Debt Girl: Gender Swap Stories

“The contract is quite binding, Mr. Ulrich. I can only say that you should have come to us first. Interplanetary law is quite complex, but some things are very simple. The Yuthar gambling contracts are one of the simple things. Pay your debt, or they will collect. The Yuthar are a ruthless group, but they do play by the book.”

Chris Ulrich squirmed uncomfortably in his seat. His eyes were bloodshot and his clothes were wrinkled from head to toe. Though only thirty, he looked closer to fifty, the product of living a life of excess. “So what the fuck do I do?”

The lawyer tented his hands and leaned back in his chair. “You should surrender to them immediately. We can liquidate any remaining assets you might own and pay them out of that. The remaining balance would be settled through one of their garnishment programs.”

“I’m not becoming one of their slaves,” Chris growled. “They trot those poor saps around doing the most menial shit in the world and paying them nothing for it. It’d take the rest of my life to pay back the loan.”

“Probably, but there are different programs available. It all depends on what you are comfortable doing. I’ve had clients pay a loan twice your size back in a month.”

Chris nervously picked at his fingernails. “I could run. I could get at least two planet jumps before they caught wind of it.” He’d run over the idea a dozen times in his head since he recieved the first notification of collection. The Yuthar had a long reach, but in the grand scheme, he was a small fish and the galaxy was a big pond. As long as he got somewhere out of the way, he wouldn’t be worth the time to look for.

The lawyer shook his head as if mourning a distant relative, “No, Mr. Ulrich, running is not a real option. In all my years working with the Yuthar, not one of their debts has gone unpaid. Talking with my colleagues, I’ve learned the same from each of them. Our firm has been in operation since before our two societies ever interacted and no where in our databanks is any record of a debt to the Yuthar being forgiven. That’s why they haven’t been pushed out of the marketplace. They’re not common loan sharks. They are the premier high risk money lenders in all the nineteen worlds. On every inhabited continent of every planet, they have a presence. They are remarkable in their consistency. If you run, they will find you. They will double your debt for each step you take away from them. Gambling has its risks, Mr. Ulrich.”

Chris rocked back and forth in his seat. He could feel his options closing rapidly. “I could get another loan. Just have to keep my head down until I can pay off the Yuthar. Couple of games will get me back in the black. I can make a payment and clear the air some. I’ve come back from worse before. I can do it again, just need a little time.”

“No one will lend to you. Not even the seediest thug would hand you a dime. That path closed the second you received this notification. No one would risk crossing the Yuthar to give a gambling addict another hit.” The lawyer turned slightly in his chair to gaze out of the window.

“Hey, you can’t talk to me like that,” Chris said. “I’m not some addict. I’ve made good money doing what I do. Hey! Look at me when I’m talking. I’m paying you good—”

“Mr. Ulrich, you’re not paying me,” the lawyer said with a wave of his hand to the window. “They are.” The massive spire of the Yuthar building seemed to glare at them. “I’ve sent them notification of your whereabouts. They will be hear shortly. Trust me, this is for the best. Your flights of fancy about escape would only damage you further in the long run. Now please, don’t get upset.”

“You fucking piece of shit.”

“The worst part is over. The unknowing. You will be taken into custody and integrated into one of their programs. I suggest asking about the debt girl option. With that program, you can be paid in full by the end of the year. I’ll work out the legal side of it for you and my fees will be added to your balance.”

The office door slid open. A tall figure in dark robes stepped into the room. A Balerian, a monstrous race by human standards known for their brutality and guile, entered the room. His grey scale face and black eyes glared at Chris. The lawyer spoke up, “Hortha, please escort Mr. Ulrich to the lobby of the Yuthar building. They’ll take him from there. And, Mr. Ulrich, along the way you’re going to want to run. The closer you get, the more that sensation in your chest will build up. Please don’t make this hard on yourself. Hortha is very good at what he does. The Yuthar don’t mind terribly if you’re a little worse for the wear when you arrive.”

Chris sunk his head as he stood up. The Balerian didn’t move as he approached, blocking the door and staring at the smaller man intently. Chris shrugged, “Fuck it, let’s get on with it then.”

People in the street gave the Balerian and his prisoner a wide berth as they traveled to the Syndicate’s building. Chris spent most of the short journey focusing on his own self loathing, but occasionally when he noticed one of the narrow alleyways, the thought of running did crop up in his mind, even while Hortha’s eyes watched him unblinkingly. The lawyer had done a thorough job painting a grim picture of trying to escape. Even if he could elude Hortha, hundreds of other thieves and cutthroats would gladly hand him over. Chris finally started to understand the Yuthar’s real power. Everyone owed them something.

All the people walking past him and giving him looks of derision had a number beside their name in the Yuthar’s books. Most of them didn’t owe much, but just enough to happily get it erased if the Yuthar needed something. Chris hadn’t been any different until he started at cards. For two years, he’d lived the life of a king. Then he had a losing streak followed by another. His winnings evaporated, and he went to the Yuthar. For another full year, he’d lived off borrowed money, sometimes getting a little ahead only to fall three steps further behind. They should have stopped me sooner, he thought. They knew I was already in over my head, but they wanted another little drone for their hive.

The Syndicate building had the austere architecture of the settlement’s early construction. Another irritating quality of Chris’s benefactors was their excessive frugality in certain regards. They cared little for appearance beyond what was efficient. The outside was featureless and dark while the inside had no decoration other than the Yuthar emblem along the front of each desk. Hortha led the way through the lobby while Chris followed meekly behind, still lost in his own thoughts. He peered around at the others waiting in various lines and felt the urge to scream at them. He didn’t know whether he wanted to warn them or damn them, but he knew he wanted to scream. They reached a desk and Hortha spoke in an indecipherable tongue to the middle aged woman who looked as sour as Chris felt. While he couldn’t understand their conversation, he could tell when he was being mocked by the woman’s low guffaw and sneer. She placed a call and Hortha led him over to an unremarkable door at the side of the room. Chris wouldn’t have noticed it at all had he not been standing a few feet from it. He was suddenly lost in thoughts of other doors hidden in plain sight when the one next to him opened.

A young man in a uniform stepped out with a broad grin on his face, “Wotcher Hortha, what’ev ya brought me?” He brought up a tablet that instantly scanned Chris’s face. “Mr. Ulrich, we’re glad you’ve decided to repay your debt. My name is Logan, and I’m your transition officer.” He took a small bracelet out of his pocket and put it around Chris’s wrist. “That’s so we can keep track of you as we move through the facility. You would be surprised how many people have second thoughts.” He turned to Hortha, “Give you any trouble?”

Hortha responded in his own tongue. The two chatted back and forth just as Hortha had with the woman at the desk. A new sickening feeling came over Chris as he realized this was routine for them. He was being carted off to a living prison while these two talked about their weekend. Unable to tolerate the mundane chatter, he blurted out, “Can we get on with it then?”

Logan looked surprised, but shrugged, clapped Hortha on the shoulder, and led the way into the facility. “Now then, Mr. Ulrich, my job is to make sure we find a role absolutely suitable to your talents. I see from your file that you’ve accrued a considerable debt. While unfortunate, we don’t want you to feel like this is an insurmountable goal. The Yuthar wouldn’t have lent it to you if they didn’t believe you couldn’t get it back. Can I call you Chris, by the way?”

Chris had been distracted by his surroundings. They walked through a long hall of offices, several of which had windows. Inside, Chris saw a variety of alien species hard at work doing different tasks, each of them wearing a bracelet and each of them, even the non human ones, furrowing their brow in frustration. “Sure, Chris is fine.”

“Fantastic,” Logan said as he came to a stop. He entered a code on a door that slid open with a soft pinging tone. “Have a seat, please.” Logan’s office was a paradise compared to the other bleak rooms Chris had seen. It looked as though it had been torn from an old country home and dropped into the middle of a sterile asylum. The shelves were stacked with books and odd trinkets. Logan’s wingback office chair was surrounded by photos of friends and family while the walls were adorned with paintings or child drawings. Once again, Chris’s stomach turned as he realized his would-be jailer had a pleasant, comfortable life. Chris took a seat in one of two chairs as Logan went to the other side of the desk and activated his terminal.

“Alright, let’s verify some information first,” Logan said. He handed a tablet over to Chris. “Just follow along and thumbprint at each prompt.” Logan started reading through various facts about Chris’s life. His birthday, his parentage, and various identification facts rolled by. A prompt came up to verify each loan, and the total sum added up along the bottom of the screen. He’d never seen it laid out so grimly. He didn’t know how much more it would take before he went mad. Finally, Logan came to a stop. “Alright then, that’s all the busy work out of the way. Now, as I’m sure you’ve been advised, we offer different types of programs for repayment purposes. A positive way to look at it is that you’ll never be unemployed again. Sorry, I know that’s a shit thing to hear, but it’s part of our guide book. Oh, also, if you have trouble adjusting to your new lifestyle, we have some support group things. I’m not sure anyone ever uses them, but they’re offered one way or the other. How you holding up over there?”

“What’s the fastest way out?”

Logan shifted in his seat. “Our higher paying positions require certain sets of skills and training which from your file you do not seem to possess. I mean, if you were a top notch engineer, we’d be able to work something out, but you’re more or less ave—”

“I was told this could be done in as little as a few months,” Chris said slowly. He was trying to keep calm despite every instinct telling him otherwise.

Logan rubbed his chin. “We do have some more….strenuous positions. We don’t usually offer unless the debt is extreme. But you do fit the profile as far as age goes.”

“What is it? I’ll do anything.”

“Careful, Mr. Ulrich, anything covers a lot more here than it does elsewhere.” Logan turned his attention to his terminal for a few moments until Chris’s tablet changed to display a different language. “Are you familiar with the Geron developed process of genetic restructuring?”

Chris nodded his head. “When I…had money, I met a man who was obsessed with it. He told me it could make you into a whole new person.” Chris’s tone darkened and he laughed, “He said if you ever needed to disappear, it would give you a whole new life. Where the fuck was he this morning?”

“Working for us, most likely,” Logan answered. “The technology was originally developed for the Geron. Replicating it for humans has proved rather difficult because researchers lacked some of the core code of the original machines which just happened to owned by the Syndicate. Our own researchers have adapted the process, and the Yuthar are exploring methods of monetizing it. One of those ways is a program called, ‘Better Than a Memory.’ Clients provide a source description of an individual from their past. A first love, the girl who took their virginity, an old obsession half forgotten, and even the occasional spouse. The descriptions are obtained through a mental extraction process and synthesized into a working model. The model is then reverse engineered into a genetic imprint. That imprint is used to bring the memory to life. That’s where you come in. The imprint is overlaid on your body.”

“What the fuck does that do?”

“You are transformed into the object of our client’s desires. Your body is reshaped and nature takes its course. Your mind is not altered at a basic level. If that were possible we could use some kind of organic template. We tried with clones, but…well, suffice to say it wasn’t profitable. With the right hormonal levels, you get more less the same effect. Our clients get to live out a long lost fantasy, and you get quite the paycheck.”

“So I become a whore?” Chris said flatly.

“No, Mr. Ulrich, you become dream fulfillment. If you look at your screen, these are the job satisfaction numbers. Honestly, half of the people still working in the program paid off their debt long ago. We’re actually instituting a maximum years of service.”

“So I’m changed into some old woman’s dead husband from when they were young? And I have to fuck her?”

“Absolutely not. We have very specific rules about these interactions. And they are mostly expressed through the marketing. No need to beat around the bush, we’re selling sex. Wild, bizarre fantasies that only take place in dreams until now.”

“So, I become their sex doll?”

Logan worked at his terminal for a few seconds again. The tablet began displaying new images of absolutely beautiful women. “These are a random sample of imprints. You’ll notice there are few men. This market appeals to unfulfilled fantasies and doesn’t come cheap. Our average client is between twenty five and forty and male. As a result, the average imprint tends to be a woman eighteen to thirty and built for sex. These are the women that stick out in the memories of our clients. Our minds don’t remember specifics, Mr. Ulrich. Think back to the women you knew when you were young. Well, younger. Do you remember their hairstyles or their eye colors? No, we remember blurs associated with non sequential events. Couple those with photos, and we see mental images. If you try to translate that into a physical thing, such as a drawing or a painting, you wind up with something that looks nothing like what was real. So what do we remember? ‘She had big tits’ or ‘an ass like two big pillows.’ Abstract concepts combine with snippets of true memory to create these imprints. These are not dolls. These are dreams come to life.”

Chris looked at the photos while his mind thought of the others in offices all around him doing menial work. “If I did this, how long would it take to pay off my debt?” Logan pressed a button and the number at the bottom of Chris’s tablet changed to read ‘41’. “41 what?”

“Days, including weekends. With imprint times, that’s about three clients per day. I can give you a while to think about it.”

“No, that’s ok. Let’s do it.”

You can do this. You have to do this.

Chris watched the tech flit around the small room as if she were constantly forgetting things. He tried not to think about the capsule around him or the different needles continuously pushing into his skin. Though he felt none of it, the idea unnerved him. He heard a chime, and the capsule opened. “All done,” the tech announced. Chris reached for the towel to cover himself, but she stopped him. “None of that now, the sooner you get used to being naked, the better off you’ll be. Come over here now.” She led him over to a small cot and sat him down. She checked his pulse and other vitals while he vainly attempted to hide his genitals. “Ok, Chris, it’s your first time and that can be a little disorienting, but don’t you worry, the hormone cocktail will take care of everything. Just do what comes naturally, and you’ll be fine.” She grabbed her tablet and started checking boxes off. “Client is going by Corbin. Oh, my, he has made a few additional requests, but, hey, he’s paying double. Seems he’s opted for the viewer package and the enhanced body package.”

Chris was tired of having people telling him things. From the moment he arrived at that damned lawyer’s office, he’d been told every single thing that would happen. It must be some method to allay anxiety. As long as he knew what was happening, it would seem normal. He had to fight to remind himself that sitting in an exam room completely naked after being injected hundreds of times with a genetic altering serum which would soon change him into the lost love of some rich fuck was not normal. “What is the enhanced body package?”

“Everything is a little bigger, mostly. And you’re more sensitive. You’re gonna love it. Come on then, let’s get you to your parlor.”

The tech led him to the elevator. Along the way, she said good morning to a woman with bright pink hair and breasts the size of basketballs. She was completely naked from the pink hair on her head to the pink nail polish her toes. Chris didn’t bother to hide his gaze. Since he’d arrived at the facility, he’d been chastised for his desire to wear clothes so in exchange he took full liberty of the naked bodies of the beautiful women walking around. Logan sold the idea to him as a wistful world of long sought fantasies coming to life, but the reality was more tawdry and common. The other girls or men, it was hard to tell how each of them started, almost always had exaggerated sexual features. With the limited contact Chris had with his new coworkers, they’d seemed friendly, but he couldn’t tell if it was genuine or a byproduct of whatever chemicals they were pumped full of at the moment. Further, he couldn’t tell if he’d met any of them before since they got a new face and body several times a day.

The elevator rose rapidly up from the basement level and finally stopped on one of the penthouse floors. The tech gestured for him to go forward, and Chris nervously obeyed. He walked with his hand covering his cock as he entered a large open den that had a bed at its center. As he stepped into the open space someone spoke, “Ah, there you are, I’d been wondering what was taking so long.” A young man with jet black hair and a handsome physique was standing at a small bar. He wore a pair of boxer briefs, but nothing else. Chris did not know what he’d been expecting, but Corbin was not it. He was muscular and youthful with a charming smile and an easy demeanor. Chris had expected someone frail or ugly or old — someone with a reason to buy sex. “Hi, I’m Corbin,” he introduced himself. “And you’re about to be Jess.” He offered Chris a drink.

Chris took the whiskey gladly and sipped it. “Thanks,” he muttered.

“Have a seat,” Corbin said. As Chris sat down on the edge of the bed, Corbin sat in a nearby chair. “So, how many times have you done this?”

Chris gulped his drink, “It’s my first actually.”

“Oh, wow. Not me. I come here for a weekend at least once a month. I’ve almost run out of ideas to be honest. That’s why I wanted to watch it happen. It fascinates me.”

“Sorry for asking, but…why? You don’t look like the kind of guy that would need any help finding a woman.”

Corbin laughed. Chris wondered why it seemed so charming. He’d never particularly noticed another man’s wit or charm before. He wondered if he’d know when the change started. Corbin answered, “Don’t worry, you’ll learn. I’ve thought about joining the program myself, or at least convincing the Yuthar to expand it to other areas. They don’t know what they’ve got here. Meticulous and careful are great qualities, but they lack imagination. You’ve been given a gift. You’re freed from the constraints of physical identity. You get to traverse between bodies as if they were nothing. You get to experience pleasure constantly. If anything, the process shouldn’t be released to the public because of how addictive it is. Oh, looks like we’re starting. I was nineteen when I first met Jess. She was a little older than me, the daughter of a miner at one of the outer edge sites. I was touring the grounds with my father when I saw her. I’d seen girls before, of course, but nothing like Jess. She had this earthiness about her. And blue hair.”

Chris felt lightheaded. His scalp sort of itched, but not exactly an itch. As he reached up to scratch, his fingers raked through long locks of deep blue hair. Like a wave crashing against him, his body rocked with heat. He looked over at Corbin who leaned back in the chair and fished his cock out of his boxers. The sight of it made Chris’s mouth water despite his mind rebelling against the impulse. Chris moved his hands down to explore his own body. The wiry hair disappeared from his chest as new fatty tissue swelled behind his nipples. Up until that moment, he didn’t believe it was really possible or, at least, that it would actually happen to him. His hand went down to his crotch and groped for his cock. While it was still there, it was rapidly shrinking. Another wave rushed over him. He shook as his insides coiled, sprang, and coiled again. He felt his bones moving inside his body, but no pain. Instead, he felt a constant euphoric pulse throughout his body.

Corbin actively stroked his dick to the sight of the man transforming. Chris, though barely aware of the show he was putting on, felt a strange sense of pride at seeing Corbin’s hard cock. Bringing his hands up to his chest again, he was glad to find his tits had grown out from buds to handfuls. The wonderfully soft flesh caused new waves of pleasure as he squeezed them. Though they were quite fun to play with, he didn’t let the other changes to his body go unnoticed. His hips flared out to an almost impractical degree. His ass had swollen to match. He’d taken for granted how flat his ass had been all his life as he rose up on new fat cheeks. Lost in the pleasure of his changing, he barely noticed the pulling sensation between his legs. When he felt the pop, his hand shot down to find a wet slit where his cock had been. Finally, he thought, now I have something for Corbin to shove that fat cock in. God I’m so horny. Why didn’t I do this sooner.

Corbin stood up and let his boxers drop away. His cock, sporting a little enhancement of its own, stood out like an iron rod from his otherwise toned physique. On the bed was a living image of the woman he’d seen all those years ago. Her luxurious blue hair draped over her shoulders above two enormous, tear drop shaped tits. Her body was taut with a flat tummy and smooth pussy. Where moments before there had been a scrawny man terrified about his prospects in life now sat a heavenly creature hungry for cock. “Hello Jess,” he crooned. “Come over here and suck my cock.”

Chris rebelled against the name for only a second. I have tits and a pussy. I can’t be Chris. Maybe I’ll be Chris again one day, but now I’m Jess. And Jess wants cock. Jess dropped to her hands and knees and crawled over to Corbin. He watched her as her ass swayed back and forth enticingly. When she reached him, she sat back on her heels and took his cock in her hands. Stroking it slowly, she was happy to see a glistening sheen of precum already oozing from the tip. She lifted his cock and locked eyes with him as she lowered her mouth to his balls. Her tongue gently licked at his sack as she moved her way up to his shaft. She flattened out her tongue as much as possible and dragged it slowly along the underside of his thick cock. At the very end, she rewarded herself by taking the dollop of precum and swallowing it down, making sure Corbin got the show he secretly desired.

Abruptly, Corbin grabbed her and pulled her to her feet. He moved them quickly over to the bed where Jess pulled him down on top of her. Chris flashed through for a moment as the thought of a man bearing down on him caused a slight moment of panic, but the warmth of his body and the enticing scent of his sweat drove those thoughts away. In their place, Jess focused on the empty feeling at her core. Corbin pressed down on her, kissing at her neck and moving down her chest. Each time his lips touched any part of her new tits her body shook with pleasure. When his mouth reached her swollen nipple, she yelped out loud. Her hands scratched at his back as his tongue swirled around her nipple and his thumb flicked over the other. He let go with a wet pop as he moved up and let his cock slide along her inner thighs. As the thick rod pushed against her pussy lips, she shuddered. Again, Chris broke through and alarm interrupted her otherwise mind boggling pleasure. You can do this. Fuck it, you enjoy this.

Corbin wrapped his arms around Jess’s thighs and pulled her too him. His cock slid along her drenched lips driving him wild with anticipation. He rocked back again and pushed inside of her. She let out a low moan, and he sighed in contentment as her warmth wrapped around him. With each inch he pushed inside of her, he could feel her pussy clamping down on the invading rod. He moved his hand to her neck, pulling her up into a deep kiss. As he rooted himself inside of her, he hesitated, letting her adjust to his size and enjoying the sensation of having his cock hilt deep in a woman designed perfectly to suit him. Slowly, he started to pull out, but Jess wrapped her legs around him, forcing him back down. Despite her protests, he moved his hips in and out, allowing is cock to move a few inches back and forth, but never withdrawing fully. The anticipation grew to a heated intensity as he lowered his mouth to her breasts again. As she screamed in pleasure, her grip on his hips loosened and he pounded into her harder and harder.

Jess’s mind was awash in pleasure. Tears welled at the edges of her eyes due to the intensity of each minuscule orgasm. She could feel the tension knotted in her core growing stronger and stronger each time Corbin’s cock bottomed out inside of her. She needed to feel him cum inside her. She need to feel him cum on her. She squeezed her pussy tightly around his shaft, feeling the pulse of his heartbeat as his face started to contort in pleasure. Without much other warning, the first glob of cum shot deep inside of her. Corbin’s hands grabbed hold of her hips and pulled her hard against him. The second eruption pushed her over the edge. Her body went rigid, and her limbs trembled wildly as an unknown level of pleasure racked her body. Corbin’s cock slipped out as he tried to thrust in one last time, sliding up along her pussy lips. His cock sprayed thick gouts of cum across her stomach, some even splashing on the underside of her tits. His arms wrapped around her and pulled her tight as she came down from her out of body experience. They laid together in a sticky, warm glow.

“You asked me, before, when you were someone else, why I would do this,” Corbin said softly. “Because this is better than the real thing. The fantasy isn’t just getting to fuck the girl that got away. The fantasy is making her cum like the world is ending over and over again.”

Chris couldn’t believe what he’d just experienced. His entire sense of self had been thrown into the ether while pleasure ruled his mind. He leaned in to Corbin’s chest, his pouty soft lips and blue hair looking as sexy as ever, “Then that works out pretty well for both of us.”

—

Hours later, Corbin was fast asleep in the bed. Cool blue light shone in from the moon outside as Chris stood at the large windows looking out at the alien landscape. He teased one of his nipples as he imagined crossing off one of the days of his debt. His other hand moved down to lightly stroke his pussy lips. Returning to the bed, he reached down to take hold of Corbin’s magnificent cock. It responded to his touch. You do enjoy this. Jess opened her mouth as Corbin roused from his sleep.