Try to negotiate - unsuccessfully

"Alright...but, just my hands for now...?" You feel a little alarmed as the situation takes a sudden shift in your mind. Being naked, with your hands bound behind your back made you nervous before when you thought the cleaning lady was just a rather sexually forward woman.

You can honestly say that you'd only have positive things to say about have a pretty young woman ride your cock while you were in bondage. The fact that she'd be paying off your debt would make it even better.

As for getting a real cock shoved into your ass, that makes you hesitate. You figure you''ll at least want some time to mentally prepare yourself...

"Great!" Right after your 'alright' though, the cleaning lady cuts in with an enthusiastic reply that more or less drowns out your attempt to deescalate the situation.

Still looking a little nervous, but mostly just as eager as a teenage boy about to get pussy for the first time, she rolls up her dress in a hurry, revealing an alarmingly large cock. It's at least half-again as big as yours in each dimension, and is absolutely throbbing with the need to get off. You can even see pre-cum dripping from the tip.

"Oh right, I'm Chloe. Probably good to give you my name before...you know." She giggles nervously, but throughout that, she's using both hands to spread your legs wide and bend your knees upwards to give herself better access to your bottom.

"It's my first time, so sorry if I'm a bit awkward..." Murmuring that, she gets her large girlcock up to your defenseless asshole and starts enthusiastically, but rather clumsily probing for the entrance, smearing the area with her pre-cum in the process.

You've got time for about one sentence before she manages to find the way in...by the lustful, eager look on her face, there's a slim to none chance of an argument swaying her.