only condition is that I want to watch.'

'Ahh, you've frightened him off.' Marla laughed, looking openly at where the bulge made by my erection had disappeared.

I must admit that her remark didn't help except that it gave me my voice back, I couldn't let it pass without saying something. 'It isn't that.' I told them. 'It's just that I've never had anything like this ever happen to me before.'

'And we've never proposed anything like that before.' Marla replied. 'But I promise you, it's for real.' She laughed and cupped her still naked breasts. 'Why would I show you these if we didn't mean it?'

'It's true.' Todd agreed. 'I want to see her doing it with another man and she wants that man to be you, it's as simple as that.'

I could feel my cock responding to the idea once more, but my mind was still having trouble. I simply sat there with my eyes going from Todd to Marla and back.

'I know it's sounds strange for a man to want to watch his wife being fucked by someone else, but it's not that uncommon and Marla wants it too, with you that is, don't you Marla?'

My eyes switched to look at Marla in time to see her nod and smile eagerly and then, when I still didn't respond, she leaned forward and took my hand, placing it directly onto her exquisite right breast. I instinctively tried to pull it away, but she pressed me more firmly onto her so that I could feel the hardness of her nipple against my palm. I knew then that she meant it, but my eyes still shot across in alarm to her husband to see if he concurred. Todd sat on his chair with his hands resting in his lap and a smile on his face, a smile that emphasized the gleam in his eyes. I still wasn't sure about him, until I glanced at his hands and realised that they were disguising the bulge that was his erection.

'Kiss me.' Marla leaned further forward, squeezing my hand against her breast and offering me her beautifully full lips to kiss. I knew then that I was lost and I met her mouth with mine, one hand gently squeezing her breast and my free arm going around her to hold her to me. The kiss started off slowly but the longer it lasted the more passionate it became with lips fusing together and our tongues dancing around each other. I couldn't stop my hand squeezing her breast, gently but firmly manipulating the warm soft flesh and trapping her engorged nipple between my fingers. She moaned softly and pushed herself more firmly against me, moving her hand from over mine and reaching down to find and trace the bulge that was my erection.

I heard the soft buzz and felt the tiny vibration of my zip going down and then her hand was delving into my boxers in search of that bulge. Once again I felt a momentary alarm, but how could I resist her doing what I'd long dreamed of her doing. She found my cock and disentangled it from my clothes, wrapping her hand around it and gently stroking its length before she breathed softly into my ear.

'I want him inside of me. Right up inside of me.'

My eyes instinctively went to Todd again, concerned for his reaction to his wife's behaviour, but he was just sitting quietly and gently playing with his own erection through the material of his jeans. Clearly, he'd meant what he'd said and he really would enjoy seeing me fuck his wife. It was still difficult for me to take in, but Marla's actions were overriding any misgivings I might have had, especially when she slid from the sofa and knelt between my legs.

I could see what was coming, but even so it was a shock to have her warm full lips close around the head of my cock, it was a beautiful shock but a shock nonetheless. The soft warmth of her mouth and the feel of her tongue gently licking my glans was wonderful, I mean, it's nice whoever does it, but when it's the woman you've hankered after for ages it's even better. I wanted to place my hands on top of her head to push her down on me, but something wouldn't let me and so my hands just hovered over her head before settling back on my knees. I just closed my eyes and let her do what she wanted.

Almost immediately she pushed my knees apart a little more and I felt one hand burrow into my pants to seek out and cup my balls, rolling them in her palm, while the other slowly stroked my shaft, running firmly up and down my length from the base to where her lips were fastened around it. It felt wonderful and I found I could ignore Todd's presence now because I was carried away on the kind of cloud of ecstasy that rules out anything else. But after a few minutes and just as I was beginning to feel the possibility of a climax he interrupted us, able, I guess, to see that I was getting closer.

'Don't make him come yet.' He told her.

I came back to the present with a jolt, suddenly feeling slightly guilty and still finding it difficult to accept that it was what they both wanted. Marla pulled away and stood up, looking quickly at her husband as if seeking guidance.

'Shall we all go upstairs?' He suggested, looking at me with a smile and adding. 'Before Marla gets too carried away.'

He was doing pretty much everything he could to assure me of his wishes and so when Marla put out her hand to me I took it and let her pull me up from the sofa. 'Yes, I'd like that.' I stated, finally committing myself to what was happening.

'Come on then.' Marla told me, pulling me in the direction of the doorway.

'Hold on.' I protested, trying to shove my erection back through my zip with my free hand, not feeling comfortable about climbing the stairs with my cock nodding away in front of me as we went. 'Let me sort myself out.'

Marla laughed. 'You'll be taking it out again in a minute, I hope.'

We must have looked a strange sight as we entered the bedroom, a very beautiful woman, smiling provocatively while naked to the waist, followed by two fully dressed men, both breathing heavily and not necessarily from climbing the stairs. Now that I'd finally got my head around the idea of fucking Marla while her husband watched I was as eager as they come to begin, after all she had been my dream woman ever since we'd met.

The bedroom itself was pretty ordinary with a mainly white colour scheme, all except for the bed, that is. The bedclothes were red, and I mean bright red, scarlet even, which in retrospect I suspect had been chosen for the occasion. I was so taken with the bed that I almost missed Marla kicking her shoes off, unhooking her skirt and swaying gently to let it slide down her legs to step of it. She turned to face me, placed her hands on her hips wearing just her pair of tiny white panties, and she looked fabulous.

'Will I do?' She asked.

'Absolutely.' I answered breathlessly, staring at her beautiful body and feeling totally mesmerised.

'Now let's see about you.'

She came across and stood so close I could feel her breath on my cheek as she started to unbutton my shirt, pulling it open as she worked her way down. She surprised me then with a quick peck on the lips. I wanted that peck to become a full on kiss, but I managed to resist trying to follow her as she pulled away before pushing my shirt away from my shoulders and letting it slide down my arms and fall to the floor. Then, still standing close she found my zip with her fingers and I heard that little buzz heralding its descent again. Now it was my turn to kick off my shoes as she knelt in front of me, intent on pulling my jeans down and pushing them off of my feet along with my socks. I had half a hope that she might suck my cock again as she knelt with her face so close, but no such luck, she just stood up and looked at me with a tiny smile on her face.

'I think that makes us about even.' She giggled, meaning we were both down to just one item of clothing.

''You'd still be even if you took those off too.' It was Todd's voice commenting from behind me. I glanced around automatically and was surprised to see that he had stripped off already and was sitting on a bedroom chair gently stroking his erect cock. I think he saw the anxiety on my face because he smiled. 'Don't worry, I won't interfere, I just want to watch.'

I turned back to Marla and she looked at me. I nodded, knowing she was agreeing with Todd's remark, and within a few seconds we had both stripped that last bit of clothing off and kicked it to one side. I stood and looked at her for a few seconds, taking in the beauty of the woman standing before me. I'd not been wrong when I'd believed her the most alluring woman I'd ever met, and now she was going to be mine, for this evening at least.

'Don't just stare at each other. There's a bed there.' Todd spoke again.

Clearly he was as anxious as I was, but I would prefer to have taken my own time. But it was his house and his wife, and Marla obviously thought we should do as he said because she promptly went to the bed and bent over to pull the duvet away, giving me a wonderful first glimpse of her pussy from behind. A quick glance back at me and then she climbed onto the bed and lay back, opening her legs ready for me and looking so inviting against the bright red of the bed she lay on. Now she was showing her pussy properly, wanting me see it everything, although I felt forced to glance across at her husband for one last check for permission before I gazed openly at it. And it was well worth seeing, smoothly shaved except for a narrow 'landing strip' of well-trimmed hair leading up from a very prominent clitoris and lovely butterfly labia that had opened as her legs did to let me look right into her vagina. That's when I realised just how much I wanted her regardless of her husband's presence, arousal overcame everything else. I had no qualms now, it was definite, I was going to fuck her.

But before that, I really wanted to taste that pussy. Don't ask me why, because I don't know why, perhaps because it's the most intimate thing a man can do with a woman, perhaps to return the favour, perhaps simply because it looked so inviting, but I wanted to know what she tasted like. I moved to the bed and stood between her feet staring hungrily at her pussy before abruptly grabbing her ankles and hauling her bodily down to the end of the bed. She gave a little yelp of surprise, but then I think she understood what I intended, because she lay back with her legs wide and high in the air, just waiting. I knelt between her legs, pushed them right back with my hands on the back of her thighs and lowered my face to her pussy. I was finally doing it, I was finally having sex with the woman I'd drooled over ever since I met her.