Declined Payments: Collections

Disclaimer: This story is my intellectual property, and should be treated as such, do not plagiarize, or post without permission. If it is not legal to view writings that are sexually explicit and may have themes of bondage, feminization and other ‘deviant’ sexual experiences: don't read this. Don't read it, if it is not legal to do so where you live. Going any further is of your own free will, and responsibility is solely on yourself. Any similarity to real people or events is highly cliche, horrifying and unintentional.

Rules for the Subs:

1. You belong to Mistress Dyvia until your next orgasm.  Say it. 2. If you have lipstick, have it ready, when lipstick is applied to the protagonist’s lips, you will as well… and from that point forward you will say everything that she does with your most feminine voice.

3. You will press your finger just above the base of your clitty (some non-sissies think of this as their penis) and you will rub it in small circles like there was a woman’s clit there….  Stay aroused. 4. If you enjoyed this story, then click the ‘like’ icon when you are done, if you loved this story and dream that it was you in Jeffrey’s position.  You should let the world know in the comments below. 5. If you are done with rules 1-4. Then you must cum while chanting over and over again, “I am a feminized mindfucked bimbo cumslut.” over and over again.   Good sissies will thank me after.  

enjoy!

Mistress Dyvia presents:

Declined Payment: Collections

By: Mistress Dyvia

Jeffrey was scared. They were two big thugs on either side of him and he wasn't sure how the hell he was supposed to get away from them. In fact, he knew that nobody was supposed to get away from them, and as the car kept driving he felt that every minute he didn't try something, that he was accepting a fate worse than death. The car took its turn and went to an underground garage. Was it too late now? 

The car came to a stop and the first gorilla got out, closing the door behind him. Then the second gorilla opened his door, stepping out, that is when he reached back in, took Jeffrey's wrist and pulled him out. Each of the guards took his hand and walked him as if you were a child through a pair of glass doors and then to an elevator. They descended into some basement level. 

Before he knew it he was in some sort of laboratory setting, and he was escorted to a room and when it was opened he was put into a chair in the guards left. 

He knew it was too late now.

The room was largely empty aside from a large mirror on the side that he was pretty sure people would watch him from. With the exception of the door in front of him, the room was all white, the walls and ceiling seemed to be made up of the same shiny reflective surface, and the floors were a uniform white marble tile. 

A knock came from the door in front of him and a moment later a woman walked in. “Do you know who I am?"

He shook his head to let her know that he did it or not.

“You may call me Miss Jeanette." She had something of an amused smile, “it's been a very long time since someone did not pay their bill. We are going to make an example out of you. You will be the warning that all our future clients will see. You will be the warning that all our past clients will see.”

"Look if you just give me a little bit more time-”

"-Stop that bullshit right now.” Miss Jeanette cut him off. She took a deep breath and then continued, “I probably would have actually given you a little bit more time. This is a very profitable business and we can be very understanding. But the truth was that you had no intention of paying at a certain point. This would not be happening if you didn’t make it clear to Cynthia that you could not or would not pay.  You thought because some of the things that we did might cause us more problems from a legal standpoint, that we wouldn't have done anything about it. We are going to do something about it.”

“I'm willing to work something out." 

"It's already been worked out." She approached the wall and with a  wave of her hand in front of it, a virtual display appeared. She pressed a button and a bench slid out from the wall, she pressed another and she sat down. "If you don't mind, I'm just going to watch.” Then she sat on the bench and crossed her legs with a quiet yet eager anticipation for the show she was about to witness.

A moment later, three men walked in. Two of them vaguely resembled the guards that escorted him in here by their physique and black attire, and the third one wore white lab coat.  The man in the white coat pushed some sort of device that was a mix between an armored tank and a wheelchair. He brought it up and pressed a button, and the armored chair opened up revealing a nice little seat with impressions for arms and legs. "I'm going to need you to sit in here, sir.”

"Please, I don't-” Jeffrey started as a protest, but the two Men in Black didn't take a single moment’s hesitation and grabbed him by his arms and picked him up pushing him into the chair. A couple of straps made sure his arms were right where they were supposed to be before doing the same with his legs.  The man in the white coat pressed a button and it closed down leaving everything below. His chest locked into this strange armored wheelchair.

“You can't do this to me!" 

And then suddenly Miss Jeanette was right in front of him again, "I'm thinking right now that you need to be gagged. Now the real question is, can you gag yourself mentally… or should I use this?” She held up a very simple device, in fact it could be bought in any little sex toy shop. It looked like a little dildo. But it had a nice soft base for lips, and a strap that would wrap around a person 's head and a little padlock to secure it in place. "I will take your silence as agreement that you can keep yourself mentally gagged, because if you even verbally agree with me, this is going right down your throat and locked in place.”

Jeffrey stared at it for a moment, and then pressed his lips together, tightly.

"Much better.” Miss Jeanette said with a delightfully deviant smile.

He was led to a room where his armored chair was placed into part of a larger machine.  And he could feel a cold thick liquid filling the spaces around him. And then the device was turned on, it felt like he was being minorly electrocuted. It was uncomfortable for him. It wasn't very painful, he felt like the hairs on his arm should be raising up, but that was it. Aside from the fact that it seemed to be focused more intently on his crotch, He didn't like that one bit. But directly across from him was Miss Jeanette just playing with her phone with that penis gag sitting on her lap waiting for him to make a sound… he stayed quiet. 

They stayed like that for nearly an hour and then the electricity seemed to be shut off and the fluid was flushed.  The armored chair was opened up, and Jeffrey could see that his penis was gone. There was a vagina and its place… 

Any place that liquid soaked had dissolved his clothes, he had the basics of a white shirt and tie from just below his nipples up, the rest of him was naked.

He wanted to scream out, but when he made eye contact with Miss Jeanette she had a very amused smile and was dangling that penis gag over her finger spinning it around and around… and around… just waiting for his first sound of protest.  He was just a man with a vagina right now. And he knew they were going to do more.

“Unstrap his right foot.” was Miss Jeanette's next command. One of the Men in Black did so. She walked to a shelf next to him, and withdrew a box that had his name on it, literally.  

She squatted next to him, and opened the box revealing footwear. She slid it onto his foot, it was a strange almost feminine piece of footwear and once it was on his foot he understood just how malicious it was.  It was almost like a high heel, except that his feet and toes pointed in the same direction: down. They pointed his foot straight down. They forced him to walk on his tippy toes. Then the next shoe was strapped on. And with a button press on her phone, there was an audible locking sound forcing it to be locked onto his ankles. 

The straps were unlocked, and he was able to get up if he tried… whether or not he would be able to stand on those special heels was an entirely different story.  “Come along." Miss Jeanette commanded while still dangling that penis gag seeing if he would try to complain.  

He did not. He tried his best to stand and mostly just wobbled. She took a step to the door, and Jeffrey took a tentiitive step towards her, but mostly wobbled with his three-inch step.

She nodded to one of the guards, and he took her arm and put it around his waist, "walk as best you can,” he said, "I will make sure you don't fall. Most of your weight will be on us. But you will be making the walk." The other guard took Jeffrey's other arm and put it around him and the three of them followed behind Miss Jeanette.

They were taken to another room, where the last of his old clothes were removed. Soon,  everything from his beard to his shoes were covered in a thick foam. Jeffrey stood there for about 2 minutes before they just washed it off revealing that he was now hairless. He still had the hair on his head and his eyebrows, but that was about it and once he was dried off it was off to another room. 

There was a strange device it wrapped around his waist.  And tightened it, in fact, they tightened it so much that he felt extremely uncomfortable. It was almost difficult to breathe.  And then this weird wire was placed into the device and it started working its way around him. He felt a piercing on the side of his waist, and then something extremely uncomfortable moving around inside of him… several minutes of what could only be described as disturbing sensations, not painful, disturbing was accurate… and the device was removed from his waist. But his waist now had a permanent feminine hourglass shape to it… whatever they put inside of him was essentially a subdermal corset.

Tears started dripping out of his eyes, but he knew they weren’t even close to done… they were off to another room. Injections were made to his thighs and his ass. And he watched as they literally inflated his thighs and his butt to give him a very tight feminine appearance. 

They walked him to a mirror, But the mirror only showed him from his naval down. Miss Jeanette asked him, “What do you think? You may answer questions without penalty.*

He hesitated, but as he looked into the mirror, he saw a woman's waist, a woman's vagina, a woman's thighs. “It looks like a woman's body.”

Miss Jeanette walked behind him and by the sound that he heard, she took a picture of him.  She walked back and showed him her cell phone. “What do you think of this?" 

His voice was very much defeated, " it looks like a woman's ass.”

"Good, I'm glad we're in agreement about your body." She almost put an emphasis on his body since he kept referring to the way it appeared as ‘it,’ almost like he didn't want to admit that it was his. “Now we just have to fix…” her voice trailed off as her hand gestured around his chest area. 

And then they were off to another room, two large tubes hanging from a ceiling. Each tube ended with a needle. She took it and pressed it right into his left nipple and then the other into his right and she snapped her fingers. Obviously somebody who was watching pressed a button and he watched as a thick gelatinous material seemed to flow through the tubes and into his nipples and then a moment later his chest started to swell… and in less than a minute it was clear that his chest had two small breasts. Another moment later, he had average sized breasts. But Miss Jeanette was not going to settle for average, he was quickly becoming a caricature of femininity. He had very large breasts by the time when they were done. And when she rubbed her hands over his new breast, he found that they were extremely sensitive. She removed the tubes and walked him to another room.

There's a device that looked like a motorcycle helmet that was placed over his face… he felt injections in his face, and when it was finally removed, Miss Jeanette looked at him with a satisfied expression. She walked him over to a mirror yet again, “what do you see when you look into this?" 

He didn't recognize himself. He stared at himself. Completely unsure of what to think or say. 

Miss Jeanette repeated her question, "what do you see when you look into the mirror?”

Jeffrey brought his eyes a couple times and finally answered, “a woman." It was an undeniable truth. There was not a shred of masculinity staring back at him. This was the kind of woman that he would have tried to fuck. 

"What kind of woman is staring back at you from the mirror?”

Jeffrey didn't want to answer, but he was now afraid of this woman. She could do so many things to him, “a Bimbo." 

She clapped her hands eagerly and with excitement, “you got it on the first try!" And she pointed something to the far wall.  He stared at it for a moment trying to figure out what he was supposed to look at. And then he turned his head back to Miss Jeanette except she was pointing a gun right at his forehead. She pulled the trigger and it was instant pain. 

His mouth opened in a silent scream, but nothing came out. His body started to fall and two large men caught him and his body convulsed for a moment. 

There were no more thoughts…  No more ambitions… no more emotion… no more understanding… forever caught between two words. His mind caught between two thoughts on the tip of his tongue.

His body stopped convulsing, the woman above him said something about, “lobotomized for now." But his mind didn't understand the words, though they seemed very familiar.. 

Instead, he was dragged to a room where he was put into a chair sitting up and a group of women started doing things to his head… brushes being applied to his face. Things happening to his fingers one at a time.  He was in this room for hours, not that he had any concept of time, as these women did things to his face, hair, and fingers…

And then the two men picked him up and dragged him to another room. This tight suit was placed over him. It molded to him perfectly, emphasizing all of his curves.. His body tried to fight it, but every one of his motions was completely uncoordinated. And then he was strapped into a chair and the same woman from before was standing in front of him. “Let's bring him back." He didnt understand the words.

A moment later his consciousness seemed to be back. He was now in a black rubber catsuit.  His feet were still pointing straight down. His fingers had pink nail polish and they were at least an inch past his fingertips. He had blonde hair and it hung down almost to the center of his breasts… his face was framed by this hair, and he was aware of the bangs that were just over his eyebrows. He pressed his lips together and felt the lipstick. He was aware of either the eyeliner or mascara that was heavier than his lips… Though he wasn’t sure which.

Miss Jeanette looked at him… looked at her. She was not a man anymore, she was definitely a woman now. “Modules one and two have been implemented, unstrap him." A moment later she was free. Miss Jeanette looked at her, “I want you to stand up, walk over to me and kneel." 

Against ‘her’ own will, she stood up, and that is when she started to walk with those strange heels. She took one step after another walking perfectly comfortably towards Miss Jeanette. One foot not only in front of another, but crossing making sure her ass swayed hypnotically to any man who was behind her. And then she dropped to her knees in front of Miss Jeanette.

“Module one is making sure that you are 100% obedient-slash-compliant to any person that we have designated as an authority figure to you. Module number two. Make sure that you know how to act and behave like a woman. We did your makeup the first time, but you'll find that you will never have trouble doing your own makeup again. You'll never have trouble walking in high heels. Though just for fun, you will find that you can't walk in flats or sneakers unless your mind is in a workout mood. Thank me for doing this to you.”

Jeffrey did not want to, but the next thing out of his mouth was, "thank you Miss Jeanette. I am so glad to be the bimbo you have turned me into." 

She dialed a phone number, and then we said, “activate modules three and four." 

A moment later, Jeffrey's eyes rolled into the back of her head and when she calmed down, she was trying to figure out if anything was different. 

Miss Jeanette held that gag in front of her. No matter how much Jeffrey tried to look away, she was focused on it. She was feeling a moistness between our legs that she did not like, "may I  Miss Jeanette?

No no no no no… but when Miss Jeanette nodded her head, against her mind's protests, Jeffrey found her lips wrapping itself around the phallus of the gag and started pumping it like she was trying to give a blowjob… Miss Jeanette allowed her to do this for about a minute and then told her to stop, forcing it all the way in her mouth and then locking it behind her head. 

"If you would like me to remove that, clap your hand at any time.”

Jeffrey tried to clap her hands together, but it never happened… instead she just felt herself getting so much wetter between her legs. 

She was led to another room, how many rooms did this place have? There was a rubber model of a man, its phallus was exaggeratingly large… she was told to give it a hand job, and she tried to fight it but she did.  She was told to take a facial.  And as she jerked it off, she brought her face nice and close to it with a big smile on her face until white goo started spraying up at her.  Then she was told to do it again but to take it in her mouth at the last second.  She clapped her hand to remove her gag, and she did. And she was told to spit it out and she watched a trip all over her black rubber catsuit.  Once she was cleaned off she was told to do it again… this time swallow.  She did… and then she was told to give him a blowjob. She did. And like with a hand job. She took it on the face, took it in her mouth and spat. The third time she took it in her mouth, she swallowed… then she was told to take it in her ass, and she did so… and then her vagina… she didn't expect it to feel that good… but then again she didn't expect her ass to enjoy getting fucked either…

Jeffrey was stressing because this was a violation of that everything that told him was supposed to be masculine.  But he was not a man.  He was not masculine. Even if his mind refused that.

They took the fake man out and replaced it with a fake woman.  Jeffrey spent hours pleasuring the female dummy.  She showed that she clearly knew how to use her fingers to get a woman off, use her tongue, and so many other things that as a man he never would have even dreamed of doing…

Miss Jeanette took a little while and helped her get out of her rubber catsuit. She was told to dress up well for a first date, and then she was left in her room where she had to spit everything she needed. 

She washed her face to get rid of all those cumstain-like off of her face. And then she reapplied her makeup like a pro. Jeffrey was actually surprised to see how good she was, at how easy it was… to do her makeup like that. Styling her hair was as easy as shaving was for a man. Then she put on some sexy see-through panties and stockings. And found a red dress that really showed off her body and cleavage, and then picked a pair of stiletto high heels. She went back out to meet Miss Jeanette. 

Miss Jeanette walked around her like she was a piece of meat. “Very good."  Then Miss Jeanette walked to the door and knocked on it three times, and the door opened up. 

Elias stepped in. Jeffrey knew Elias very well, they had been rivals since they were kids since fathers were partners for the law firm that they both worked at.

Jeffrey did not like this at all. But her body did not react to the man.  Miss Jeanette spoke, "I'm sure you know Elias. When you go back to the law firm, you'll be Cynthia's new secretary, you got the job because you've been dating Elias. At least that will be your backstory. What do you think?”

Jeffrey finally had the freedom to speak her real opinion, “please not him. Can I just be a woman, single and free?" 

Miss Jeanette, giggled, “as if a bimbo with your body would ever be happy being single. ‘She’ would need a rich boyfriend.” Then she pressed a button on her cell phone and whispered, "final module.”

A moment later Jeffrey's eyes rolled into the back of her head, she felt shifting her thoughts again… and when it was over she still didn't know what was different. 

Miss Jeanette, spoke first, “I'm sure you know Elias.”

She looked up at Elias, she knew him. He was so sexy. “Hello Elias… my name is Phoebe.”

He took her hand gently, "it's one of my favorite names. I love ‘Phoebe.’ so here's what I was thinking. I wanted to take you to a nice Italian restaurant, very upper class. And halfway through the dinner I dropped to a knee and proposed to you and you'd accept. You'd be my fiance when you start your new job tomorrow, how do you feel about that?" 

She blushed a little, “I would love that, A girl couldn't dream of something any sexier.”

He laughed a little, "or…" he left the word dangle for a moment, “I could turn on the baseball game, and you could just suck my cock for the night." He watched as Phoebe's eyes went wide, “lady’s choice." 

"You're not making that easy, are you?” Phoebe teased.

“It wasn't supposed to be easy. That was the point. But hurry up and make a decision… you have until I finish counting down to decide… 3…2…”

Monday morning she walked into the office as a brand new secretary.  She knew where she was going, the place familiar though she didn't think she had worked here before.  She approached the office ahead, the words ‘Cynthia Gates’ written across the front of it. And when she knocked she was invited in. She approached the woman behind the desk and said, "Hello Ms. Gates, how can I serve you today?”

The woman had a knowing expression on her face, like she knew exactly who she was. "Hello again, I believe Jeanette said that your name was Phoebe?”

"Yes Miss Cynthia."  They shook hands. 

Cynthia looked at Phoebe, and seemed to focus on her left finger, “I know you got your job through one of the partner’s sons… I was told you two were very close, I had heard a rumor that you were engaged?”

Phoebe licked her lips, "not yet. But we're getting there." 

The End? I hope that’s what you have been waiting for.  Were you hoping or expecting something different when the original ending said she looked unrecognizable when she entered Cynthia’s office? Let me know what you think!  kisses! Reach out, I look forward to hearing from you! Email: Mistress_dyvia@yahoo.com Twitter: @Dyvia16Website: Mistressdyvia.com Fetlife: https://fetlife.com/users/10443296 Linktree: https://linktr.ee/mistressdyvia And if you wish to support my writing or get early access, click the link and see if it is worthwhile to you!Patreon: https://www.patreon.com/user?u=23024772

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