A shocking surprise

As she hears the front door click shut, Zoe calls out to Matt.

"Hey babe, I'm in here!" She shouts, remaining in the tub.

A small part of her hopes that if he comes into the bathroom and sees her lying naked in the bathtub, that same primal urge that used to lead him to fuck her like an animal will return. Her mind is taken away from this when she notices something unusual. She swears she can hear three distinct sets of footsteps approaching the bathroom. In fact, she's certain of it. Perhaps Matt brought some of his friends home for whatever reason, but then why were they walking straight towards the bathroom. Her heart begins racing as the footsteps approach, culminating with an audible gasp when the bathroom door clicks open.

The door slowly opens inwards, finally revealing exactly who is standing on the other side. Zoe squeals as she sees three muscular black men standing in the doorway.

"Ahh! Who the fuck are you?!" She exclaims, instinctively sliding to the corner of the tub to be as far from the intruders as possible.

The men step into the bathroom, one of them taking the lead and stepping forward before speaking.

"Whoa, whoa, whoa. Calm down, we're not here to hurt you." The man says, ushering her to quiet herself with his hands.

Whilst he has a slightly more friendly demeanour about him, the other two men remain stone-cold serious standing behind him.

"You can take whatever you want, just please don't hurt me." Zoe pleads, terrified.

"Like I just said, that's not what we're here for. Why don't we start with some introductions. My name is Vic, what's your name." The man says, his voice deep and gruff but surprisingly friendly in tone.

Zoe stares at him a moment, still afraid, but confused by his friendly demeanour.

"Zoe, my name is Zoe." She blabbers anxiously.

"Well Zoe, it's nice to meet you." Vic responds, continues his politeness.

As Zoe finds the interaction more and more like a civilised conversation, she becomes very aware of her current lack of clothing. She brings her arms to her chest, covering her breasts as best she can from the strangers in her bathroom. They don't seem to care about her current indecent state.

"You see, Zoe, we're here because of your boyfriend, Matt." Vic continues.

"What happened to Matt? Is he ok?" Zoe asks, panicked now.

"Yes yes, he's ok for the moment. You see, he's landed himself in quite a bit of debt to the organisation that we work for." Vic explains.

"Debt? He doesn't have any debts. What do you mean?" Zoe asks, confused.

"I'm afraid he does, and a rather large one at that. You see, Matt has been a regular customer at some of our fine establishments, and over the course of his time there he's lost a sizeable amount of money, much of which is still owed to our organisation." Vic contniues explaining.

"What? No. You're talking about gambling? Matt isn't a gambler." Zoe responds, in denial.

"I see he's been keeping all this a secret from you. It's often the case. I'm sorry to be the one to break it to you, but Matt has lied to you. By all meanings of the term, Matt is a gambling addict, and a rather lousy one at that." Vic says bluntly.

Zoe goes silent as she goes from denial to disbelief. What this stranger was saying couldn't be true. Matt wouldn't do that. If it were true, that would have to mean that every night he's spent out with his 'friends' was a carefully crafted lie. There was no way that it could be true. As her mind struggles to comprehend the reality of the situation, she thinks about why these strange men would be here, standing in her bathroom, if it weren't the truth. She recalls hearing the familiar jingle of Matt's keys when they entered, meaning at the very least that they really did know him.

"I can tell you're struggling to accept things for what they are, but I'm on something of a schedule here. You see, the reason we've come here and disturbed your nice little evening, is because we need to collect some collateral for his debt. Now I hope you'll understand that we can't leave you wandering around your apartment whilst we do this and potentially calling the cops or getting any other stupid ideas, so you're gonna need to join us whilst we search through Matt's belongings. Just so we can keep a close eye on you." Vic explains, his eyes running along her body as he says that last part.

Zoe stares back at him with a blank expression, still in shock at the whole situation. In the back of her mind, she's slowly running through every time Matt has returned from a night out smelling of alcohol and in varying degrees of a bad mood.

"Come along now Zoe, I'd rather you didn't test our patience. Whilst I tend to be able to keep a cool head, I can't speak for my associates here." Vic says, motioning to the other two men who have remained silent throughout this interaction.

"Umm... ok. Do you mind if I just... get changed?" Zoe asks nervously, looking down at her nude form, thankfully mostly concealed for the moment thanks to her arms and the bubbles.

"I'm afraid we don't have time for that, you'll just have to use that towel on your head." Vic says, stepping back to give her space to get out of the tub.

"But..." Zoe starts, before realising it's probably best not to argue.

"Ok fine, can you at least turn around whilst I get out?" She asks.

"I'm afraid for our own safety, we won't be turning our backs on you." Vic answers bluntly.

Zoe looks back at him, wanting to argue. However, she looks each of the three men up and down, her eyes running over their large bodies, each of them practically three times her size and built of muscle. She feels a strange sensation down below as she looks at them, which she puts down to an unusual fear response given the situation she's found herself in.

Pushing that feeling aside, she decides it's best not to test their patience. She awkwardly stands up out of the water, her body fully on display to the three strangers for a moment before she can swiftly wrap a towel around herself. The men do little to hide the fact that their eyes wander down, taking in every inch of her exposed form before she's able to cover herself up.

"Ok, let's go then. We'll start in the bedroom." Vic says, stepping to the side and motioning for Zoe to lead the way.

She hesitantly walks through the narrow gap left between the three large men, her heart racing as she brushes up against them. The faster this ordeal was over, the better.