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mostlysignssomeportents · 1 year ago

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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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gigabyte-flare · 4 months ago

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At Your Service

[A Gigabyte Flare One Shot]

Summary: You are the daughter of a wealthy family in New Eridu. Lycaon has been your loyal butler since you first moved out from your childhood home. You're about to find out just how far Lycaon is going to go to prove his devotion to you.

Word Count: 4.8k

Pairing: Von Lycaon x fem!reader (afab)

Disclaimer: This story is a work of fiction. Actions depicted in this story are not condoned in real life. You are responsible for your own content consumption. If any of the following warnings trigger you, please read at your own risk. Minors do not interact, this story is 18+ only.

Warnings: Mild Yandere, implied r@cisim (not by reader or Lycaon), domestic violence (not by Lycaon), attempted SA (not by Lycaon), graphic violence, dubcon, oral (f receiving), pet names, playful biting, unprotected p in v, knotting, breeding kink, creampie

A/N: Just when I thought Jiyan from Wuthering Waves had me in a chokehold (he still does), Hoyo literally said "hold my beer." Does being down bad for Von Lycaon make me a furry? Probably. Do I care? Nope. He's hot and I can't get enough of him.

"As you can see, we had record profits this month. The campaign with the promoters definitely made a huge difference in our profit margin--"

You can't help but let out a loud sigh, resting the side of your face in the palm of you hand as your elbow keeps your head up as you stare into the webcam at your office computer. This is your last meeting of the day, heck, of the week. Unfortunately with the finance department of your family's business: a publishing company for video games and video tapes. Given how popular consumable media is in New Eridu, the business had taken off, you and your family now set for life. This also meant that your parents expected you to take over once they retire; you were still struggling to come to terms with that fact.

"-- that concludes this week's financial overview, I hope everyone has a good weekend!"

You waste no time turning off your webcam and shutting down your work computer. You couldn't get out of the office building fast enough. Getting into your car, you make the drive home to just beyond Sixth Street.

You live in one of the larger homes on the outskirts of New Eridu thanks to the success of your family's company. You park your car, getting out and approaching your front door. Before you even have a chance to dig your keys out of your pocket to unlock the door, your front door opens and you are greeted by your tall, imposing wolf Thiren butler: Von Lycaon of Victoria Housekeeping.

"Welcome home, my lady. I already have dinner started. I trust your day went well?"

"Hey Lycaon… it was alright," you reply as you step through the doorway, Lycaon stepping aside to let you through, "what's for dinner?"

You feel his deft clawed fingers help you take off your jacket before walking it over to the entryway closet to hang it up, his steel mechanical legs echoing in the entryway as he walks.

He answers you while hanging up your jacket, "roasted chicken with mashed potatoes and broccoli, my liege."

You chuckle, "you've been here for years, yet I still cannot get used to you addressing me like someone who's important."

Lycaon turns slightly just as he was about to shut the closet door, his red eye scrutinizing you, "but you are important, my lady."

You feel your cheeks tingle at his response, but quickly shake your head to compose yourself, "Do you… need any help with dinner?"

"I do not require any help. Not that I would trouble you with such trivial matters," he replies, walking away from the closet to head back into the kitchen.

"If you insist…" you hesitate; even after all this time, you're not accustom to having someone else doing all the house work, "I'll be in the living room watching TV. Come get me when dinner is ready, alright?"

Turning to you once more, Lycaon gives you a nod and a subtle smirk before walking into the kitchen. You don't realize your eyes are lingering on him as he walks away; watching the intricate parts on his prosthetic legs move as he walks, the way his right arm his bent behind him, his fist clenched, the way his large bushy tail wags gently as he--

You blink a few times, once again shaking your head and bringing your hand to your forehead.

Fucking hell, girl, get a hold of yourself. He's your freaking butler.

You turn and walk into the living room, collapsing onto the couch. Leaning forward, you grab the remote off of the coffee table and turn the TV on, mindlessly scrolling through the channels before settling on some talk show. You don't focus on the show, instead, you pull out your phone and check your notifications. You notice you have a Knock Knock message from someone, so you open the notification bubble to check it.

"Hey! It's Steve, are we still on for dinner tomorrow?"

"Oh… that's right… I'm supposed to have dinner with that guy Mom hooked me up with…" you say to yourself, rolling your eyes before you type out your response.

"Yeah. Did you still want to pick me up from my house?"

You see the typing ellipses pop up a few times before his response comes through, "if you're comfortable with that, yeah!"

Normally, you would never let some strange man pick you up from your house to go on some blind date, but you know for a fact Lycaon wouldn't let anything happen to you; those mechanical prosthetic legs weren't just for show. You've witnessed first hand the damage they can do a handful of times in the years you've known him.

"My lady," you hear Lycaon call to you from the threshold of the living room, startling you from your thoughts, "my apologies, I didn't mean to scare you."

"No, no… it's fine. I'm guessing dinner is ready?" you reply, turning around to face him while still seated on the couch.

"Indeed. Would you like to eat in the dining room or here, my lady?" he asks as he straightens his posture.

"We can eat in here. Come watch TV with me Lycaon, I insist." you reply, waving him into the living room.

"As you wish, my lady, I shall plate dinner and bring it in here, one moment."

You watch as he gracefully turns around, walking out, the metallic rattle of his legs echoing as he returns to the kitchen. He returns promptly with two plates of food and utensils. He hands you your plate first before taking his own and sitting in a nearby chair. He crosses his legs, his large tail then settling onto his lap as be began to eat his meal. You waste no time digging in; you absolutely loved Lycaon's cooking and tonight was no exception. You're so focused on your meal that you almost miss your phone vibrating in your pocket. You pull it out, seeing another Knock Knock notification.

"I take it you don't want me to pick you up at your house…?"

"Oh shit…" you curse to yourself, having forgotten to respond to Steve.

You quickly text him to that it's fine and send him your address before gently setting your phone onto the coffee table.

"What was that all about, my lady?" Lycaon asks, as perceptive as ever, even while eating dinner.

"Oh nothing," you say, tucking your legs up onto the couch as you continue to eat dinner, "I'm just making plans with someone to go to dinner tomorrow night. I forgot to text him back."

"I see, should I plan to make dinner just for myself then?"

"No, set aside a plate for me… just incase the plan falls through…"

"As you wish, my lady."

The two of you continue to eat dinner in silence, your gaze unconsciously wandering over to him, lingering on his mechanical prosthetics before moving to the mask he wears on his face, which covers one of his crimson eyes. You've always wondered what had happened to him, but Lycaon never talks about himself and you didn't want to pry into something that is probably really painful for him.

Sensing your gaze on him, he clears his throat before speaking, "Is everything alright, my lady?"

"Oh--! Sorry, I was just zoning out…" you quickly retort before returning your attention to your meal.

Once the two of you are finished with your meal, you switch channels and watch the latest episode of Starlight Knights while Lycaon gets absorbed in a book. Exhaustion sinks its teeth into you suddenly and you fall asleep on the couch. Noticing this, Lycaon sets his book aside, standing up and scooping you into his arms before carefully carrying you to bed upstairs, his tail wagging gently the whole way there.

The next morning, you are pulled from your sleep by the smell of bacon. Your eyes slowly open and you stretch your arms out over your head, letting out a loud yawn as you do so. You glance over at the clock; it's nearly 10:00 in the morning. You're shocked Lycaon had let you sleep in this long. Upon setting your arms down in front of you, you come into contact with a breakfast tray. The food on it is still hot, Lycaon must have just brought it in. He made your favorite: waffles with fresh berries, syrup and bacon. You can't help but smile as you grab the nearby fork and dig in.

As you're eating, you suddenly realize you don't recall getting into bed last night, you were still wearing the outfit you had on yesterday. Lycaon must have carried you to bed… again. That's been happening more and more frequently, you feel terrible that he felt obligated to carry you to bed. Still, you feel a warmth in your chest thinking about him taking care of you; you guess that's only natural given he's been your butler for so long.

Your parents had insisted on hiring someone from Victoria Housekeeping when you decided to move out after buying a house, mainly for protection. Being the daughter of a prominent publishing giant came with its risks as you soon learned. As unnecessary as you found it at first, you were very grateful for Lycaon's protection and companionship. Even so, you were hesitant to admit you've caught feelings for the enigmatic butler; could anyone blame you though? Von Lycaon was legendary in both his services and his physical prowess; hence why your family hired him specifically. Only the best for their daughter.

Despite your complicated feelings for Lycaon, your mother insisted on playing match maker. This latest man she picked out is the first one you've entertained going on a date with, mainly to shut your mother up. You honestly had no desire to date anyone; you have everything you could possibly need right now, even with how you feel about your butler.

The rest of the day is uneventful and before you know it, the sun is setting, casting orange rays into your windows. Lycaon is in the kitchen doing up dishes when he hears a loud knock on the door. He stops, his gaze shifting to the front door as whoever is out there continues to knock. Letting out a low growl, he takes his hands out of the dishwater, drying them off before putting his fingerless gloves back on. Tucking one of his arms behind him, he approaches the front door, opening it. He is greeted by short human male, his brown hair greasy and slicked back with a red goatee that is haphazardly trimmed and rectangle glasses. The man's eyes widen upon seeing Lycaon, who is glaring down at him with a furrowed brow. The man tries to speak, but finds himself at a loss for words.

"What business do you have with my Master?" Lycaon asks, his tone dark, his threatening gaze unwavering.

"I… uh… I'm here to pick up… uh…" the male stammers, checking something on his phone.

"It's fine, Lycaon! I'm expecting him, his name is Steve!" Lycaon hears you call from within the house.

Upon hearing you come down the stairs from your bedroom, Lycaon turns to look at you as you approach the front door. You suddenly stop in your tracks upon seeing the man at the front door, your eyes wide.

He looks nothing like the photos your mother sent of him.

Sensing your unease, Lycaon goes to you, giving you a reassuring pat on your shoulder as he shifts to stand behind you, standing tall and puffing his pectoral muscles outward; almost as if he's asserting his dominance. You banish the thought; that'd be ridiculous, he's your butler for crying out loud!

"Is this the person you mentioned you were going to dinner with, my lady?" Lycaon asks, his crimson gaze still locked on Steve.

You nod, swallowing hard as you struggle to get your anxiety under control. Your mother probably sent an outdated picture. Everything will be fine.

It wasn't fine. Steve took you to some dimly lit dive in Lumina Square; you didn't even think a place this dingy could exist. You are not a vain person, but this place is absolutely abhorrent. Steve was rambling on and on about god knows what, you stopped listening awhile ago; wishing desperately to be home where a beautifully cooked meal would be waiting for you. You're glad that you had Lycaon make a plate for you.

"-- so, what's with the Thiren living with you?" Steve asks, ripping you from your thoughts.

Realizing he's asking about Lycaon, you sit up straight, setting your hands onto the table, "he's my butler, why?"

Steve scoffs, giving you a sly smirk, "he's awfully jacked to be just a butler. I've never seen a Thiren built like that."

"He is able to protect me if needed, if that's what you're getting at," you reply, not even bothering to hide the annoyance in your voice.

"You won't need him anymore," Steve says, that stupid smirk still on his face as he leans forward, resting his chin on one of his hands as he rests his elbow on the table.

You lean back, crossing your arms, "and why is that?"

"Because you have me now."

The silence that follows after Steve's statement could have been cut with a knife. You discreetly pull out your phone, opening the Knock Knock app and send a single message to Lycaon.

"Lumina Square please come."

"I don't recall telling you that we're dating," you finally break the silence as you look up at Steve, your heart pounding in your chest as your anxiety heightens.

"You didn't have to, you let me take you to dinner. It's clear you're now my girlfriend," Steve says, gazing at you like you're a slab of meat, "and I want you to get rid of that butler. I don't need some disgusting Thiren third wheeling us."

He's one of those people. Fucking great.

"Lycaon isn't going anywhere, thank you very much," you reply as you suddenly stand up from the table, making your way to the entrance of the restaurant, "this date is over."

Steve stands up, rushing over to you and grabbing you by the wrist, pulling you to him, "you're not going anywhere, sweetheart!"

The small handful of people in the restaurant just stare at the two of you as you struggle against Steve's grasp; no one makes a move to help you.

"Let go of me you greasy asshole!" you yell, spitting in his face.

Steve scowls, wiping your spit from his face before slapping you across the face. You cry out when his hand makes contact, tears stinging the corners of your eyes. One of Steve's hands grasps your back side, squeezing so hard that you know for certain it's going to bruise later. The other hand grabs your chin, forcing your head so it's facing his and he tries to kiss you.

The front door of the restaurant suddenly gets kicked in and you feel a familiar chill in the air. You don't need to look to know that your loyal butler has arrived.

"Get your filthy hands off my Master," Lycaon growls, his heavy steps quickly advancing.

Steve sucks in a breath, his eyes widening as he lets go of you, shoving you away. You can see that he's trembling, frozen in place. You notice a wet spot on his pants, right between his legs.

Oh my god… he's pissed himself.

You stifle a laugh at this realization as you watch Lycaon approach him. The individual parts on his mechanical legs popping out and coating in ice, cooling the air around him. You pick up the chatter around you.

"Isn't that the owner of Victoria Housekeeping?!"

"Yeah, that's Von Lycaon!"

"I wouldn't want to be that guy right now…"

Steve stumbles backwards as Lycaon stalks towards him, his posture confident and his right arm tucked behind him.

"Dude I'm sorry! I was desperate ok?! It won't happen again!"

"You're right," Lycaon growls, his eye shifting up at Steve, his gaze like a crimson dagger, "it won't."

Within a blink of an eye, Lycaon rushes forward, punching him in the gut. Steve hunches over, a splatter of blood coming out of his mouth. Lycaon brings up one of his legs, kneeing Steve in the face before bringing his other leg around to give him a roundhouse kick. You cry out along with the other patrons as Steve is hurled into the back of the restaurant, crashing against the wall so hard, it leaves a large indent in the wall where Steve's body made contact before crashing to the floor. For a moment, Steve doesn't move and you start to fear that Lycaon might have killed him; that is until Steve starts groaning, staggering while standing up.

"You… You hit like a bitch…" Steve groans, wiping the blood coming from his mouth.

You spot a subtle smirk form on Lycaon's lips as he walks towards Steve, ice once again gathering on his mechanical legs, several different parts starting to glow. He stands in front of Steve once more, who is now laughing nervously.

"Say that again, cretin. To my face."

Not so tough now that Lycaon is inches in front of him, Steve remains silent, his legs wobbling as he fights to keep himself standing up. You watch Steve swallow hard, seemingly building up his courage.

"You hit like a bi--"

If you had blinked, you would have missed Lycaon kicking straight upwards, causing Steve's head to violently snap backwards, an audible crack reverberating in the restaurant. Steve drops to the floor like a sack of potatoes. Lycaon takes a moment to brush himself off before turning around and walking up to you.

"Don't worry, my lady, he's not dead," he says, as if reading your mind as he gently takes your arm to lead you outside, "let's get you home."

The first thing Lycaon had done once the two of you had gotten home was start the shower for you. You have no idea how much time has passed since you stepped inside, letting the hot water fall on you as you silently cry. You should have listened to your gut when you realized Steve looked nothing like the photo your mother had sent you. That is the last time you let your mother play match maker. You felt awful that Lycaon had to basically come rescue you. There's no doubt your father is going to catch wind about what happened, especially considering the amount of damage Lycaon had caused in the restaurant.

You'll worry about that later. Right now, all you wanted to do was get cleaned up and go to sleep. You turn the shower off, pushing the shower curtain aside to step out, but you stop yourself. You find one of your bathrobes folded neatly on the counter next to the sink, but that's not all. A single red rose is placed on top of the folded robe. You carefully step out of the shower, approach the bathroom counter, gingerly pick up the rose and twirl it in your fingers slowly; the rose having been meticulously de-thorned.

Lycaon…?

Another spot of red in the corner of your eye catches your attention. Turning to look, you see that there is a trail of red rose petals on the floor that leads out of the bathroom. You take the robe and put it on, wrapping it around your nude body and tying it before you follow the trail of rose petals. Upon opening the bathroom door, you are once again stunned, too frozen in shock to move. The rose petals lead straight to your bed, the plush white comforter not only covered in petals, but with whole roses like the one you found in the bathroom; there's at least twenty of them, if not more.

You hesitantly walk towards your bed, your heart pounding in your chest. Did Lycaon do this? He must have, who else would have, you're the only two people in the house. But why? What does this mean? Your breaths are heavy, causing your chest to heave as you look down at your bed. You place your hand over your heart in an attempt to calm yourself. Surely, he's just trying to cheer you up after your horrific date. That must be it.

"My lady."

You suck in a breath at the sound of Lycaon's voice, slowly turning around to face him. Standing in the doorway, you immediately notice he's not wearing his signature vest, but just the white button up shirt he typically wears beneath the vest, the sleeves still rolled up to his elbows along with his black pants. The shirt is unbuttoned halfway, a tuft of fur spilling from his shirt. You feel your mouth hang slightly agape as your eyes run up and down Lycaon's form.

"If I had known you were going on a date with that… filth, I wouldn't have let you go."

He slowly approaches you, the sultry look in his eye erasing any doubts of his intentions; the sound of his mechanical legs walking across the floor echoing in your head as he approaches. You unconsciously take a step back away from him, the back of your legs hitting the foot of the bed.

"My liege," he whispers, the backs of his fingers gently caressing the side of your face, "there is no need to be alarmed. Unlike that disgusting drivel, I would never hurt you."

His fingers gently dance across your jaw line, moving downwards until he reaches your throat. You swallow hard as his fingers gingerly wrap around your neck, "that is unless… you want me to hurt you."

You watch his eye darken, a mischievous smirk forming on his lips as his fingers delicately squeeze the pulse points on your neck.

"Lycaon we… we shouldn't do this. If my father finds out--"

"To hell with your father," he growls, stepping closer to you, "I've seen how you look at me, my lady; the way your eyes linger on me when you think I'm not looking."

His hand moves from your throat, sliding down to rest onto your chest, right over your racing heart, "I know you want this as much as I do."

Your head is spinning, being pushed and pulled between all your complicated feelings. You do want this. As much as you want this, he's your butler under your family's employ, you know it's wrong. You hesitantly shake your head.

Lycaon lets out a low chuckle, leaning down to whisper in your ear, "I can smell your arousal, my lady. You should know more than anyone that you can't fool me."

Wrapping one of his arms around your waist, he tenderly coaxes you to lay back onto the bed, his muzzle buried into the crook of your neck, inhaling your scent as he cages you with his body. His hands grasp onto your thighs, gingerly spreading your legs apart so he can settle himself between them. You can feel him grazing his teeth along the side of your neck, to your jawline until his lips linger just in front of yours.

With a deep breath, you finally give in to your desires, kissing him deeply as your hands run up his chest. Your fingers find the buttons on his shirt and begin to unbutton them, his shirt falling open once you undo the last button. As your hands massage his chest, you can feel the toned muscle under his soft fur. Letting out a groan, Lycaon deepens your kiss, slipping his tongue into your mouth to dance with yours.

You feel like the kiss lasts an eternity and let out a soft whimper when he breaks the kiss. He lets out a low chuckle as he leans down, kissing your collar bone as he unties your robe, pushing off you. Once your body is exposed, he trails kisses between your breasts, over your stomach until you can feel his warm breath over your folds.

"From this moment on, I will be the only man touching you," he states, his gaze locked on yours has he runs his tongue through your folds before continuing, "if a man so much as breathes on you, I will snap him in half like a twig."

Between his ministrations on your cunt and his words, you're completely overwhelmed by pleasure, your eyes rolling into the back of your head as you lay your head against the mattress; your pussy walls fluttering around nothing. You hear another low chuckle from Lycaon.

"Oh? Do you like that, my liege? Do you like it when I protect you?" he asks with a playful tone.

He doesn't allow you to answer, however, because he immediately seals his lips around your throbbing clit, gingerly taking it between his teeth and caressing it with his tongue, reveling in the sound of the loud moans coming from you as he does so. You dig your heels into the bed as your hands grip the sheets. Your legs trembling, a strained cry comes out of you as you finally come undone on his tongue. Lycaon eagerly laps up your release.

"My lady, you're as succulent as the sweetest fruit," he says softly, licking your release from his lips as he begins to climb back on top of you.

He hooks both of his arms under your thighs, draping your legs onto his shoulders as he looms above you. Staring down at you longingly, he begins undoing the belt on his pants with one hand. Your eyes widen when he pulls out his member. It's massive, easily the biggest you've ever laid eyes on. You can't help but also notice the large knot at the base, causing your heart to flutter.

Is he going to fit?!

Leaning back on his haunches, he spits on your pussy, using his fingers to massage his saliva into your folds before leaning back on top of you. You can feel his cock prod at your entrance, causing your heart to race in anxiety and anticipation.

"Tell me if it's too much, ok?" he whispers as he moves his hips forward.

You nod, sucking in a breath as you feel him penetrate you, his girth filling you up perfectly. As he begins to thrust, you watch his tail begin to wag back and forth, teasing a smile from you. His lips once again lock with yours, kissing you deeply as he fucks you with steady and even thrusts. Moaning softly into his kiss, you run your hands up his chest, then up the sides of his neck before settling on each side of his face, your hips moving in time with his.

He feels absolutely heavenly inside you, your walls squeezing his cock as it bullies its way deeper and deeper. He abruptly stops and pulls out, flipping you onto your stomach before lining his member back up with your throbbing cunt.

"I'm going to breed this beautiful pussy." he says, sheathing himself back inside you up to his knot, "fill you up with all my pups. Would you like that, my liege?"

He begins to thrust again, more aggressively this time. Each thrust forcing his knot into you, stretching you. You nod weakly as more moans spill out of you and before long, his knot is finally fully inside, creating a seal. It's a little painful at first, but that is quickly replaced by the intense pleasure coursing through your body as he pounds into you. Letting out a growl, he bites into your shoulder as his thrusts become sporadic.

You cry out is name, tears stinging the corners of your eyes as you claw the sheets with your fingers, your second orgasm barreling towards you. With one final thrust, he pushes himself as deep inside you as he can possibly go without hurting you, shooting his load straight into your womb, painting your insides white with his seed. Your whole body is trembling from your release, your walls squeezing him as his cock continues to throb inside you.

You feel Lycaon's tongue lap where he had bit into your shoulder before nuzzling your cheek with his, his powerful arms wrapping around you, "are you alight, my lady?"

You turn to him, kissing him on the cheek unable to get the huge smile off your face, "more than alight, Lycaon."

"Good. That's what I like to hear."

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