My date with Matt last night

I leaned against the door of Matt’s apartment trying to balance a box full of magazines on my knee as I and fished through my purse for the key he had given me. When he hadn’t answered the door, I had assumed he was still out running errands.

Just as I got the key in the door, it opened and I fell forward, the box flying out of my arms. Patrick, Matt’s twin brother, rescued the box before it hit the floor.

"Whoa," he laughed as I regained my footing. "Come on in, Rachel."

"Sorry," I said, turning to take my key out of the door. "I didn’t think anyone was home."

"What’s all this?" he asked, carrying the box into the living room.

"Just some magazines a friend gave me. She was throwing them out and I thought I would go through them."

He flipped through the box as I went into the kitchen to get a soda. When I returned, he was holding one sideways and grinning.

"Where’s Matt?" I asked, plopping down into an oversized chair.

"Helping some guy move a couch."

I watched him as he flipped through the magazine. Even after a year of seeing Patrick and Matt side by side, I couldn’t get over how two people could look so much alike. Fortunately, Patrick wore glasses and Matt wore contacts or I wouldn’t be able to easily tell them apart.

"I don’t get it," he laughed.

"Don’t get what?" I took my soda over to the table and looked down at the magazine he was holding. It was a picture of a naked guy sunbathing on a rock.

"What magazine is that?" I sat the soda can on the table and took the magazine from him. I turned it over to look at the cover. "Playgirl? No way!" I handed it back to him and flipped through the rest of the magazines in the box. Out of a few dozen, I found two other editions of the magazine.

"I never would have guessed that Patty would put these in here." I flipped through an issue featuring cowboys.

"Yee haw," joked Patrick, looking over my shoulder at the cowboy wearing nothing but chaps and a hat. "She probably bought them because she likes to read the intelligent articles.

"Oh stop," I said, nudging him in the side with my elbow. I turned to the centerfold page and gasped at the dark-haired, blue-eyed wonder that was showing all. "Giddy-up," I whispered, thinking the haystack was looking pretty inviting.

"Maybe Matt needs a cowboy hat," he laughed, throwing his copy into the box.

"Couldn’t hurt," I muttered, tracing the dark hair down the model’s hard stomach.

"I see you’re in good hands," said Patrick, grabbing his keys off table. "I’m going out to the store."

I heard myself say, ’okay’… or ’fine’… or something without taking my eyes off the cowboy. I started to read the article that talked about who he was and what his interests were. Too bad he lived in Texas instead of California. I took the magazine and my soda back over to the couch and read the entire story about the cowboy. Then I decided to start at the cover and check out all the articles and naked men from the front cover to the back.

I was 24 years old and had never seen a Playgirl magazine, or anything like it. I had no idea women sent in pictures of their naked husbands, or wrote stories about their fantasy lovers, or asked intimate questions about sex. Maybe Patty really did buy it for the reading. I laughed at the thought. I couldn’t wait to tease her about it.

An hour had passed by the time I finished reading through it. Matt still wasn’t home and I was really horny from all the reading. I decided that the best way to greet Matt was naked in his bed.

I dropped the porn magazine back in the box and went into Matt’s bedroom. Quickly stripping out of my clothes, I crawled into his bed, feeling the cool sheets against my skin. I couldn’t wait for him to come in and find me… and then ravage me.

My hand slipped between my legs and I giggled when I felt how wet I was. The pictures had really had an affect on me. My clit was eager for touch as I brushed against it. It felt so good to rub my hand over it. The hard part was stopping and waiting for Matt. I thought about the cowboy and imagined his hand between my legs and his lips on my nipples. I pinched them and moaned as my hand moved faster.

Realizing I had gone too far to turn back, I let myself go all the way and climax. I shuddered and bit my lip as my body shook against my hand. It was a sweet orgasm. Ripples and ripples of contractions deep inside, which only made me wish Matt was nearby waiting to plunge his cock deep inside of me. If he only knew what he was missing.

I dozed off into a blissful nap, and didn’t wake for over an hour. I was disappointed to find Matt hadn’t crawled in next to me. I was still feeling horny. Slipping on one of Matt’s long shirts, I cracked open the bedroom door to see if he was back. I heard the water running in the shower. That was a good sign. Maybe he was back and was freshening up before he crawled in bed with me.

I started to go back to bed and then thought about one of the naughty free pornography stories I had read in the Playgirl. This woman had wrote in about how she and her husband loved to have sex in the shower. I liked the way she described soaping him down and the way that he pressed her up against the shower wall while he fucked her.

I headed back out of the bedroom and toward the bath.

I opened the door slowly and saw the outline of his naked body behind the frosted glass door. His head was turned away from the door, distracted by the free porn online, and I slipped inside and dropped the shirt I was wearing on the floor. His back was still turned when I opened the shower door and stepped inside.

"Mind if I join you?"

"Rachel!" He stood there for a moment with the bar of soap in his hand as I slipped in behind him.

"Here," I said, taking the soap. "I’ll do you, and then you can do me." I giggled to myself as I spooned up behind him and ran the bar of soap over the front of his body.

"Oh man…" he sighed, as I ran the bar over his cock. "Wait…"

He turned around and took the bar of soap from my hand as I aided the shower in rinsing off his body.

"I’m not…"

I knelt down and nibbled at his stomach and ran my tongue down until I found his erect cock. It was much larger than I remembered. I had my lips wrapped around the head when he stopped me.

"Oh God, Rachel… wait…"

Suddenly it hit me. It wasn’t Matt.

He pulled me up by shoulders and I closed my eyes tightly.

"Please don’t tell me you’re Patrick."

"You don’t know how much I wish I could tell you I’m not."

I let out a loud squeal and turned my back to him, half laughing, totally embarrassed and pressed my face into the side of the shower. The door opened and Matt came bursting in.

"What’s going on?" He opened the shower door and waiting for an explanation.

Payday Loan Repayment Advice

Most people borrow for use on something that their normal income probably does not permit them to do: purchase furniture, a car, a home, take a vacation, make an investment, a student loan. It's all done in good faith and the lending company has even conducted a credit check to make certain you can repay the payday loan. But times change, things happen, a job is lost, a major illness strikes, or some other catastrophe arises that makes repayment of the loan impossible, or at best, extremely difficult. What to do?

Unless you take action, the consequences of failing to repay payday loan lenders can be quite unpleasant. Without going to court, they can repossess the security for the loan-for example, the car on a car loan-or, since you had to write a check in order to get the loan they may try to withdraw the funds from your account. If any debt remains, lenders can collect this by obtaining a court judgment, then using a variety of methods to execute it. These may include garnishing wages, attaching other property, or putting a lien on your home.

To prevent this from happening, you must take the initiative. Contact the payday lender as soon as you discover you are unable to continue paying to try to work out an acceptable payment plan with your creditors. If you are unable to do so, seek the assistance of a local consumer credit counseling service. This agency will work out a payment plan that limits payments to a percentage of your income. Creditors are often willing, though are not required, to accept this plan.

For payday loans online, a deferment or forbearance can sometimes be arranged. In the former, the student is not responsible for accrued interest; in the latter, interest accrues, but collection activity ceases during the agreed upon nonpayment period.

A second option is to declare bankruptcy. This is an extreme measure that you should resort to only if you have huge debts, no hope of repaying them, and the assistance of a competent attorney. Bankruptcy information will be carried in your credit bureau file for seven years.

The Fair Debt Collection Practices Act does offer some protection against abusive debt collection practices. For example, it prohibits harassment, abusive actions, using false statements, and threatening illegal collection practices. The principal limitation of this law is that it protects debtors only against collection agencies, not against attorneys acting as collection agents or against merchants seeking payment.

Defaulting on a payday advance is never a pleasant experience, but taking the right steps can make it tolerable.