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mostlysignssomeportents · 11 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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aealqadaae · 1 year

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In today's world, businesses face numerous challenges in managing their finances, and one of the most common issues is debt collection. Debt collection is a complex process, and businesses often face difficulties in recovering their outstanding debts. However, with the help of top law firms in UAE and their team of corporate legal advisors, businesses can recover their unpaid debts more efficiently and effectively.

#debt collection | top law firms in uae | corporate legal advisor

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confederateca2022 · 2 years

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Confederate Business and Tax Consultancy are one of the best audit firm based out in Dubai We offer a range of Accounting, Audit services, and also VAT registration services across UAE

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covetyou · 9 months

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the best of the world in the palm of our hands

part 1 ⋆ part 2 ⋆ part 3 ⋆ part 4 ⋆ part 5

ao3 ⋆ main masterlist ⋆ series masterlist

pairing: Joel Miller x f!reader rating: Explicit (18+ only!) chapter warnings: dub con (reader is paying a debt), pussy spanking, unprotected PIV, fingering, oral (f receiving), cumplay, anal play (blink and you'll miss it), derogatory names (slut), drug reference, unspecified age gap, joel miller is a massive slut word count: 4.9k chapter summary: You find a way to pay your fathers debts

A/N: pussy spanking! lets go! you know the old saying, open mind open legs.

follow @covetedfics and turn notifications on for updates on future work

song: damage gets done by Hozier

Your dad had been rationing his pain meds for months, barely taking one every two days now that the world had gone to shit and they were so much harder to come by - and so much more expensive as a result. Lean times were made leaner still by missed shifts and slow work, which meant for even fewer pills to ration out.

Eventually, you would listen, night after night, as he groaned and writhed in pain, meds long gone. Nights like that meant another missed shift, fewer ration cards, and the ever looming threat of debtors coming to collect on what was theirs.

That was the situation that had brought you here, to his door. Desperation, and a debt needing to be paid.

Your knock on the door sounds sharp in the silence of the hallway. You're in a "nicer" part of the QZ - the apartment block cleaner and less crammed full of bodies than others. Here there are fewer people to care, fewer people to see. Fewer people to hear you scream.

The door in front of you suddenly flies open and you wretch you head around, straightening your back. You'd told yourself you'd play it cool, but already you were failing.

Joel Miller, self appointed pharmacist, medication supplier, drug dealer, stands before you. He's tall and broad, taking up almost the entire doorway as he rests one hand on top of the frame. He ticks one hip to the side and tucks his fingers through his belt loops.

You'd seen him from a distance, people pointing with whispers of "that's him", but never up close. Flecks of gray dance around the scruff on his jaw, his dark brown eyes wrinkling as he assesses you. The firm expanse of him so much more intimidating from this distance, you square yourself before you speak.

"I -" you begin, but he immediately cuts you off.

"I don't do business in the hallway," he drawls. "This is business, right?" he quirks a dark eyebrow at you.

You nod, all words snatched from your brain. You'd never heard him before - his southern drawl sounding cocky as he sizes you up, standing meek and mild in the corridor.

"S'always business. Come in then, sweetheart," he says, barely moving his body from blocking the doorway for you to squeeze past him. You push yourself against the door frame as much as possible so you don't drag your body along his.

The living room of his apartment is bigger than the entire place you share with your father. As far as you can tell, Joel lives here alone.

The door slams shut behind you, and heavy footsteps walk past you. Joel picks up a bottle and a single glass, pouring himself two fingers of whisky before setting the bottle back down and taking a sip. You knew you would be vulnerable, coming here alone, but you hadn't taken into account feeling trapped.

"So, what y'here for?"

"M-my dad, he's -"

"I know who your dad is, sweetheart. Seen you together. He owes me. Ain't heard from him in a few weeks. I asked what you're here for, not about your dad."

"Yeah," you nod, trying to feign confidence, "Yeah well, that's why I'm here. He needs more medicine."

"What I gave him weren't medicine, it ain't fixin' shit. I gave him pain relief. That's it."

"Well, he needs more. He's out, and he's hurting, and he can't work - " you ramble, but he cuts you off again.

"Now, sweetheart," he raises a finger to stop you. "I don't see why I should be giving you, or him, anythin'. I owe you nothin', and from where I'm standing, you're the one who owes me. Two weeks worth, right?"

Your eyes go wide. You were hoping he'd make it easier than this - go easy on you because you were a girl and you were here alone. You were hoping to play on his heartstrings, but you were starting to realise that maybe he didn't have one.

His glass thunks down on the table.

He circles you like a predator circles its prey, looking you up and down, assessing for weakness. You stare straight ahead, unwavering as possible.

He stops in front of you, tall and foreboding, before tilting your chin up with a single finger.

"You got the cards for that?"

You shake your head no.

He clicks his tongue, smiles, and says, "That's a damn shame". You have a feeling he doesn't think that at all.

"Dad's been hurting too much, he can't work, we haven't been able to get the cards, I've been trying I - "

"Looks like you'll have to do then," he shrugs, crossing his arms across his broad chest as he leans back against his dining table. "Show me what you can pay me with."

You'd never done this before - well, that was a bit of a lie. You'd done something like this, once, before, with someone else, someone different, someone who probably couldn't hurt you in the ways the massive figure of Joel Miller could hurt you.

You take two small steps toward him, and move to lower to your knees - you'd heard men like him accepted this mode of "payment" all the time - but he grabs your arm in one giant hand before you can make your descent.

You balk at him, "Wha - "

"I don't want a half-hearted blow job, sweetheart," he licks his lips and his thick fingers tug at the hem of your too big t-shirt. "Why don't you take this off. Show me what you can pay me with."

The implication was clear - he didn't want anything you could give him, but you had plenty he could take. Your breath hitches, but you don't let yourself hesitate for long.

Swallowing thickly, you yank your t-shirt over your head and dump it on the floor beside you in one swift action. You're painfully aware that your bra is the least flattering thing you could possibly be wearing - it's soft and old and entirely shapeless, but you weren't expecting to be stripping off for him. You shouldn't even care what he thinks of you but it'd been so long since anyone had seen your bare skin that even this twisted exchange felt like you should've made more of an effort.

You stare directly ahead, not daring to meet his eyes as heat flares in your cheeks. He stalks back to the table and picks up his whisky. You watch him raise it to his lips before he notices you looking. You haven't moved.

He's on you in an instant, grabbing your face, squeezing your cheeks with force as he directs your eyes to his. The heat still burns through your face, but you feel it start to snake traitorously down your spine.

"I said, show me or do you want me to fuckin' rip the rest off you."

Nodding, you scramble to remove the rest of your clothing. It's not sexy, why fucking would it be, and you fumble with the buttons on your pants longer than you'd like, but eventually you're stood entirely nude for him in his apartment.

A puff of air huffs out if his nose and his face twitches as he appraises you like some kind of show cattle. You don't know if he likes what he sees, but that traitorous drip of warmth down your spine hopes that he does. You can trick yourself into thinking it's because he might go easier on you if he likes you, but the longer you stand there under his gaze the more you don't want him to go easy on you.

"You are a pretty thing," he says, rubbing the scruff of his beard. "I think you got just the thing I need to let your dad off the hook, don't you? Might even throw something else in to sweeten the deal if you're extra good." He strokes your hair, and you try to hold back a shudder of arousal. Maybe he'll think it's fear, and maybe it is. Maybe it's both.

"How's that sound?" he prompts as he laces his fingers through your hair and tugs.

You look at his face, his eyes are dark, darker than before, the way he's looking at you makes that traitorous drip into a flood. "Okay."

He wordlessly grunts as he tugs your hair some more and pushes you toward a door on the otherside of the room, making you walk ahead of him.

Even with his hand in your hair, guiding you, your feet move of their own accord. You want to object, refuse, but you can't. You want this. You want a man like Joel - big, protective, in control - to pay you any attention. Whatever the cost.

One final nudge of your head and you stumble into the room as he releases you.

His bedroom is sparse, as expected. Interior decor went to shit with the end of the world, and Joel didn't seem like the kind of man who would've cared about that before anyway.

You stand at the foot of his bed looking down at your toes as they bunch and un-bunch in the carpet. You hear him come in and close the door. If you weren't trapped before you definitely are now. You don't look up at him, you can't, so your eyes remain fixed at your feet when his step into view.

"You ready to get on the bed for me, sweetheart?" His hand strokes gently across the swell of your breast as he talks to you. It's the first time he's really touched you and the flood down your spine has now gathered into a slick pool between your legs.

You do as you're asked sitting on the edge of his bed, feeling even smaller now as he towers over you. You could have been 8 feet tall and still felt small and vulnerable in this moment, Joel Miller cascading above you fully clothed.

A large hand rests on your shoulder, a gentle pressure pushing you to fall back to the mattress below.

"You lay back now. Relax."

You try not to scoff but you can't help it.

"Ain't goin' to hurt you. What good would that do me. I like my customers alive."

You take a deep breath and try to steady yourself with your back flush to the mattress, looking at him as he still hulks above you. You can do this. He'll just... take what he wants. And you'll let him. Then you'll be on your way.

He's still standing above you as he directs you. "Good girl. Now open your legs for me. Lemme see."

You take another deep breathe, hold, and exhale, opening your legs for him just a fraction.

"I'm a patient man, sweetheart, but when I tell you to do something, you fuckin' do it," he growls as he kicks your legs open further. You spread them even wider, wanting to keep on his good side. You're completely exposed and bare for him now. Everything is on display and he still towers over you, looking down at your naked form on his bed.

"Fuckin' beautiful," you think you hear him mutter as he moves to a crouch between your spread thighs. You hold your breath, tensing and try not to clamp your legs shut at his inspection.

"I'm just lookin', sweetheart," Fingers rub calming circles over the softness of your thighs and your legs twitch.

"Keep your fuckin' legs spread," he says with a sharp slap to your thigh. Gasping at the shock, you push your legs to spread as wide as they can. You feel obscene, so open for him and his hand strokes the spot he'd just struck, soothing it.

You were beginning to see how this would go - do exactly as he said and he'd be gentle. Disobey, or be slow on the uptake (patient man my ass) and you'd soon feel the sting of punishment. The thought of that makes you clench around nothing, and you curse under your breath as it's surely now drawn attention to just how wet you are.

You stare up at his yellowed ceiling and hear a chuckle from between your legs - he definitely fucking knows. You don't dare to look down, you just want him to get on with it, until suddenly fingers come dangerously close to your sex and pull you apart, spreading your bare cunt even more for him.

"Well, you're a pretty little thing," he says to your pussy.

The fingers, his thumbs you realise, massage up and down the sides of you, avoiding any direct touch to your folds, but massaging the flesh in such a delicious way that you can't help but feel it right where you need it most.

Joel hums as he moves to his knees, getting closer to your spread cunt, still rubbing his thumbs up and down the sides of you, gradually moving closer and closer to the center of your sex until he's dragging the tips of both thumbs through your wetness and up to the sides of your clit.

You take another deep breath and try to muffle your whimpers with pursed lips, trying to hold back a moan.

"She's likin' that," you hear the amusement in his voice, "I wonder if she'll like this." He moves one of his slicked thumbs directly above your clit and begins to gently stroke. Your hips jerk, unsure if it's toward or away from the pressure of his thumb.

"Oh, she does," and he applies more pressure, circling torturously around your nub as his other hand continues to explore your folds in gentle strokes, parting your opening with two fingers occasionally to see the wetness gathering there, to see how ready for him you are.

"You ever touch yourself like this?" he's talking to you again now, not your cunt.

"N-no," you stutter, as his thumb keeps its languid pace on your clit.

"You don't touch yourself? Y'look well old enough to have done this before."

"No, I-I do, just... not. Not like this."

Joel hesitates for just a moment, fingers stilling, before continuing on. "You like it though." It's not a question. "Tell me how you touch yourself." That wasn't either.

"I don't - I. Fuck," you hiss. You try to relax your grip on the sheets, but his rough thumb on your clit is distractingly good. "I - rub," you pant out.

"With fingers?"

"No," you squeeze your eyes shut. You can't say you expected much from this visit, but telling a stranger how you get yourself off in the dark of the night definitely was not on your list.

"Againstapillow," you mumble, a soft moan being pulled from shortly after as he increases the frequency of his circles on your clit.

"So you're a sweet girl whose sweet pussy only knows soft things?" he hums in thought. "Anything ever been in here?" his index finger circles around your opening, slick now dribbling out of you and being spread around by his thick finger. You must glisten.

You gulp down a sigh. "I'm not a virgin, if that's what you're getting at."

"That's good," he chuckles. "Can't imagine you'd want your first to be like this. Of course a pretty little slut like you has had somethin' in here before." His finger circles more around your hole, barley dipping inside as his well practiced thumb swipes firmly over your swollen clit.

Two thick fingers suddenly plunge into your dripping cunt with ease, stretching you. You pull back with the shock, trying to shuffle up the bed and away at the sudden intrusion, pulling his fingers from you. His hands grip your thighs, anchoring you down and pulling you back toward him.

"Did I say you could fuckin' move?" You shake your head. You didn't even mean to move. It felt good, it shouldn't feel fucking good, you were just surprised.

slap

You hear it before you feel it - a wide hand colliding bluntly with your exposed cunt, sending a sharp stinging, buzzing sensation straight back up your spine. You think your brain shuts off entirely for a second before you gasp for air.

"I know you wanna be good for me. You wanna do right by your sick old dad, right? Help him out of a tough spot?"

His entire palm engulfs your mound with ease, covering you completely as he massages his fingers side to side, easing the sting and jerking your clit in a way that has you rolling your hips and biting back a moan.

"Try getting away again and I'll give your worse than that," you push your pelvis toward him at his words. You really try not to be obvious in your disappointment, you want to be good, but you want it. You want worse. And you know he knows. "But be a good girl and I'll give you exactly what you want. That's why you're here, ain't it?"

Before you can answer he delivers several quick light smacks to your bare pussy. Not hard enough to hurt, but hard enough send the vibrations through you and straight to your struck clit. He removes his hand to look at your quickly reddening pussy before returning to smack you some more. You gasp, trying desperately to keep still and not moan at the building sensation he's pulling from you - you shouldn't be enjoying any of it at all, let alone this, but fuck you are. There's nothing violent about the way his hand is striking your naked cunt, the light slaps against you turning you on, zinging through you like a tuning fork being tapped on a hard edge.

You hear another laugh from between your legs.

"You've only been givin' it to her soft, sweetheart, when she's just crying out to have it rough."

He spanks your pussy again, this time you can't help the moan that escapes you, your back arching into his quick slap slap slap against your cunt. The speed of his palm slows, but the force increases, drawing obscene noises from you with each blow.

"Uh," the breath huffs out of you with each firm smack to your swollen cunt.

His hand pulls off of you and he spreads you wide again before a warm wet sensation draws up from your fluttering hole to your tender clit in a broad stroke. He's soothing your pussy with soft licks when he latches onto your clit and suckles gently before pulling back to look up at you.

"I like 'em pink like this," he mumbles around your clit, "You're bein' so good takin' it for me."

He's holding your thighs obscenely wide as his tongue lathes your clit, wrenching you open as you wiggle beneath him. You are so close, on the absolute precipice and moments from tipping over the edge, when he pulls from you completely, spreading your cunt open with an his thumbs for inspection once more. The man fucking loves looking at you.

"Look at her twitchin'. I think she likes being spread wide for me, look how wet she is." He dives in for another broad lick, slurping as he goes.

"It's just dripping outa you," he breathes. You feel the warm trickle of wetness drip its well worn path from your pussy and down between the cleft of your cheeks. His finger trails it, and you take in a sharp pull of air when the pad of his finger strokes your tight asshole, spreading your slick across it and causing your legs to twitch closed a fraction once again.

slap. You feel the sting and its aftershocks buzz through you before you hear it. "Keep 'em," slap, "fuckin'," slap, "open!" He soothes your pussy with his full hand again and you moan into him, fisting the sheets at your sides.

"Won't go there today. But don't think I'll be feelin' so generous next time." Next time. He rubs and squeezes your pussy, and you rock your hips into his palm, desperate for more anything.

"You likin' this?" he murmurs, his words almost sounds tender -

- Until another slap rings against your bare sodden skin.

"Answer me."

"Y-Yes!" you gasp out with the next spank to your oversensitive cunt. "Yes, please - I - fuck - please I need to -" slap slap slap slap

Your mind goes blank as a series of slaps are delivered straight to your pussy. A groan is pulled deep from your chest and you spread your legs more for him, pushing into his palm as it rains its gentle smacks down onto you.

"You're goin' to come, ain't you?" he growls out, his smacks getting quicker.

You nod frantically, so fucking close, you shouldn't be so close from this but you are. You're just about to beg for something more, anything more, when the smacks against your pussy get even quicker, and quicker, until he's rubbing frantically at your clit, so swollen from his attention that you practically scream at the sensitivity.

Your orgasm tears through you, drawing a deep guttural sound right from your belly. Your back arches, your dripping hole so neglected as it grips around nothing.

"Fuck," he grinds out from below you, stuffing two fingers quickly into your pussy to feel you grip around them as you rock through your orgasm. You can't see him do it, white blaring across your vision, but you hear the hiss of his breath as he pulls his cock out from his pants.

You whine when he pulls his fingers from your cunt, stroking himself with the slickness of you. He stands and presses himself between your legs, hot and heavy.

"You want it here?" he says, grinding the heft of his cock against your spent cunt. "'Cause you're making a mess, drippin' all over my sheets without me to plug you up." You're in a daze as you nod, still floating from the intensity of your orgasm as you stare dumbstruck at his rock hard length for the first time. It's so big.

It's too big.

"W-wait, it's too bi- "

"Fuckin' look. Watch as I fuck this into you sweetheart," he growls as he feeds the tip of his cock into you anyway, the solid width of him stretching more than you have ever been before, but your wetness letting him slide right in. He fucks the tip in and out, and you watch him do it.

In previous years you'd had nothing more than clumsy fumbles with men, some drunken, but most just uncaring one night stands with promises of more. There was never more. One way or another you were being used, but this time, and for the first time, you could call it what it was. There was no illusion of care here as Joel took what he wanted and made you watch.

And you liked that. You liked being used by him. You liked letting him do anything he wanted to you.

"I want you to watch her swallow me darlin'. Keep your eyes right there," he pushes his hips forward, the pressure of him filling you immense, and he groans as your cunt gives way to him and swallows him whole. "There she goes. Such a good little pussy for me."

"Keep lookin'," he groans again as he retreats from you only to fuck his full length back inside of you in one swift movement, "You look or I send you out of here jus' like this. See how the locals treat a naked slut in broad daylight."

Your cunt pulses with the threat, and Joel notices. He cocks his brows at you, still relentlessly fucking into you. "Oh, she likes that. You like bein' a slut, huh?"

Fuck yes, you want to scream, but instead you nod meekly, still watching him fuck you, obsessed with the sight of his cock disappearing into you over and over again.

"Good fuckin' girl."

Never once does he lean down to steal a kiss, or swipe his tongue across your bare nipple. You're naked for him but he does nothing with it except pound into your flesh, using your cunt to get himself off. His eyes flit between where he's disappearing into you and your eyes, watching with a sneer as they roll back into your head with each knock to your cervix.

"Fuu-uuck." He's hammering into you now, hips smoothly pounding your pelvis, when he grabs one of your arms and flips you onto your side, pushing your knee up so high it's practically by your ear. He slams back into the hilt again, rocking you back as you moan out wantonly around his cock.

From this angle his cock drags across you in ways you've never felt. You'd seen trees being felled as a kid, a wedge being hammered into a cut far too small to fit. You felt like you were being split, just like those trees.

"Ah - uh, I, Joel, please, I -" tears are in your eyes from how good it feels, the dull throb of the impact into your cervix melting your insides.

Joel brings one of his legs up beside you on the bed, the other planted firmly on the floor, giving himself leverage to fuck so deep and hard into you that the air is knocked out of you for a moment. When you can finally take another breath, you're screaming for him, your pussy creaming around him from the endless pounding.

The sloppy wet sounds of your cunt accepting his battering over and over are eventually taken overby moans being ripped from your throat. His belt rattles about his waist with each smack of his hips into yours, you can feel the metal of his buckle, bitingly cold against your skin.

"That's it - fuck - you just fuckin' take - it. You take this cock." You can feel his balls draw up and his cock twitch inside you as he gets close to bursting. He fucks you relentlessly anyway, desperately holding back as long as he can, until he can hold no more.

He drags his cock sharply from your used cunt, throwing you back onto your back on his mattress. His large hand grips his cock and he jerks it over you.

"Oh fuck yeah, fuck yeah," he's practically chanting as he jerks himself, letting out a deep stuttery groan when he finally comes, spurting hot cum all over your soft thighs, belly, chest.

He doesn't aim, he doesn't care where he gets it, the action more akin to a dog pissing on a tree to mark its territory than anything else.

The only noise in the room when Joel's shoulders finally relax are your twin heavy breaths, punctuated by light whines that you just can't help. You're so overstimulated that when his hand comes down to your thigh, you don't realize that he's smearing his cum into you until he's rubbing it into your belly, spreading it across the peaks of your tits, up your neck and across your cheek.

He gives you a light tap on the face. "Look at me," he says, swiping a come coated finger across your lips. You're entirely fucked out, all you can do is look dumbly at him, totally cockdrunk.

"What do you say?"

"I... wha-..." you know what he means when he raises his eyebrows threateningly once again. "Th-thank you."

"That's right."

Suddenly he's yanking you up into a seated position and the blood rushes to your head. Another tug, the world spins, and you're on your feet, but you can barely trust your legs. He drags you from the room and before you know it your own clothes are in your arms, the remains of his come dribbling down your body.

"Get dressed," he stands with his arms crossed, looking at you, expectant.

You stare for a moment, totally lost in his dark eyes, before moving to get your clothes back on. You are still covered in his come, your pussy still buzzing from his spanking. At some point, he tucked his cock back into his pants. You didn't even notice, and you try to push down the disappointment of not getting to see it one last time.

Pulling your clothes back on with skin sticky from sweat and come isn't easy, but you eventually manage. When you stuff your feet into your shoes, he grabs you by the arm and drags you toward the door, unlatching it and pushing you toward the exit.

"I'll consider your debt paid," he murmurs into your hair from behind, pushing you out of his apartment a second later.

"Oh and, catch," he throws something to you but you miss, barely even turning in time at his words. It rattles as it hits the ground. Pills.

"Told you I'd give you something if you were good." Confirmation that you were good for him is all you need to feel another gush of wetness between your thighs. You feel like you could come again from his words and the rough feeling of your panties against your abused cunt.

"What do you say?" he asks again.

"Thank you."

He smirks before closing the door in your face.

You lick your lips as you walk away down the empty corridor tasting Joel Miller for the first time, pills in hand and debt paid.

He never even kissed you.

next part

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#joel miller x reader #joel miller fanfiction #joel miller smut #pedro pascal characters #joel miller x you #joel miller #joel miller/reader #fic: SWAT #coveted fics

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youraverageaemondsimp · 10 months

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“Meant for him” // Stalker!Aemond Targaryen x Niece!Reader [ONE SHOT]

THIS IS A DARK FIC SO PLEASE READ THE WARNINGS BEFORE INDULGING // based on this request.

WARNINGS: MDNI! heavy noncon to dubcon, canon typical incest, creepy behavior, jealousy, dark!aemond, possessiveness, p in v sex, breeding kink, knife kink, pain kink, dacryphilia(?), violence, + not proofread!

block the tag #MAE:DARK!CONTENT to avoid seeing dark content from me.

You wished you hadn't ventured out alone at this ungodly hour, the keep was deadly silent except your footsteps, you got lost, having not been here for a while and now you were just walking around trying to remember the pathways until you felt someone grab you from behind, slapping a hand over your mouth so you don't scream and dragging you to a more secluded area.

You struggled in the man's tight grip, writhing and kicking, but he remained firm and kept dragging you until he shoved you roughly against the wall, your head making hard contact with the brick wall, causing pain to shoot up your skull, making you close your eyes and wince.

You finally opened them to see the familiar head of platinum-blonde and a violet eye, you frowned, it was your uncle, Aemond.

“Fucking cunt, playing hard to get.” he sneers at you, you felt panic rise in your veins.

Aemond has been after you for many years, from the moment you were born to now, he was ever the dutiful son in everyone's eyes, but to you, he was a force not to be reckoned with.

What started off as curiosity to see his niece at a young age, manifested into pure obsession and twisted love for you, As a child, he had asked his mother to betroth you to him, your age gap wasn't that big, only being two years younger.

Alicent was reluctant at first, because she knew you were a bastard but saw this as an opportunity to make amends, but rhaenyra refused, saying that you were too young, being only seven, and Aemond just nine.

Aemond was frustrated, you were his birthright, you'll be betrothed to him in the future anyway so why not just do it now? He liked you very much, he followed you in secret, when he wasn't studying or training with his brother, he would be stalking you.

He would collect things you left behind to keep as some kind of twisted souvenirs.

And then came the driftmark incident, you weren't involved in any of it, sleeping soundly but you were woken up, being a child, you were terrified when you entered the chamber to find Aemond's face all bloodied up, his face being stitched by the maester, and then you turned your head to the side to find your brothers bloody too, not as much as Aemond, but you rushed over to them.

After they had explained what happened, you felt angry, he insulted your brothers? You also felt bad for him because he lost his eye but it angered you more to see your brothers hurt, you shared the same womb after all.

In that time, Aemond proposed for you to be betrothed to him once again, saying how Lucerys has a debt to pay, but he's willing to move on if your hand is promised to him, and Viserys also thought it was a good idea, but you blatantly refused, in front of everyone.

And then Alicent went crazy, coming towards Lucerys with a knife but your mother had stopped her in time, the situation terrified you, and she slashed your mothers arm when pulling away, and reading the room, Aemond stepped in bitterly, saying it was a fair exchange to de-escalate the situation. Even though he knew deep down that it was never fair.

And that's when his liking for you took a turn, you dared reject him in front of everyone, he never forget about it.

Over the years Alicent has sent few ravens, proposing the same thing over and over again, but you refused when your mother had bought them up, saying you won't be marrying someone that dared to insult your family's honour.

Aemond knew you would say no, but he still asked his mother regardless, Alicent knew her son was going mad and was about to tip over the edge, and she wouldn't know how to deal with that.

Just then, Vaemond bought a petition to question Lucerys' succession to driftmark, and your family returned to the keep, Aemond's mind was racing with your thoughts, he wondered how you looked now, he knew you would've grown into a beautiful woman.

And so when he spotted you with your brothers through his periphery, he was excited and it made him defeat cole in the training, earning applause, before he addressed your brothers, “Nephews, have you come to train?” he asked before focused his attention on them, they were speechless.

“Niece,” he began and you looked at him with a frown, he took in your appearance before a smile grew on his face, “You've grown.” he stated and you never wanted to punch him so bad, that was until you were interrupted by the entrance of Vaemond.

The court had ended with Lucerys being reaffirmed as the heir to driftmark and with Vaemond's head on the floor, cut cleanly by your step father, daemon. You admired him a lot.

Alicent once again proposed your betrothal in private to your mother, as much as your mother loved the idea, she was planning on betrothing you to Cregan stark, and so alicent nodded sadly.

And the dinner? It was a mess.

Everything was fine until Viserys left the room, and the pig arrived, Luke let out mocking laughs looking at Aemond, and so he slammed his fist on the table before picking up the wine glass and toasting to your brothers, he was already pissed off from the news his mother delivered to him before dinner begun and now this ticked him off even further.

'Strong boys.' he had called them, which pissed both Jace and Luke off, and so it ended in such mess, being sent to your chambers by your mother.

You went out for a walk when everyone was asleep, not being able to stand the suffocation in your chambers, you didn't realise then that it would be such a big mistake.

“U-uncle please-” you begged in his grip, his hand shot out to grab your neck, cutting off your air supply which had you choking, clawing at his hands to make him let go of you, kicking your feet.

He pushed you further against the wall before pressing his forehead against yours, “How many years will you have me toiling after you? I fucking wanted you. Yet you refused me. Each and every fucking time.” he grip on your throat tightened, making you see stars and you struggled in his grip.

“You are to be betrothed to Cregan Stark? Do you think he'll marry you if I ruined you?” those words made your eyes widen, surely he isn't suggesting that.

“N-no-” you croak, his hand leaves your throat and you gasp for air, breathing heavily, and then he presses his dagger to your throat, not cutting you but enough to have to stop moving.

He undoes his breeches, pulling out his semi hard cock and giving it a few pumps, you dared not to move because if you did, the dagger would pierce through your skin and you would bleed out.

He began to hike your skirt up gathering them in one place before he pressed himself against you, you sobbed when you felt his cock rubbing against your cunt, he slammed his lips against you in a rough kiss, you didn't kiss him back, just cried. He licked your tears away before pulling back with a smirk. You looked at him with teary eyes.

His free hand cupped your cunt before he rubbed small circles on your clit, you gasp as he presses meanly against the flesh.

Unsatisfied with the position, Aemond throws you onto the ground, you make sure to land on your back and avoid getting your head hurt again, but your back burns with pain at the impact, causing you to wince. Aemond straddles you, skirt gathered in your lap as you cry out, he slaps your face before shutting you up with a hand over your mouth.

��Do you know how much I wanted you? How much I pined after you? You rejected me. I still haven't forgotten.” he spits on your face.

He moves himself down and spreads your legs wide, you try to push him away with your free hands but you fail, he lines up his cock against your entrance before prodding at the opening with it, “A-aemond— uncle, please stop” you say weakly.

He kisses trails kisses up for your neck, before finding your sensitive spot and sucking in the skin there, causing you to whine, he pulls away before grabbing his dagger once again and ripping the bodice of your dress, causing your breasts so spill out of their confines. You gasp when you feel the dagger poke at the flesh, he presses hard for it just sting but not pierce the skin.

He lets go of the dagger before grabbing both your tits and squeezing them roughly before his mouth descends to take one in his mouth, he licks the nipple before sucking on it, your hand flies up to his hair, gripping it tightly, not knowing whether you want to push him away or hold him tight against you.

He leaves your breast with a pop, hearing you gasp, he sat back, admiring how your cunt looks, all wet and dripping, “You're dripping way too much for someone showing such resistance.” he comments before he pokes at your hole his tip, causing you to clench around nothing.

He knows you wouldn't be able to take him, and that he should prepare you first, but he couldn't hold himself back, and without a warning, he shoves himself entirely inside of you, causing you to scream before it gets cut off by him slamming his lips against yours.

The pain was unbearable, he was too big, and you were a maiden too, it was burning and aching so much, but for some reason you liked the burn, the stretch, you thought you were going insane.

He had the basic courtesy of letting you adjust to him, albeit for a moment before he pulled back and started thrusting wildly into your cunt, causing your body to jolt up against the stone floor.

He spread your legs wider, holding them apart from beneath your knees, and you held on to his shoulder for support and threw your head back, feeling pleasure creeping up your spine.

“U-uncle p-please.” you begged, you had no idea what you were begging for anyone, you didn't want to lose yourself and so you tried pushing him away but he didn't budge, and so your hands fell limply to your side as you let him have his way with you.

His good eye was wild, pupil almost engulfing the violet of his eyes, he watched as your breasts bounced up and down as he continued to thrust into your core, before he grabbed them meanly and pinched both your nipples, twisting them causing you gasp in pain.

One hand left your breast to grab the dagger on the floor next to you before he bought it up to your face, tracing it on the side of your cheek, you flinched when you felt the sharp material press against your face, it trailed down to your neck and he light put pressure there, causing the blood to come up to the surface of the skin but not entirely piercing it.

You felt your arousal dripping onto the stones below at that, you felt embarassed, that your body was liking it, he sat back on his haunches and rammed his cock in and out, watching the blood of your maidenhead coat his cock, causing him to let out a small gasp.

He bought your hips onto his lap, the new angle hitting the rough patch inside of you, causing you to mewl, you gripped his arms which held you up by the waist, nails biting into the leather material. “F-fuck, look at your cunt. Gripping me tightly.” he said between heavy breathes, groaning as he felt each and every ridge of your wet heat, making you clench around him.

“Oh gods, you were meant for me.” he breathes

His hand gripped your cheek tightly, parting your lip before he leant down and kissed you, tears flowing freely from your eyes as he licked them and kissed them away. “Shhh, take it like the good girl you are.” he coos in your ears and you just close your eyes.

And then felt the band in your stomach begin to tighten, you knew what this meant, and aemond was able to tell too, by the way your cunt was clenching tightly around him, his hand moved to your bud and rubbed small but fast circles, and you shook your head, “N-no!” you moaned, refusing to let yourself peak but it is violently ripped through when he pressed meanly down onto your clit, cause the band to snap, mouth parted in a silent moan, eyes clenched close.

Your cunt pulsed around him, making him groan at the sensation, he kissed you once again, lips moving against yours in a passionate manner, tongue swiping against your bottom for entrance to which you grant him, too lost in the high.

You were breathing heavily when you felt his thrusts become sloppy, and the way he was groaning, “I'm gonna cum inside of you alright? breed you, watch you swell with my heirs.” he babbles, and you gulp, “beg for it.” he suddenly says and you look at him wide eyed, another orgasm rapidly approaching you.

“P-please aemond—” you groan, feeling his hit the rough patch again, “Please what?” he asks, trying to contain himself from spilling already, “P-please cum inside me- need you.” you beg humiliated and just then your second orgasm hits you hard, causing you to moan loudly.

“F-fuck, I'm gonna make you a mother, you would love that right? and finally I'd be able to marry you, watch your carry my children, you're going to give me so many understand?” he rambles on before he reaches his peak, coming inside you with a satisfied moan, he rides his orgasm out before he pulls out, watching his spend leak out of you.

You thought with a heavy heart on how he ruined you, no man would want you now.

The next morning, your betrothal plan to cregan was called off on your wish, you asked your mother to get you married to Aemond, he has officially ruined you and damned you to himself, and you were only afraid that if he didn't get what he wanted this time, he would go further and kill your any man you get betrothed to.

And so you quickly accepted your fate.

———

#aemond targaryen #x reader #aemond #aemond x reader #reader insert #aemond smut #aemond x fem!reader #dark!aemond x reader #dark!aemond targaryen x reader #dark!aemond targaryen #dark!fic #tw: noncon #MAE:DARK!CONTENT #hotd #house of the dragon #aemond one eye #dark!hotd #tw: dubcon #tw: violence

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jmhcollectionagency1 · 2 months

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Recovery Debt Collection in Los Angeles - Jmh Collection Agency

How can one negotiate with debt collectors?

Negotiating with Debt Collectors

When negotiating with debt collectors, there are several steps you can take to potentially reach a favorable agreement. Here are some key points to keep in mind:

Offer to pay a portion of the debt: Negotiating with a debt collector often involves offering to pay a portion of the debt rather than the full amount. This can be a good option for both parties, as the debt collector can recoup some of the money without having to pay court costs.

Explain your financial situation: When talking to the debt collector, it is important to explain your financial situation. This can provide you with more room to negotiate compared to dealing with the original creditor. You may also consider working with a credit counselor or attorney to help you through the negotiation process.

Consider a lump-sum payment: If you have the means to do so, offering a lump-sum payment to pay off the debt may increase your chances of reaching a successful negotiation. Debt collectors are often more willing to settle if they can receive a large payment and close the books on the matter.

Know your budget: Understanding your budget is crucial when negotiating with debt collectors. It can help you identify the best option for repayment, such as negotiating a smaller debt amount if you are financially unable to pay the full balance.

Document your negotiations: Whether negotiating over the phone or through written communication, it is important to document your discussions with the debt collector. Keep track of who you talked to, the date and time of the conversation, the details of the negotiation, and any agreements that were made.

Remember, negotiating with debt collectors can be challenging, but it is possible to reach a fair settlement. It is important to be honest about your financial resources and to provide enough information to support your negotiations without divulging unnecessary personal or financial details.

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collectionsagency · 2 months

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Check out the blog to know return on tax can recover debt.

#credit collection services #debt collection service #commercial collection agency #business debt collection #debt collection #debt collection agency #collection agency #debt collection agencies #commercial collection firm

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muchosbesitos · 3 months

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beyond love

pairing: miguel o’hara x lawyer fem reader

contents: reader’s emotionally unavailable lol, matthew murdock’s a warning on his own too, implied cheating (not from reader and miguel), smut in future parts 🥸

synopsis: you’d moved to nueva york after finishing up with law school, getting a job at nelson and murdock. one day, one of alchemax’s employees comes in needing your legal expertise. tension arises with one of the witnesses.

author’s note: ended up changing the name bc i’m super indecisive but sorry this took me so long to get out 😓 i hope y’all enjoy though :) i did take some inspo from tasm for this one

word count: 6.8k

"You're hired."

That was certainly not what you were expecting to hear. You were barely getting out your resume from your briefcase, having gone over the list of internships you'd done throughout law school. you blinked quickly, almost as if you were trying to assure yourself it wasn't just a figment of your imagination.

"Thank you, I promise you won't be disappointed," you finally ended up mustering out upon regaining your composure. You stood up, shaking the man's hand. He'd introduced himself as 'Foggy' before leading you to your office space to get acquainted. "Feel free to do whatever you want to the space, just don't make any holes in the walls," he told you before leaving the space.

You'd spent all day going from firm to firm, going through your extensive list of internships during law school to end up getting rejected towards the end. You'd gotten used to the forced smile that one of the partners gave you, whispering a half-assed 'I'm sorry' or 'we'll call you soon' with a pat on the back. Not that you actually expected a call back by any means.

You'd missed the subway to go back home, your heels not doing you in any justice when it came to trying to catch it. And just as your luck would have it, the next one wouldn't be coming for another hour. You ended up walking down the streets dejectedly, your briefcase barely hovering above ground with every step that you took.

Stepping into Nelson and Murdock was a last resort, if anything, just another rejection you were expecting to get added to the list. t

The space didn't seem all that extravagant, but at least it had somewhat decent reviews when you searched it up. "Hi, welcome to Nelson and Murdock!" You were immediately greeted by the blonde receptionist at the front desk, the name tag in front of her reading 'Karen.'

You quickly learned why you got hired so easily. The firm was essentially running off good luck and pure positivity. The debt accumulated by the light bill, rent, and phone service surpassed that of what the four of you combined earned per month. The cases that you took outside of the one regarding Wilson Fisk and his subsidiaries were solely pro bono.

Though you supposed a decent plus from it was that you were never hungry. The collection of baked goods quickly grew in your apartment, each a little token of appreciation from your clients. Items from banana bread, muffins, and chocolate chips cookies had accumulated in your kitchen counter. Your clients' faces lit up at the prospect of a reduced sentence or winning their case, immediately showering you in thanks.

Maybe it wasn't so bad.

Another pro from the job was that you had somewhat of a social life now. You went from buying dinners for one to enjoy while watching Netflix on a Friday night to going out with your coworkers.

Your social life before stepping foot into Nelson and Murdock was practically nonexistent. The only reason you'd ever bothered to talk to anyone during law school was to have some form of a study group, purely for your own self interest. As much as any of the other students there. You hadn't bothered to keep in contact with any of the other alumni after graduation.

Josie’s had become your spot to get a drink with the trio after work, usually on Friday night to have time to recover from your hangovers. The stickiness of the floors and the overwhelmingly bad taste of the drinks was overridden by the company that you were with. Conversation with Foggy and Karen was easy enough to engage in, jokes flowing between you three throughout the night. Matt was more reserved than the two of them, though he indulged you in a game of pool sometimes.

"All I'm saying is that I would have less stress in my life if I would've become a butcher. Nothing to worry about except for selling sausages and meat," Foggy remarked after the four of you started to talk about the developments in the Fisk case. The man was much more methodical and complicated than you anticipated, one step ahead every single time.

"Every time you retell that story, my interest in it just gets peaked more and more," Matt muttered from the side, taking a sip from his drink.

"Really?"

"Absolutely not."

You took a sip from your own drink, watching the exchange between the two of them with an amused smile on your face. You hadn't even noticed that the conversation had shifted until you had two pairs of eyes facing in your direction. “Sorry, can you repeat that?"

"Did you ever think about becoming anything else other than a lawyer? Like I dunno, a butcher?"

You took a couple seconds to think about the question, setting your glass down on the table. You'd entertained the idea of dropping out during your time in law school, maybe pursing something along the lines of starting your own business. Though, it was nothing more than a fleeting thought. Nothing really excited you more than practicing law.

"I did think about it, but not to be a butcher. Something in business, maybe."

Foggy moved on to ask the question to Karen, even going as to question if she would consider a career as a butcher one day. She'd ended up saying yes, for the sake of indulging Foggy in a fantasy where stress wasn't a key part of everybody's life. While the two were talking, you couldn't but notice that Matt was staring into you, almost as if he could see you better than you ever could.

The end of the night approached you quicker than you'd expected, the once socially awkward woman now complaining that the night was ending so early. (it was 1 am) Matt stayed later than the two of them, the two of you sharing drinks and playing a couple rounds of pool before you eventually gave up. "Seriously, how are you so good at that?"

He'd managed to get most of the balls into the holes while the only one you'd managed to get in was due to his assistance. "Just listening to how the balls ricochet, I guess," he shrugged off the win like it was nothing, leaning against the table as he downed the rest of his drink down. The two of you leaned against the pool table in silence, finishing up the rest of your drinks before you headed out for the night.

"Can I walk you home?" You heard from behind you, Matt making his way out of the door. He tapped his cane against the floor, making his way over to you. You nodded, your eyes widening slightly upon realizing your mistake. Matt didn't seem too offended by it, letting out a small chuckle as he held onto your arm. "You just nodded, huh?" He ended up asking, the two of you walking down the street.

"Yeah, sorry about that," you responded, enjoying the silence of the night for once. The streets of Nueva York had seemed to calm down with the two vigilantes in the streets, Daredevil and Spider-Man. While their actions weren’t exactly legal, you'd heard of the police divulging details with one of the two to get help with an investigation. Overall, thefts and petty robberies had gone down dramatically.

You and Matt walked to your apartment in silence, though it wasn't uncomfortable by any means. You always found Matt to have somewhat of a relaxing presence, from the way that his words poured out like melting honey to the way he calmly carried himself around. You did notice however, that despite him grabbing onto your arm, it seemed like he was leading you more than you were guiding him.

"Thank you," you spoke up once the two of you approached your apartment, stepping away from Matt. You walked up the stairs, digging through your pockets to find your keys. It always did seem that the moments where you needed them the most, they seemed to just vanish. Eventually, you'd managed to dig them out after practically stripping your pockets from its belongings.

Before you had the chance to step inside, matt cleared his throat to capture your attention. "Would you like to go out with me? I know this great place," he asked, your movements on the door knob coming to a halt. You'd heard of how much Matt got around, from the trip he took to Los Angeles that ended him up with Jen Walters to the nurse that he ended up seducing. You didn't mean to overhear, it's just that the walls at the firm were relatively thin.

"I'm sorry, I just don't think I should in the position that we're in. With you being my boss and all," you responded after a couple seconds, listening to the faint sigh that Matt let out.

"If it makes for a convincing argument, I promise that I won't let our situation affect what we have going on at work. Those are two completely different things and I'm capable of treating them as such."

Well, yes, you knew that he was capable of hooking up with a co-worker and pretending like it never happened the next day.

But.. you weren't so sure about yourself.

"Just take a couple days to think about it and get back to me, okay?" He ended up speaking up after a couple seconds of your silence, departing your apartment.

Your thoughts kept going back to the offer every single time you had a spare second to yourself. And even with that, the answer wasn't making itself any clearer. You had a duty to yourself to make the best out of your law degree and you liked this job too much to give it up for a cheap thrill. But yet, you still couldn't help but wonder about what it would actually be like to go out with him.

After what seemed to be a week of deliberation, you agreed to go on a date with Matt. A test run, of sorts. Nothing that would end up horribly if it didn't work out well. And well, you had to admit that the place he picked out did have some pretty good food. Conversation with him was a bit awkward, given that the two of you hadn't had a reason to talk to each other outside of work but you found it somewhat fun getting to know him.

"Wait so you learned Spanish in college?" You followed up after he shared his experiences in Columbia, how the whole Murdock and Nelson firm came into fruition.

"I did, it wasn't that hard to learn. It serves me now since some of the people in the community speak mainly Spanish. Often overlooked in the legal system so I try to facilitate that."

"So, could you say something in Spanish now?"

"You know, I kinda tend to hate that question since all the Spanish vocabulary from my head just disappears. Give me a couple seconds to think about something."

You were about to tell Matt to forget it after he divulged into thought for a couple seconds, a bit guilty for putting him on the spot like that. Before you had the chance to speak, he broke the silence first.

"You have a face como un burro."

Your eyes widened slightly upon hearing his pronunciation, the accent coming out relatively well given the situation. He'd even managed to roll his r's when he spoke.

"Uh.. do you mind explaining what that last part means?"

"You have the face of an angel."

You knew that he couldn't see your face, but somehow that made the compliment all that much better. The fact that he thought you were pretty just by the way you acted and the way you talked was enough to get you flustered. Though, a small doubt planted inside your head that maybe it wasn't the true meaning of the phrase. You'd have to look it up at a later time if you remembered.

The date continued smoothly, and eventually, the one date turned into multiple dates. Well, whenever the two of you had the time. It was one of the easier parts of dating a fellow lawyer, that he understood the conflicting work schedules imposed upon you. And while conversations with him began to flow easier the more that you got to him and you grew to enjoy his company with each passing date, you still couldn't help but feel as if something was off.

Your relationship with Matt was.. complicated to say the least. The countless dates that he took you to didn't seem to matter when it came to commitment. He called you his girlfriend in private, whispering sweet nothings and calling you names such as 'darling' and 'love' yet the two of you didn't do much apart from eat together and have sex. He acted like a coworker in public, keeping you at an arm's distance. Never once acknowledging you as something other than your last name.

And yet, every time that you wanted to leave the situation you were in, he managed to pull you right back in his grasp with that stupid smile of his. Whispering empty promises as he slid inside you, promises that would long be forgotten by the time morning rolled around. Promises that kept you sticking around until you doubted him again, repeating the cycle once more.

"Hi," a timid voice from behind you broke you out of your thoughts, making you immediately turn around to face them. You'd gotten distracted thinking about your relationship status with Matt again. The thought of leaving started to implant itself in your head. He'd been making excuses for missing dates, leaving you to try to rationalize his absences. The first thing that you noticed about the man was that he was covered head to toe in bandages, obviously in your office for a personal injury case.

"Hi, sorry about that. Welcome to Nelson and Murdock, can I get you something to drink?" You snapped back into it, making a beeline for the coffee machine. "Just a glass of water, please," the man spoke up, his tone making it seem like it was an inconvenience.

You handed the cup of water over to him with a small smile, hoping to help him get more at ease with the situation. You beckoned him to sit down, taking your notepad out of your desk to begin writing down the details that he would share. The more that you listened to the man's story, Max, the more that your bewilderment grew. Electric eels? No wonder the man was covered up the way he was.

"So you fell into a tub of electric eels while you were working overtime?" You asked after he finished speaking, wanting to make sure you'd gotten the details right. You set down your pen, leaning a bit forward on the desk. "Yes, that's exactly what happened. I’m seeking out your services because I got fired right after the incident and I want to regain my position at the company."

Ah, they'd fired him to avoid a personal injury case. Which was exactly what you were going to convince Max to file.

"You know that you can get some type of compensation for what happened? Given that you got injured in a work space. I can help you get your job back but I believe that you're deserving of much more than that and I can be the one to help you throughout that path."

After a bit of convincing from your part, you'd managed to get Max to agree to the conditions that you were setting in place. You'd managed to get the paperwork rolling to get the lawsuit filed before he left, leaving you only to go to Alchemax and try to get some testimonies. You did a bit of research on the subject, distracting yourself from the thought that Matt hadn't bothered to step foot in his office all day. not even a call to let you know he hadn't died or something.

You weren't sure what you were expecting upon meeting the CEO of Alchemax, Miguel O'Hara. The photo that he had up on the website was a portrait of him with an unamused expression on his face, his brows furrowed as if he were willing for the camera to click faster. The very same expression that he was currently giving you right now. "Hi, I'm the attorney for Max's case. I was wondering if i could get your testimony."

The only sign of acknowledgment that you got from him was a grunt before he turned over to look at Max, his expression softening a bit. An expression that you would've missed had you not been conditioned to look out for every minor detail. "Can I talk to you really quick?" Miguel asked, unwilling to acknowledge that you were still in the room before he walked into a conference room behind him with Max.

You leaned your ear to the door, trying your best to listen in on the conversation. It had been a harder task than you'd expected, a couple employees shooting you dirty looks upon seeing you against the door. You could make out a couple sentences in between their hushed whispers, your brows knitting immediately as you heard the exchange.

“I'm saying is that I don't think she's a good fit for this lawsuit. She looks inexperienced. You know I could get my lawyer for you if you wanted, Max."

"You know I respect your opinion and all, Miguel, I really do. But isn't your lawyer mostly just based on family law?"

"Well yes, but I'm sure he has some lawyer at his firm designated towards personal injury lawsuits."

You stepped away from the door, dusting off your clothes as you let out a scoff to yourself. How dare he. How dare he make those comments without even bothering to have a full conversation with you? The most he'd given you was a glimpse, if you could even count the three seconds he looked in your direction as that. The two men in question departed the room and the first you noticed was the scowl that adorned miguel's features.

"How long have you been practicing personal injury cases exactly?" Niguel's voice snapped you out of your thoughts, like he was the one you needed to convince rather than Max. While your experience as a lawyer was mostly based around criminal law, you weren't about to divulge that information with Miguel. Not when he already doubted your abilities.

"I practice mostly in criminal law now, but I have some experience with those types of cases after completing a internship during law school," you responded, trying to maintain some semblance of your composure. You could tell that max greatly valued the opinion of his superior, if the look in his eyes was anything to go by. You had to impress him if you wanted to impress Max.

Miguel's eyes slightly narrowed at the statement but he decided not to question you further, having asked what law school you went to prior to that. "I'll see you later when you take my testimony?" He asked, to which you nodded. He departed the space, leaving you alone with Max. You guided him inside the conference room that he'd been with Miguel a couple seconds back, deciding to host your questioning inside.

You'd gotten the gist of what the lawsuit was concerning from Max when he first came in, but you wanted to make sure you had every detail on paper. From what time he'd clocked in to what time he'd clocked out, what he'd worn to work, small details that would normally be overlooked at first glance. You turned on the small recorder that you brought along, setting in the middle of the table so it would pick up every word spoken.

"So you came in at 5 am and left at 8 pm?"

"I did, yes."

"Were those overtime hours voluntary or were they placed upon you?"

"The boss of the division told me I had to stay behind to work on it when I was getting ready to leave. I was planning on going out and buying myself a birthday cake that day."

You couldn't help but feel a bit of sympathy for Max, your brows furrowing as you wrote down what he was telling you. You shut the recorder off, having collected most of the information that you were looking for. "For what it's worth, happy late birthday Max," you spoke up once you were finished writing, a surprised look on his face as the words registered. Almost as if it was the first time that someone had ever said those words to him.

"Thank you, no one really bothered to remember," he responded, sounding less timid than when he'd first stepped foot into your 'office.' While at first you were simply viewing him as a client, a means to build your expertise, you couldn't help but feel upset the more you talked to him. He'd come into your office, simply looking to get back into the job that had done him wrong. He seemed like a genuinely nice guy, overlooked by everyone in his life.

"Alright. I'll make sure to keep you updated on any developments in the case and when a court date has been established. The company's mostly likely gonna want to settle so it's up to you if you want to accept the compensation that they offer. My advice would be not to, at least not on the first offer," you spoke up, standing up after you were finished. You handed your card over to Max, helping him out of the building.

It was only after Max had left that you made your way up the stairs, looking for Miguel's office. You browsed through the different rooms, his being the furthest one in the hall. The biggest one. Of course. You knocked on the door, waiting for some type of answer. You looked through the window, noticing that all the lights had mostly been dimmed down. You weren't expecting anyone to actually open the door, collecting your stuff to attempt to come back at a later time.

"Can I help you with something?" You heard before you had the chance to get too far, Miguel standing in front of the door. you saw the look of exhaustion on his features, the darkness around him almost emphasizing it. "I was wondering if i could get your statement now but I can come back at a later time if you want."

Miguel didn't say anything, walking back into the room once you'd finished speaking. He had left the door open, though. You took that as a silent invitation, stepping inside the space and closing the door behind you. The sunlight peeking in through the windows helped illuminate your way over to the desk he was sitting at. "I'll take care of a phone call and I'll be back to answer whatever questions you have, attorney."

The statement that Miguel had given you was strangely detailed, every detail regarding the scene memorized. you couldn't help but notice he seemed to mutter out every sentence he spoke, barely making an attempt to open his mouth. The only times he'd spoken clearly were when he had his back to you and even then, he seemed to speak with a bit of a lisp.

"So I'm not saying you have to alter this right away, but you're gonna have to speak up louder in court if you want them to hear you." you spoke up after he finished answering one of your questions, making sure to approach the subject with caution. You didn't know if he would be sensitive towards it.

Even through the darkness of the room, you couldn't miss the glare that he gave you even if you tried. Yup, clearly sensitive. "I can't speak any louder if I tried. I'll try to keep it in mind though," he made more of an effort to make himself sound louder, though not by much. But at least he was willing to take your advice into consideration. You made a mental note to talk to the judge about adjusting his microphone volume.

"¡Papi!" A small girl approached miguel, her arms reaching up to where he was sitting. Miguel was the most vulnerable that you've ever seen him, his angry resolve melting into pure butter at the sight of the little girl standing in front of him. "Hola mija, how was school?" He asked, the two of them getting into a conversation about how her recent math quiz had gone. It was nice seeing the two of them interact, the way he followed up to every statement that she made.

"You don't mind if my daughter stays here during the interview, right?" Miguel asked, clearing his throat as he looked up at you. And just as soon as his resolve melted, it came back. "No, I don't mind since she's not testifying," you responded, watching as Miguel reached into one of his cabinets upon hearing your response. He took out a board game, Operation. he handed it over to the girl, her eyes almost seeming to shine in the darkness enveloping the three of you.

"Gracias papá," Gabriella told him upon receiving the game, skipping over to a lab table to play by herself. You jumped back into the questions after making sure that Miguel was ready, his demeanor seeming less hostile as compared to earlier. He responded to your questions with much more precision, adding in as many details as possible. You could tell just by the way he was fidgeting around that he was anxious to be home with his kid. You wrapped up the process pretty quickly, making swift movements to clear the desk from your belongings.

"Miss Lawyer Lady? Do you wanna play with me? It's just.. my mom doesn't really play games with me anymore," Gabriella spoke up before you had the chance to leave. You walked over to the table she was sitting at, putting your briefcase down. "Gabriella, I'm sure 'Miss Lawyer Lady' has things she needs to do. I'll play with you," Miguel told her, making the little girl turn to look at you with puppy eyes.

And you did have things to get done.

You had to review the evidence you'd collected today. Go through the different voice recordings to make your own recollection of events. Go through countless hours of security footage.

And yet, you found yourself agreeing to play a game of Operation with her. You convinced yourself that you were staying solely because those puppy eyes made you weak. You'd been planning on taking it easy on her but the thing is, she was much more talented than you at the game. While you were making the game buzz time after time again, she took out the items with ease.

"Makes sense why you decided to be a lawyer instead of a surgeon," Gabriella teased you after you messed up on the heart. You reluctantly handed the tweezers over to her, letting out a small chuckle as she struggled with the same section. "Think she might've killed your patient by now, Gabi," you hadn't heard Miguel come by and suddenly, he was standing next to you. "Fine, then you try it big guy," you challenged, handing him the tweezers when it was your turn again.

You almost wished you hadn't bothered to tease him. Despite the size of his hands, he was able to maneuver the tweezers in a way that guaranteed the piece wouldn't touch the board at all. All you could do was swallow your words when you looked over at the stupid smirk directed your way. But at least the scowl was better than the scowl he seemed to have reserved towards you.

“Hey, what does ‘cara de burro mean?’” You asked after a couple seconds, the sentence making itself back into your head. You’d meant to search up the meaning of it months ago but you seemed to forget every time you actually got close to a computer. “donkey face,” Gabriella answered, keeping her attention on the board in the middle of the table. You looked over at miguel for some kind of a reaffirmation, being met with a nod.

Oh, that shocking bastard.

You looked down at your phone upon hearing a buzz, your face immediately forming into a frown once you read the contents of the text. Another cancelled date. Three times these past two weeks alone. you looked up to see Gabriella looking curiously at you, waiting for you to divulge who and what the text was about.

"Just some guy I'm seeing. Cancelled our date again."

"Why don't you dump him already if he's done it more than twice?"

Because you still held out some hope that maybe, by some miracle above, he'd start to put in the effort that you needed so desperately. "It's more complicated than that, he's good when he wants to be," you weren't sure why exactly you felt the need to rationalize Matt’s actions to a eight year old but here you were.

"Just seems like he doesn't know what he has. You're very pretty, Ms. Lawyer Lady. Even though you suck at Operation, you're still pretty smart."

You couldn't help but smile at her words, going back to messing up your round of Operation. Hearing her say that was almost reassuring in a way, that maybe you did deserve more than what Matthew had been giving towards you. You could've sworn you felt Miguel's eyes almost boring into you for a couple seconds, though he had his attention on Gabriella when you turned to look at him.

The three of you spent about an hour playing Operation before Gabriella had to get ready for her soccer practice, leaving you wandering the streets of Nueva York. While Matt had cancelled on your date with him, you figured that maybe it wouldn't hurt to take the date over to him. You stopped by his favorite spot to get noodles from, getting a dinner for two before heading over to his apartment.

The sight in front of you made you regret even spending one more penny on what he wanted.

What awaited you in Matt’s apartment was a sight that you weren't expecting. He was sprawled out on the couch, bruises and cuts adorning his body like a second skin while a black haired woman worked on rubbing some alcohol into the deep marks. Wearing one of his button down shirts. With nothing underneath.

"What are you doing here?" Matt’s voice broke you out of your frozen state of shock, your grip on the takeout bag tightening so you wouldn't drop it. "I came here because I thought that we could share a dinner but clearly I was mistaken," you couldn't hide the bitterness out of your voice as you spoke. You were trying not to yell, knowing how sensitive he already was towards everyday sounds.

"It's not what it loo-"

"No. I don't care what you think this looks like. Because what it looks like to me is that you've been disregarding my texts and my calls to be out with this woman. That you've been cancelling out on our dates but you have no problem making time for her."

Matt and the woman remained quiet, almost as if they both knew that they wouldn't be able to come back with a rebuttal to that. "I can't believe I took time to beg you for a relationship," you finally muttered as you made your way out the door. You stopped by the steps, almost as if you were waiting for the woman and Matt to follow. For matt to beg you to come back to his apartment while the woman left in shame.

Unfortunately, you only stood there like a fool for two minutes. the door remained closed, their hushed whispers bleeding out through the walls. You made your way down the stairs, maintaining the last bit of your pride as you headed back home. The only thing you had to console yourself with was the noodles in your hand, though they were cold by the time you'd gotten home. You'd ended up eating your dinner alone, playing one of the videos of Gabriella playing soccer that Miguel so generously sent over.

Matthew hadn't been lying when he said that he was able to act like nothing happened between the two of you. The next day he was back to handing you case files and asking what you wanted for lunch like the event didn't happen. And normally, you'd appreciate the gesture. But now, all you could feel was infuriated. How much time you begged him to give a relationship with you a chance only to end up crying into your pillow the next day. And now, he acted like it was a glitch.

Like you were nothing more than another average employee.

You were able to act as nothing more than an average employee after taking a couple days to let yourself mourn the loss of your relationship. The evidence that you collected towards Alchemax was overwhelming, almost assuring you a 100% chance of winning the case. You'd made sure to talk to the judge about adjusting the microphone settings and turning off some of the lights to make things comfortable for your witnesses. Well, one specifically.

You could tell that Miguel appreciated those little details, his shoulders becoming less tense when he set foot onto the stand. He made an attempt to try to speak louder into the microphone, even if he was still trying to cover up his teeth. You appreciated the effort that he put into it, making sure to let him know that he'd done a good job. "Just focus on winning the case," he muttered after you were done, but you could've sworn you saw a hint of a smile on his way out.

Or maybe you were just delusional and you were looking for little signs that weren't there.

The countless hours of overtime that you spent reviewing past cases regarding this section of the law, working out drafts of the prosecution that you wanted to present, had come to fruition in the work. Max received a hefty amount upon the jury's decision, the verdict stating that the company was fully responsible in the damages that were caused to him. In turn, the company also took him back and made sure to sign on an agreement where they swore to make their work area more secure.

Overall, a win-win scenario.

"Congratulations. I suppose you're not completely incompetent," Miguel remarked upon seeing you walk in the restaurant, his arms folded across his chest. You planned on taking that as a compliment being that it was the only semblance of praise that he'd given you so far. "That might be the nicest thing you've said to me all day," you remarked, making your way to the table where Max was waiting for the two of you.

He invited the two of you out to drinks after news of the verdict got out, seeming like he needed ideas on how to spend the money he'd gotten. To which you graciously accepted.

"Thank you. For the time that you put into my case, I know how busy you lawyers tend to get," Max told you after greeting you, his gratitude towards you evident. No matter how many times you'd get praised by your clients, you'd never quite be able to get used to the way they spoke to you. They spoke to you like you were a hero, expressing their thanks time after time again.

Max and Miguel got into a conversation about one of the experiments that they were working on, the two of them including you into the conversation whenever you had a question to ask. You appreciated that the two of them tried to include you despite your limited knowledge in the science field. "No, the variable needs to be in a 90 degree room to be able to thrive properly. Otherwise, we just have to go out and scrap the experiment," Max explained to one of your questions, expressing how crucial that aspect was.

While it wasn't exactly riveting to hear the two of them explain the differences of DNA and RNA, you still found yourself having a pleasant time by the end of the night. "Sorry guys, I have to get going. But thank you for coming out tonight and for winning my case," Max dismissed himself around 8:30, giving the two of you a handshake before departing the restaurant. Despite the fact Max had offered the drinks, you and Miguel still chipped in for your individual drinks.

"Y'know, I tried to act cordial around you and treat you as respectful as possible, but you still don't like me. I’m curious as to why," the alcohol in your system loosening up your tongue, the words escaping from your mouth before you even got the chance to think about them twice. Your eyes widened as you looked over at Miguel, expecting him to just leave the money on the table and leave.

Rather, he seemed somewhat amused by the situation. Well, as amused as you'd ever see him be. "I don't like you because you're one of the most unpredictable women i've met. You just make me nervous. And frankly, it’s attractive in a way," he finally spoke up after a while, taking his own drink in hand. You blinked slowly, hoping that with a couple more seconds, you'd be able to register what he'd just said to you.

He continued to speak after your silence, taking advantage of the situation. "Sorry if I'm overstepping any boundaries here, but I feel as though there's some tension between us. I was wondering if you wanted to explore that."

Always the geek, even when he was trying to lure you into his bedroom.

"I'm not exactly looking for anything serious right now."

Your battered heart wouldn't be able to take being treated the same way Matt did to you again. Not even one more single time. You were determined to avoid getting put in that situation even if it meant you were missing out on opportunities.

"I'm aware. But I’m not looking for anything serious either, just something for the night."

Out of all the things that came out of his mouth tonight, that certainly wasn't what you were expecting.

Well, now or ever.

But.. you also couldn't deny it to yourself that you felt some of that tension that he'd been mentioning. Even if the two of you could barely be in a room together most of the time, he was still infuriatingly attractive. especially in the stupid button down he'd chosen to wear, his arms practically bulging out the sleeves when he rolled them up to his elbows. The pants he had on didn't help the situation either, the material accentuating his thighs and his slutty waist.

You wouldn't have figured as much. you would've imagined him seeking out a serious relationship, someone that would be able to properly take on the mantle of being Gabriella’s stepmom. But, in a weird way, you supposed that it also made sense. He and Gabriella both had their own sets of issues after his wife left the two of them behind, both of them wanting that sort of connection without actually putting themselves at risk of getting hurt.

You looked down at your phone when you felt it vibrate, seeing Matt’s name pop up on the screen. as much as you wanted to disregard his call, you figured that it probably wouldn't be the best thing to do. He was still your boss after all. This could be a call related to something about the Fisk case.

"Hey, what's up?" You tried to mask your reluctance as you spoke, though Matt almost seemed to notice it every time that it happened.

He didn't seem to care this time, jumping straight into the case of this phone call.

"I'm calling to see if you want to come over, darling. I mean, breakup sex has to be up on the list for top experiences."

You couldn't help the groan that escaped from your lips upon hearing the request, almost laughing at the audacity that he presented. Though, you figured he would've called an asylum had you started laughing now. He's still your boss. He's still your boss. He's still your boss.

"No, I'm not interesting in hooking up with you. I didn't think I had to tell you but I don't want you calling this number unless you have something related to our job. Goodnight."

You didn't give Matt a chance to respond, putting your phone away in your purse. You were busy mulling over Miguel's words, gulping down the last of your drink. You tried to think of any negatives that sleeping with him would have, but you eventually came up with nothing. You wouldn't have any obligation to see him if this all went south and the two of you agreed beforehand that this was something casual.

So, there was really only one thing for you to do now.

"Sure, let's go back to your place."

tags 🫶🏼: @yougavemeyourheartyouknow @lazyjellyfish300 @pxtched @nympholove @ifiwasaguybrickedup @yournextbimbogf @nixinluv02 @lizaistewdelulu @monarchberrysblog @loser-alert @spiderpapi2099 @sloverr

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softagenda · 9 months

Text

pillow talk (multi)

rating: m+

drabble collection: moments with each LI in the sheets, told through intimate and vaguely sinister drabbles

originally posted on ao3

masterlist

Preview

You stared into the smoldering fire by the bed, amidst the sumptuous blankets and furs, from the prison of his arms, suddenly cold.

Leander

“And how does the magic happen,” you teased, now languorous and slightly drunk, your body aching pleasantly and cheek pressed to his bare chest.

“Give and take, beautiful.” His hand stroked along your back, tracing a swirling, winding pattern.The rings on his fingers brushed a cool kiss against your skin. “Sometimes, it’s a small thing: a free drink here, a favor there. For others, well… every debt must be repaid in equal measure.”

A handful of free drinks. A room at the inn.

Information, knowledge of the city, a personal guide.

Minutes - an hour now, altogether - holding your hand, resisting an ancient curse, a risk of incalculable value.

You stared into the smoldering fire by the bed, amidst the sumptuous blankets and furs, from the prison of his arms, suddenly cold.

The tip of a finger dipped in the valley of your spine and drew a line up your back. As though he felt the slight stiffening of your body, his hand settled against the nape of your neck, his palm a hot, firm weight holding you to him. His thumb sat below your jaw, stopping over your pulse.

Leander rested his cheek against your head and pressed a kiss to your hair, the words drifting across your ear like the mist enshrouding the city. “The only truth of this universe is this: nothing is free.”

_______________________________________

Kuras

Candlelight brought you from the shadows of your doze.

Blurrily, you nuzzled closer to the firm pillow by your face when the familiar scent of magnolia - sweet, slightly citrus, earthy - filtered through your senses, alerting you like smoke in a barn.

Your eyes opened.

The pillow was, in fact, a thick, muscled thigh covered in a layer of white cotton trousers. Following the leg upward, you took in the sight of Kuras in the dim, flickering light of a single candle by the bedside. He held a book in his lap, one hand idly turning a withered page. A thin trail of smoke drifted into the dark beyond his shoulder.

Gold eyes met yours after a moment. Even in the deep night, they glowed brighter than the flame at his hip.

He smiled indulgently. “Dawn will not break for a few hours more. Sleep.”

You stared at that smile, blinking heavily, clinging to wakefulness for just a little longer. A thought nudged at the fuzzy edges of your mind at the smile, the eyes - a thread of disquiet amidst the warm cocoon of blankets and his body.

Kuras lifted one hand and turned to the bedside table. A thin stick passed through the flame, the smoke blooming like petals from the stem, before magnolias perfumed into the air once more.

As the scent wrapped around you, filled your lungs, soothed the voice at the back of your mind, a large hand cupped your cheek. His thumb caressed the corner of your eye before coaxing the lid shut and lingering there, gently holding.

“Sleep. I am here with you. I will watch over you.”

You slipped back into the night.

________________________________________

Ais

The soft bubbling of water woke you.

Your hand sleepily tugged the kimono over the bared edge of your shoulder. You’re curled into a ball beneath the thin fabric, legs fully tucked under the hem, hands curled against your chest, a tortoise sheltering from the cool, humid air drifting from the water’s edge.

Peering through the folds, you stared at the empty sheets next to your eyes adjusted to the night. Then, turning on your other side, you looked for him.

Glowing red eyes caught yours instantly.

He leaned against the open door. Moonlight painted his chest and shoulders pale silver, glinting sharp on the necklace that hung by his navel, his rings, his horns. A cigarette lingered by his mouth. As he drew another puff, embers burned and flared at the end.

“Want a hit?”

You sighed and rolled over on the bed, cheek pressed to the cold sheets. “No. Could use a drink though.” Your mouth felt dry, your belly hollow.

Ais held your gaze for a moment before releasing the smoke in a soft grin. He flicked the cigarette outside the door and strode over, bare feet silent on the creaking wood of the old pier.

At the edge sat a chalice. With two fingers, he hooked the rim, knelt by the red waters, and dipped it beneath the Seaspring.

The chalice full to the brim, spilling over his fingers, Ais took a seat on the bed and braced his arm over you. Several drops fell to the sheets; they wicked into the fabric, not fading to a blush but thickening like blood.

You glanced up from the stain to his face cast in shadow, the red gleam of his eyes thickening too, swallowing up his pupil..

“Drink up, sparrow.”

_____________________________________________

Vere

A claw traced delicately over the crown of your head before sinking into the length of your hair. He stroked as though petting a cat - idly, indulgently, reclined against the mountain of pillows on his bed and curled above you with his chin braced on his palm and bent elbow.

You laid there on the sheets, sweaty and panting, every nerve in your body vibrating, aching with the ghost of pleasure and pain. A sickly feeling sapped the strength from your body. The gold veins across your hands and arms felt hollow as scorched earth.

“Can’t catch a breath?” His voice curled with smug satisfaction, the smirk evident without needing to see for yourself. “All that muscle and misery, with the stamina of a virgin.”

Craning your head back, you glared at Vere through the messy fringe of hair sticking to your face. His claws pricked the nape of your neck. You arched your back away from the bright points of pain and heat.

“Soon, I’ll have you trained to my tastes,” he mused, his gaze trailing down your bare body. “Enough to sate me, at the very least. It’d be troublesome to have you burn out too fast.”

Fur brushed against your thighs and stomach. His thick, russet tail flowed over your body in a fiery river, the soft pelt tickling over your skin. Heat radiated from it, the ancient magic humming in his veins, less volatile now that he’d taken the edge off.

After one last teasing prick of claw, Vere reached down and lifted the length of chain pooled on the sheets. He slipped the end around your neck and pulled through.

Then, with a rumbling sigh, he leaned back against the pillows and closed his eyes. “Wake me up before noon, and you’re lunch.”

With a flick of his hand, the candles extinguished.

You stare at the dark ceiling, cold steel brushing your throat with every breath.

______________________________________

Mhin

A chill settled over your skin, casting your dreams in shades of winter. Goosebumps rolled down your arms in a wave. Subtle, heavy breaths disturbed the peace of the night.

Your eyes shot open.

The window gaped open. An autumn breeze stole inside, undulating against the curtains. Clear moonlight spilled across the floor, illuminating the toe of a boot and a pool of blood. A ghostly figure sat beneath the sil.

Heart pounding, you held still, squinting through your lashes, trying to see the face hiding within shadow.

Thick leather pants and bracers. Flowing white shirt. Midnight blue hood, hooked to the collar with silver rings. The light caught the edges of messy hair beneath the hood, shining in the gloom like frost across a frozen pond.

Your hand released its taught grip on the dagger beneath your pillow.

Wrapping the blankets around your body, you sat up and leaned across the mattress. “.... Mhin?”

White eyes with red pupils appeared within the shadowed face.

You shuffled to the edge of the bed. Glancing at the blood, you asked, “are you injured?”

After a quiet moment, they slowly shook their head. Mhin folded one leg and braced their arm on their knee. In their hand was a silver dagger, twin to the one you’d hidden beneath your pillow. Fresh blood licked the edge of the blade.

“Are the bodies on the roof or the street?”

Finally, a spark appeared in their eyes. “Strung them up like gargoyles.”

You huffed a laugh. Fresh corpses lured Soulless like flies to honey. They’d never. “How thoughtful of you to help decorate for Leander’s party tomorrow.”

Mhin shot you a weary look that clearly spelled the fuck do you think, before their head dropped back on the wall with a soft thud. The bruises beneath their eyes were dark as plums. They’d never slept soundly, but since the attacks had started, a few good hours had dwindled into a half hour here and there at best.

You considered chiding them for a moment before sighing and rising from the bed. Scooping the quilt from the bed, you shuffled over and dropped down to the floor next to them.

“What are you doing,” they grumbled, frowning when you leaned into Mhin’s side.

Heedless of the blood wicking into the sheets, you spread the bedcovers across their lap and yours before gingerly resting your head on their shoulder.

Mhin sucked in a breath. “You’re not actually going to sleep like this?” When you only closed your eyes, they growled, “Ridiculous.”

Minutes passed. Then, “I’ll shove you off the second another wave hits. You realize that, right?”

You kept silent. Beneath the sheets, you found their hand and covered the back with your palm, fingers webbing through the gaps between theirs, hoping to warm them.

“Your back’s going to hurt like hell tomorrow.”

Then slowly, as the night and their body next to yours filled you with a sense of safety, their grip tightened on your fingers.

A smile slipped across your mouth as you drifted off to sleep once more.

_____________________________

a/n: ending on a fluffy note - comments and likes are appreciated!

#leander x mc #leander x reader #ais x reader #ais reader fic #touchstarved fanfic #kuras x reader #kuras x mc #vere x mc #vere x reader #mhin x reader #mhin x mc #ais x mc #touchstarved imagines

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berrygoodjob · 14 days

Text

MDNI 18+

Wanna bet?

What happens when you bet your virginity with Taiga and lose….

Tokyo Debunkers smut

CW: taiga, mild dub-con, very brief mentions of torture, biting, fem-bodied reader, gambling, virginity loss, selling your body, blood, mild vore, creampies, debt payment through sex, rough sex, cunnilingus in the torture chair, Voyeurism

“Ha! I win again!! Sorry Taiga, looks like I’m up this time!” you laugh at another win for you while taiga grumbles on about a losing streak.

“Hm playing with you isn’t very interesting, you always take the safe bet.” Taiga groans in response.

“Well duh, I’ve seen what kind of treatment the debtors of Sinostra get, and I’m not all that interested in being hunted for sport….” A chill runs down your spine at the thought of you friend Kaito and how he’s constantly being chased and hunted by Romeo. “….your vice captain doesn’t mess around.”

“Gyahahaha! I guess he doesn’t!” Taiga laughs off his vice captains less than legal methods of debt collection. He smiles sinisterly. “hey I know, let’s make this next bet an interesting one.”

“Interesting how?”

“If you win, I’ll clear your little friends debt.” He smirks, knowing that this is gonna be hard to refuse.

“And if I lose?”

“You let me fuck you.” His smile never drops.

Your face goes bright red as you realize how deep shit you’re about to be in. On one hand, you have the chance to clear the massive debt your friend is always whining about, on the other, you stand to lose your viginity, and to Taiga of all people…. Not that he’s unattractive or anything, but he’s not necessarily known for his delicate nature.

“Whatdya say? Sound like a fair bet to you?”

“No way!!” You huff at even the mention, but it actually doesn’t sound too bad. Besides, you’ve been on a winning streak….. Taiga’s been losing at every play….

“Suit yourself, but I spy Romeo on his way to hunt for debtors.” Taiga grins and nods toward the casino entrance, where Romeo has his sniper rifle loaded and ready to go hunt some debtors and shake them down.

“….fine. You’re on.”

“Great! Let’s play roulette for it then.” He tosses his arm around your shoulder and leads you to the roulette wheels.

“Why the sudden change?”

“We’re leaving this one up to chance! That way if you lose you can’t say I fixed the match gyahaha!”

You look at the wheel in front of you. Taiga watches intently.

“Red or black? It’s your choice.” He nods toward the wheel.

“…..I choose black.”

“Hm, don’t think so. Red for me then.”

The reality of the situation is starting to hit you. The ball rolls around as you watch Taiga. He’s completely enthralled by the game. He really is nice to look at, but he’s kinda scary, and he’s always so harsh….. If you lose, you’re really going to be at his mercy…..

And just as you have that thought, the ball lands on red. You lose. He turns to you and smiles.

“Better luck next time~” his voice dripping with faux sympathy.

He wastes no time in tossing you up over his shoulder and walking away from the casino and towards his room. He tosses you down on the bed and climbs on top of you.

“H-hey hey wait!!” You put your hands between the two of you, trying to keep a bit of distance. Your face is starting to turn a bit red.

“Hm, not going back on your bet now, are you?” His smile drops.

“L-let’s at least make one rule okay? A safe word? Right…?”

Taiga considers for a moment. “Sure, what’s your word?”

“….cashmere. And if I say that you have to stop no matter what…. Okay?” You say a bit sheepishly now.

“Mhm, but this is gonna be fun, I promise….” He pushes you onto your back, straddling your hips, keeping you pinned beneath his weight.

He leans over. You look up at him, unsure what to expect from here, so you just nod, visibly nervous.

In a surprisingly gentle motion, he brushes some hair away from your face. Then in contrast, he presses his lips against yours in a hungry sort of kiss.

As the kiss gets more intense, his hands snake down your waist to a firm grip on your hips. Your own hands starting to feel more comfortable wrap around his neck to pull him closer. Having his body pressed against yours during the heated kiss doesn’t feel as bad as you’d thought…. Actually it feels good, really good.

His body is toned and extremely warm against your own. His hands rubbing small circles on your hips, gently raising them just enough for you to feel him getting hard down there.

He nips at your lip and upon your gasp, his tongue enters your mouth. You taste a bit of blood, but that’s the last thing on your mind now as he begins to dominate your mouth. One of his hands moves away from your hips and traces up your waist and under your shirt.

You inadvertently gasp slightly and arch your back as his hand feels around your breasts, roughly squeezing the soft flesh.

His mouth breaks away from the kiss and moves down to your neck. It starts out gentle, as light kisses, but it quickly progresses into soft nibbles, then a full on bite.

“Ow!” Your hands move to push him off, but he catches both your hands in one of his own, not even needing to look up. He pins your hands above your head.

“Be good.” He growls into your neck, fully taking in the scent of you. You feel a drop of blood drip from the bite. He licks it up and kisses the wound.

He begins to roll his clothed dick against your hips, grinding into you at a painfully slow pace. You buck your hips, desperate for just a little more friction, but with his free hand he keeps you pinned down. He continues to nibble and bite at your neck and shoulders. Making sure to lick up any blood that begins to flow.

The hand he has on your hips now is tugging at the waistband of your uniform skirt, slowly pulling it down. Your face heats up a bit. He releases your hands to remove your shirt, as well as his own. He’s lean, but undeniably muscular. There are a few scars littering his skin, likely from his own reckless behavior in the field…..

Your eyes wander his chest and torso, not even noticing your own exposure until he sits up, still on top of you, and lets out a low whistle.

“You sure keep your aces close, dontcha?” He grins, eyeing your chest. He removes your bra with skill and precision. “That’s a view I could get used to…”

You start to feel the embarrassment of being almost fully nude in front of him. You try to cover yourself with your hands a bit. He clicks his tongue and stands up.

“None of that.” He pulls you off the bed with him and shoves you down in his torture chair. He straps you down before you can even get a word in.

With your arms strapped into the chair he sits on the floor and pulls your hips toward his face, spreading your legs.

“Taiga what are-“

“Shut up. Not another word. Let me enjoy this.” His tone is dangerous, much more serious than you’re used to. He threads your underwear around his finger and pulls it to the side, taking in the sight of your pussy all exposed for him.

“You’re wet.” He grins.

“Well yeah but-“

“I said shut up.” He glares at you from the floor. Once again, dead serious. He plants his hand on the sensitive spot where your leg meets your hip and uses his thumb to brush your entrance open, collecting some of your slick onto his finger. He grins and tastes it.

“Fuck, princess, that tastes good….” Wasting no more time, he shoves his face into your pussy. He licks and sucks on your sensitive clit.

You gasp and squirm around at the unfamiliar sensation of pleasure down there. Your hands move against the restraints of the chair and you whine a bit.

Taiga continues to suck your clit, now playing with the entrance to your cunt with one of his fingers, but not going all that deep.

You feel a twisting sort of knot begin to form in your stomach as you start bucking your hips shamelessly into his face.

“That’s right, cum on my face pretty girl…..” he growls into your heat. The vibration of his words pushes you over the edge. You cry out as pleasure rips through your body. He speeds up, then pulls away.

The lower half of his face is dripping with your juices. He chuckles. “I didn’t take you for someone so eager.”

As you pant and start to come down from your high, he undoes the restraints. He pets your hair lovingly, leaning down so his breath hits your neck. “Now we can start for real.”

He tosses you back onto his bed, with no regard for how easy it is for him to completely manhandle you. He pushes himself between your legs and starts to position himself at your entrance.

“Such a good girl….” He leans down and kisses you. It’s a bit more gentle this time. He pushes his tip in, groaning a bit at how tight you are. “….fuck, I thought I prepped enough. Relax.”

You feel his girth starting to stretch out the entrance of your pussy. He rolls his hips a bit, trying to get a little bit further in. You can’t choke down the moan of pleasure that escapes your mouth. “Fuck taiga~”

And at that sound, he can’t help himself, he snaps his hips all the way against yours, plunging himself balls deep in a matter of seconds. You cry out in pain, but he wastes no time to let you adjust.

His mouth takes over yours and he draws his hips back just to snap them into yours again. He greedily sucks on your lower lip as he fucks himself up into you at a brutal pace. His movements as fast and rough, but he makes sure to hit that sweet spot inside you each time.

You can’t even keep track of the noises leaving your mouth. He lifts one of your legs up into your chest to hit even deeper inside you.

His mouth moves down to your neck, once again nipping and sucking as he rails into you. His pace still not even beginning to ease. You feel that same knot start to form in your gut.

You try your best to verbalize what’s about to happen but instead, Taiga snaps into you even rougher.

“That’s it doll, cum all over my dick. Fuck yoh feel so fucking good….”

You cry out again and do just that. Creaming all over his relentless cock. He doesn’t even bother to slow down as he rides you through your high.

“Shit, squeezing me so fucking tight…. Don’t know how much longer I can last like this….”

Without any more warning than that, he flips you over onto your stomach and drags you to the edge on the bed so your legs dangle over the edge. He stands up and begins to hit even deeper inside you, his cock now bullying at your cervix.

He has your hips lifted up off the bed and face pressed into the mattress. You’re practically drooling all over his sheets the way your jaw is hung slack from the intense pleasure. Incomprehensible sounds leaving your mouth.

“That’s right sweetheart, fuck, lemme hear it…”

His balls hitting your clit at each rut into you is sending you close to the edge again, he leans over you, pressing his hot sweaty chest against your bare back, wrapping his hand lightly around your throat. He bites into the nape of your neck hard.

His pace is starting to get even harsher, pulling you even closer to another orgasm as well as letting you know that he’s getting close too.

With a few more rough thrusts he clenches his jaw around the flesh of the back of your neck. And buries his cock as deep as he can inside you, ripping another orgasm from you. Then another thrust, and you feel him twitch inside you. He holds you in place, with the tip of his dick roughly pressed against your cervix as far as it can go. You feel his hot cum full your insides, starting as deep as it can. He lets out a few shaky breaths and releases his jaw.

“Fuck. s’good…..”

His hands give one more squeeze to your hips. He rolls his hips against yours just a few more times to milk all of his seed out into your throbbing cunt. Then he pulls out, leaving you feeling emptier than you thought possible. He lets out another shaky sigh and leans down. He watches his cum start to drip out of you. He slides his finger up your slit, gathering the cum and shoves it back into you.

Upon closer inspection, he notices small streaks of red along with the cum. He tilts his head.

“Were you a virgin….?”

His question catches you a bit off guard and drags you back to reality. “Huh? H-how’d you-?”

“Shit. Id have bet way more if i knew…. Sex is one thing but your virginity? Id’ve at least bet something important. More important than that whining brats debt.”

He stands up fully, stretches a bit and drops over you. Pinning you against him in a death grip. He nuzzles his face into your neck, taking in the smell of you. “Felt so fuckin good though…. I wanna keep you all to myself from now on…..”

you try to squirm a bit in embarrassment, but your body is too exhausted from being completely fucked out. “….yeah whatever.” You grumble a bit, still a bit embarrassed. “Can’t you at least clean up?”

Taiga groans but releases you. He gets up and cleans up for you. He lays on top of you again, this time keeping just enough distance to look at your face. It’s hard to read his expression, so you just stare back.

“You’re mine now, okay?”

You blink a few times. “….okay.”

“Good, also you’re staying here tonight, I’m not done with you yet.” He gives you another kiss.

BONUS:

Romeo, now done with his debt collecting for the day and looking for the captain, ready to give that BTH another good scolding about how he should be treating the casino patrons. He storms into Taiga’s room, only to be greeted by the sight of that BTH fucking right into the BB(basic bitch) who’s face is pressed into the mattress so much she didn’t even notice his entry. Taiga makes eye contact though, not even bothering to stop what he’s doing. He grins and opens his mouth like he’s about to say something. Romeo doesn’t give him the chance. His face twists in disgust and he immediately backs out of the room, shutting the door behind himself.

“Was he in there Fico?” One of his goons questions.

“Nope. He must be busy…..” Romeo clears his throat and walks away. He’s gonna try to forget he saw that.

#tokyo debunker #tokyo debunkers #taiga hoshibami #tokyo debunkers smut #tokyo debunkers x reader #taiga hoshibami x reader #taiga Hoshibami smut #taiga x reader #taiga x reader smut #romeo lucci #poor Romeo was not expecting that

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