Cheryl slammed on the brakes when she looked up from her phone and saw the taillights looming ahead.

Too late.

Shit. Shit. Shit, she thought as she heard the sound of plastic shattering. A previous fender bender had jacked up her insurance rates to a point where it was a struggle to keep up. Another would leave her in dire straits.

There was just enough light from the street lamps to tell that the other driver was a younger man. As quickly as she realized it, she popped open two buttons on her blouse. It would hardly be the first time that her charms and a little flirting had turned a situation to her advantage.

The door opened on the other car, so Cheryl quickly did the same. When the man climbed out, she ticked off another point in her favor. His eyes homed in on her chest.

“I am so sorry,” she said as she approached, wearing a vapid smile. She lifted a hand to her chest as she said it, drawing attention to her exposed cleavage. His eyes widened, so she assumed he was falling under her spell. A quick glance revealed only a broken taillight on his vehicle, which was another point in her favor. “Are you okay?”

“I guess,” the young man said, and shrugged. He then reached into his back pocket for his wallet. “You do have insurance, don’t you?”

Cheryl said, “Of course. It’s such a little fender bender, though. Maybe we could just take care of it without all the paperwork and hassle.”

He broke out into a smile that struck her as a little smug. “Maybe we can. I was pulling into my place here when you rear-ended me. Let’s get out of the street. Pull in next to me.”

Caught off-guard by him taking charge, she nodded and said, “Okay.”

He climbed back in his car, and she did the same. As instructed, she pulled in next to him, and shut off her car. He quickly exited his vehicle, and walked in front of hers, waving for her to follow. Cheryl hesitated for a moment, feeling that things were spiraling out of control, but swallowed hard and got out of her car.

The young man unlocked his door, and waved for her to follow him inside. She said, “Why do we need to go inside? I can-”

He cut her off with a raised hand. “Look, lady. It’s obvious you don’t want this on your record, for whatever reason. Unless you want to show me those tits you’re trying so hard to draw attention to out here, you’d better come inside.”

That was that. She’d just been offered a choice there was no escaping from. Either she took another point on her license and an insurance bill she couldn’t afford, or she paid for her mistake with her body. He wasn’t beating around the bush.

Though she was feeling shocked, indignant, and more than a little frightened, the thought popped into her head that he wasn’t bad looking. In fact, he was rather handsome.

“What’s it going to be, lady?” he asked while her chaotic thoughts swirled. He gave her a few seconds, and then pulled out his phone.

“Okay,” she blurted while gesturing for him to put the phone away.

He let out a chuckle, and stepped into the house. Tentatively, Cheryl followed. He closed the door behind them, and immediately said, “Get those tits out.”

She reached for the next button on her blouse. As she unhooked it, he lifted his eyebrows and theatrically tapped his foot. Taking the cue, she quickly unhooked the rest of the buttons, shrugged off her blouse, and reached for the clasp of her bra. She unhooked it, slipped her arms out of the straps, and bared her breasts to him.

“Not bad,” he said.

“So... ?” she asked, hopefully.

“So, keep going. Let’s see that pussy, too.”

“I ... What do you want?”

He shrugged and said, “Okay, I’ll give it to you straight up. I’ve never found a girl that will let me try anal. You rear-ended me, so I’m going to rear-end you. Let me fuck that ass, and we’re square.”

Cheryl gasped, and her butt cheeks instinctively clenched. Though she was hardly an anal virgin, it wasn’t something she did regularly, and she’d never done it with a complete stranger before. She didn’t even know his name, and he didn’t seem to care what hers was.

As before, he gave her little time to think, and asked, “So, what’s it going to be?”

She gave a curt nod.

“Get your clothes off,” he demanded, and then whipped his own shirt over his head.

Cheryl found herself biting her lower lip when she saw his chest. He was cut, if not overly built. Though she was being blackmailed, it wasn’t as if he was some disgusting slob. She lifted her right foot and slipped off her heel while he plopped down on the couch to take off his own shoes.

She dispensed with her other heel, and then pulled down the zipper on her skirt. By the time she pushed her skirt over her hips, he was standing to take off his jeans. She couldn’t help her gasp when the denim slid down, revealing an eye-catching - and frightening, considering where he wanted to put it - bulge in his briefs.

They both slipped thumbs into the waistbands of their underwear at the same time. Cheryl shivered when his big cock sprang free, to bounce in anticipation. She couldn’t keep her eyes off it. Her twenties had passed her by, and having a good looking young man with a big cock ogling her caused arousal to surge within her, despite the situation.

“Yeah, that’s nice,” he said as she pushed her panties down past her knees, and then kicked them away. “C’mere.”

Cheryl crossed the floor toward him, thinking, What is wrong with me? as his demanding nature further swelled her arousal. She was being blackmailed - ordered around like a whore - and it was turning her on.

He left little doubt what he wanted when she reached him, and pointed at the floor. She sank down to her knees in front of him. Naked, on her knees, in a stranger’s apartment, with his cock looming large before her eyes, she shuddered from a fresh rush of wetness flooding her pussy. She wrapped her hand around the root of his cock and leaned in.

A growl escaped him as she licked his stiff organ. One of his hands settled on the back of her head, while the other sought her breast. She steeled herself, expecting him to maul her tits, and was surprised when he instead cupped the right one and began to caress it with his fingers.

Cheryl licked him up and down, wetting his erection. His hand, which had been simply resting on top of her head, tilted it back, forcing her to look up at him.

“You like that dick?” he asked.

“Yes,” she answered, deciding that playing up to him was the wisest course of action. She also did like his cock. As her tongue slathered over it, she could imagine it stretching out her pussy.

Of course, that wasn’t where he planned to put it.

“Then suck it.”

He grabbed a fistful of hair as she parted her lips, but didn’t pull on it. If anything, it was keeping her hair out of the way, rather than causing her any discomfort. She sucked on the purple helmet, tickled it with her tongue, pulled back, sliding her lips over it, and then took him in again.

Pressure on the back of her head let her know what he wanted.

Cheryl’s lips slid down his throbbing shaft as deep as she thought she could manage without gagging, and then retreated. He groaned when she took him in again, his hand exerting light pressure, causing her to suck him faster.

She was proud of her oral skills, and found herself caught up in the heat of the moment. She sucked him hard and fast, reveling in his growls and groans. His hand squeezing her breasts and pinching the nipples made her pussy ache.

She let out a croak when a twitch of his hips pushed his big cock into her throat. She fought the pressure of his hand to quickly jerk away, trailing thick strands of saliva. A cough escaped her, spraying spittle on him, and leaving drool running down her chin.

He chuckled as she swallowed, sniffled, and fought against her rebelling stomach. The hand teasing her breast moved to her armpit, and pulled. She planted one foot underneath her, and rose to her feet at his urging.

A crooked grin decorated his face as he stared into her eyes, filled each hand with one of her butt cheeks, and squeezed. “Time for the main event,” he declared.

Once again, her buttocks clenched, which drew out an even louder chuckle.

He nodded toward the hallway, and then walked that way without another word. Cheryl followed, wiping the spit off her chin, feeling a mixture of excitement and dread. He turned into a room, and she walked over to the bed when he gestured at it. He bent down, picked up a towel that looked a little damp, and spread it out in the center of the bed.

She didn’t need to be told what to do, and climbed into the bed. When she sat down on the towel, it confirmed her observations, as it was just a little damp.

He stood at the foot of the bed watching her, and then said, “Play with that pussy for me.”

Cheryl spread her legs, and slipped her hand between them. She trembled and drew in a shuddering breath as her fingers touched her clit.

“That pussy wet?” he asked while walking toward a nightstand next to the bed with his big cock bouncing.

“Yes,” she admitted, somewhat ashamedly. “So wet.”

He slid open a drawer in the nightstand, pulled out a bottle of lube, and said, “Show me. Finger-fuck that pussy.”