Debt Collected
With Hilary Duff
Written by TheLW
Codes: MF, Blowjob
Disclaimer: This FICTIONAL story was written for entertainment purposes only.
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I couldn’t believe it had come to this.
Three weeks of chasing ghosts, and here I was, standing in the marble foyer of Hilary Duff’s sprawling Los Angeles mansion with Luca and Nate flanking me like a pack of wolves. The two enforcers were built like linebackers, Luca with his shaved head and neck tattoos, Nate with the perpetual scowl and the knuckles that looked like they’d been broken more than once. They’d been with me since the debt started piling up. Five hundred grand. That was what her husband owed me from the underground poker tables he’d been playing in for months. He’d borrowed, lost, borrowed more, and then vanished. Until tonight.
The front door had been unlocked, arrogant or stupid, I still wasn’t sure. We’d let ourselves in, and now we were face-to-face with them in the living room. Hilary stood just behind her husband, arms crossed tight over a thin white tank top that left nothing to the imagination. She was barefoot in yoga pants, hair pulled back in a messy ponytail, looking every bit the confused suburban mom who’d been interrupted mid-Netflix binge. Her husband, Matt, had gone pale the second he saw us. He knew exactly why we were here.
“What the hell is this?” Hilary demanded, her voice sharp but cracking at the edges. She glanced at Matt, then back at me. “Who are you people? Matt, what’s going on?”
I stepped forward, hands loose at my sides. “Five hundred thousand dollars, Matt. That’s what’s going on. You remember the games? The markers you signed? You’ve been dodging my calls for weeks. Thought maybe a personal visit would jog your memory.”
Matt’s mouth opened, closed. He looked like he might puke. “I... I don’t have it. Not right now. I swear, I was going to...”
“Bullshit,” Luca growled from behind me. Nate just cracked his knuckles, the sound loud in the quiet room.
Hilary’s eyes widened. She turned on her husband like he’d slapped her. “Matt? Gambling? You told me you were done with that crap after the last time. Five hundred... what? Are you serious right now?” Her voice climbed, shock turning to fury. “We have kids, Matt. A life. What the fuck did you do?”
He tried to reach for her, but she stepped back. I almost felt bad for the guy, almost. But business was business.
“Look,” I said, keeping my tone even, “we can do this easy or we can do it the other way. You got the cash tonight? Or we start taking things. Cars, watches, whatever’s not nailed down. Or maybe we have a longer conversation out back.”
Hilary’s face went through about five emotions in three seconds, confusion, disbelief, then something harder, like she was calculating. She disappeared down the hall for a minute and came back with a thick envelope and a small velvet pouch. “Here. Take this. It’s twenty grand in cash and some gold I’ve had since my Disney days, necklaces, a bracelet, whatever. It’s real. It’ll hold you over until we figure something out, right? Please.”
I took the envelope, flipped it open, then laughed right in her face. A short, ugly bark that made Luca and Nate smirk. “Hold me over? Lady, this is pocket change. Your husband bet half a million on cards he couldn’t cover. You think a couple necklaces from the Lizzie McGuire era are gonna square us?”
Her cheeks flushed red. “That's all I have on hand. The house is in both our names, the accounts...”
“Save it,” I cut her off. “We’re past cash.”
The room went quiet except for the low hum of the air conditioning. Hilary stared at me, then at Matt, who was sweating bullets. She swallowed hard. When she spoke again her voice was lower, almost embarrassed. “Then... what? What do you want?”
I let the silence stretch just long enough. “You.”
Her eyes snapped to mine. “Excuse me?”
“You heard me. Sexual favors. You blow me, right here, right now, and we call the debt even. No more chasing, no broken legs, no headlines. Clean slate.”
Matt made a choked sound. “Hilary, no...”
“Shut up, Matt,” she snapped, but her eyes stayed on me. She looked shocked, yeah, but there was something else lingering there, calculation, maybe even a spark of defiance. She knew the hole he’d dug. She knew what five hundred grand meant if we didn’t walk away happy.
Luca chuckled. “The boss is being generous. Most guys would just take the house.”
Hilary’s jaw tightened. She looked at her husband one more time, then back at me. “Fine. But only... only that. A blowjob. Nothing else. And you leave after.”
I smiled. “Deal. But he watches. Whole time. Luca, Nate... make sure he doesn’t blink.”
Matt started to protest, voice cracking. “You can’t... Hilary, please...”
Nate grabbed him by the shoulders and shoved him down into the big leather armchair across from the couch. Luca clamped a heavy hand on his chest, pinning him there. “Sit tight, gambler. You’re gonna enjoy the show. Or not. Either way, you’re watching what your wife does to save your sorry ass.”
Hilary’s hands were shaking as she stepped closer to me. She sank to her knees on the thick rug in front of the couch. I sat down, legs spread, and unzipped. Her eyes looked up to mine, still shocked, still processing, but she wrapped her fingers around me anyway. Warm. Soft. Then she leaned in.
The first lick was tentative. The second wasn’t. By the third she’d opened her mouth and taken me in, and holy shit. She went to work like she’d been waiting for an excuse to let loose. Wet, sloppy sounds filled the room as she bobbed deep, tongue swirling, cheeks hollowing. No hesitation after the first thirty seconds. She was into it, eyes half-lidded, little hums vibrating around me, spit dripping down her chin onto her tank top. Professional level. One of the best I’d ever had, hands down. She took me all the way to the back of her throat, held it, then pulled off with a gasp and a string of saliva before diving back down like she was starving for it.
“Fuck, Hilary,” I groaned, threading my fingers through her ponytail. “You’re a natural.”
She didn’t look away, as her eyes locked on mine even as she worked her lips over every inch of me. It was almost theatrical, like she was making damn sure I knew what she could do, like she wanted her husband to see, to remember it forever. Every time I thrust my hips a little higher, she countered, hand twisting at the base, tongue tracing the thick vein. She moaned around me.
Behind her, Matt made a sound. I spared him a glance but the truth was, I felt zero sympathy. Hilary, on the other hand, deserved credit, she was in charge, no question about it. She owned this moment and made sure I knew it.
Hilary pulled off, breath ragged, and spat on the head before stroking it with both hands, squeezing hard, then licking up and down the shaft like she was licking ice cream from a cone. She kept her pace steady, perfect rhythm, using the soft pads of her fingers to caress the sensitive skin beneath the head before sinking me deep again.
She slurped with a noisy gusto now, hair wild around her face as she held eye contact, daring me to look away, like she was daring her husband too. Wet heat, lips soft but strong, each suction making my vision slightly blur. I couldn’t help the way my hips jerked, the way I groaned and tightened my hand in her ponytail, and she only redoubled her pace, going faster, deeper until I felt the head graze the back of her throat and she swallowed smoothly, never breaking, never pausing. Her nose pressed against my stomach, eyes watering but proud.
I rocked my hips forward. She met me, unflinching, never breaking eye contact, and I could see her jaw working as she took every inch. The only thing close to a flinch was a faint squeeze of her nails into my thigh.
A glance at Matt showed him staring, body tensed like a man in an electric chair. He was red-faced and trembling, mouth open as though he wanted to say something but couldn’t manage basic breathing, let alone a protest.
From the chair, Matt was whimpering. “Baby... don’t... please...”
Luca leaned in close to his ear. “Look at her go, man. Your wife’s got skills. Bet she never sucked you like that.”
Nate laughed. “Probably because you couldn’t afford to make her this motivated.”
She didn’t stop. If anything, their taunts made her work harder, faster, sloppier, louder. My cock was glistening, her lips swollen, mascara starting to run just a little at the corners. I was rock hard and throbbing, balls tightening, and that’s when the switch flipped in my head.
I pulled her off by the hair. She looked up at me, lips shiny, breathing hard, pupils blown wide. “Wait,” I said. “New deal. I fuck you right now, right here on this couch, and the whole half-million disappears. Forever.”
Hilary blinked once. Then she glanced over at Matt. He was shaking his head, tears in his eyes. “Hilary, no... please, a blowjob is one thing, but this...”
She cut him off, voice cold. “This is your fault, Matt. Your stupid fucking gambling. You want us to lose everything? The house? The kids’ future? Because that’s what’s next if they walk out of here pissed.” She turned back to me, something fierce in her eyes. “From behind. On the couch. No eye contact, no kissing, no bullshit romance. Just... get it done. Then you leave and we never talk about this again.”
I stood up, cock still out and slick from her mouth. “Deal.”
Hilary stood too, yanked her yoga pants and panties down in one motion, and knelt on the couch cushions, ass up, elbows braced on the backrest. God, she looked good, tight little body, smooth skin, that famous ass presented like an offering. I stepped behind her, lined up, and pushed in slowly.
She was tighter than I expected. Way tighter. A soft, surprised gasp escaped her as I sank deep. “Oh... fuck,” she whispered. I gripped her hips and started thrusting, steady at first, then harder. She was wet from the blowjob, but the stretch still made her clench around me like a vice. Every thrust dragged a little moan out of her, then a bigger one.
Matt was begging now. “Hilary... baby, please stop. This is crossing the line. I’m sorry, I’ll pay them, I’ll...”
“Shut the fuck up, Matt,” she snapped over her shoulder, voice breathy but sharp. “You don’t get a say. Not after what you did.”
I picked up the pace, slamming into her. The wet slap of skin filled the room. She was pushing back against me now, meeting every thrust, her ponytail bouncing. Luca and Nate kept up the commentary, low and mean, telling Matt exactly how good his wife probably felt, how she was dripping down my balls, how she was clearly loving it more than she wanted to admit.
Then the rules went out the window.
I leaned over her back, reached around, and cupped one of her tits through her tank top. She didn’t stop me. Instead she turned her head and our eyes met for the first time since I’d entered her. Something electric passed between us. I kissed her, hard, open-mouthed, tongues sliding. She moaned into it, loud and needy, the sound rushing through me. The sex went from transactional to filthy and intimate in a heartbeat. I straightened up, pulled out, spun her around, and pushed her onto her back on the couch. She spread her legs without hesitation, eyes locked on mine now, cheeks flushed pink.
I climbed between her thighs and sank back in missionary, deep and slow. Her arms wrapped around my neck. We were making out like teenagers, messy, desperate kisses, her nails digging into my shoulders. She was moaning loud enough that I knew the neighbors could probably hear if they tried. “Yes... oh god, yes... right there,” she gasped between kisses, legs locked around my waist. Her pussy fluttered around me, tighter than ever, squeezing like she was about to come.
“You like that?” I grunted between thrusts, voice barely above a growl.
She met my stare and, without looking away, spat back, “Harder.”
I fucked her furiously now, determined to make it unforgettable. The humiliation was part of the transaction, sure, but so was the power. Hilary’s face twisted with every thrust, half-pained, half-ecstatic. The veins popped on Matt’s forehead as he watched, but the only sounds he made now were little, broken sobs as his wife’s hips bucked up against me, greedy for every inch.
Hilary’s hands raked down my back, hard, leaving red lines that stung. I slammed into her, my pelvis smacking against her ass, the wet squelch of her pussy growing louder as she got wetter. She fucked me back, even locked eyes with me, and I could see she wasn’t just going through the motions. There was a hunger there, anger, too, probably, but mostly a need to prove herself, to teach her husband a lesson neither of them would forget.
I gave her what she wanted. Balls-deep, jackhammer pace. The couch was creaking under us, the cushions sliding out from under Hilary’s back until she was barely hanging on, arms locked tight around me now.
Matt was full on sobbing now, in the chair, but Luca’s hand stayed firm on his chest. “Eyes open, asshole. Watch your wife take it like a champ.”
I fucked her harder, grinding against her sex hole with every thrust. Hilary’s head fell back, mouth open, loud cries spilling out. “I’m gonna... fuck, I’m coming...” Her whole body seized up, walls clamping down on me in rhythmic pulses. That was all it took. I buried myself to the hilt and came hard, pumping rope after rope deep inside her, groaning her name against her neck. She held me there, kissing me through it, legs trembling.
For a moment, we stayed like that, breathing hard. hen I pulled out slowly, watching my cum leak out of her. Hilary sat up, flushed and dazed, and looked over at her husband. Her expression wasn’t apologetic. It was almost... satisfied.
Matt looked destroyed.
I zipped up, nodded to Luca and Nate. They let him go. He didn’t move.
“Debt’s gone,” I told them both. “We’re square. Try not to gamble again, Matt. Next time I won’t be this nice.”
Hilary stood up on shaky legs, and pulled her pants back on. She didn’t look at her husband. She looked at me instead, a small, secret smile tugging at the corner of her lips.
As we walked out the front door, I heard her say behind us, “Don’t say a fucking word, Matt. Not one word.”
The night air felt cool on my skin. Luca clapped me on the back. Nate just grinned. I didn’t say anything. I just smiled the whole drive home, replaying every second, her shocked face, her hungry mouth, the way she’d come apart under me while her husband watched.
Best five hundred grand I never collected.
The End