Being out of a job for more than a year, 24 years old Mikey had no idea how he would get his life back on track. He spent his days lying on his bed and jerking off or trying to find a girl on Tinder for a hookup. Desperate to lose his virginity he would have settled for anyone but he never got lucky. The same was true for his job hunt too. He was only invited to five interviews even though he sent out his resume to hundreds of companies. The only problem was that it was not particularly impressive. And if that wasn't enough the first round was usually a phone interview that almost always ended without any further contact. He was not a motivated person to begin with but this situation started to make him even more depressed. He barely had any money left so he had to find an alternative source of income.

The people who gave him the loan were very mysterious. He found them on an internet forum after failing to get any money from an actual bank given his unstable financial situation. Their terms were too good to be true. Mikey was suspicious but he had no other choice then to accept their offer. He got a large sum of money that could get him through a whole year even. After getting the loan in June he was supposed to pay it back by next May. He only had to pay a small interest within the next two years. He figured that he can get a job by the end of the year then start saving up and easily pay back all of it along with the extra. But May came and he was still unemployed.

Mikey was lying in his bed and watching porn as usual on a Wednesday afternoon when he heard a loud knock on his door. He had no idea who it could be as he never had any guests. His parents lived too far away, he didn't have any real friends and it's not like he had a girlfriend. He definitely wasn't accepting anyone. Whoever was there knocked again so Mikey put on a pair of shorts and a t-shirt and went to open the door. To his surprise he got not one but three visitors. A well-dressed man who looked Middle Eastern, a large Black man and a young Black woman.

"Good afternoon Mikey" said the middle eastern man in a casual voice as if they had known each other for years. Mikey must have looked confused as the man quickly added "We are the representatives of the company who gave you the loan last June. I hope you remember."

"Oh, hi! What a surprise..." Mikey got a little scared. He knew the deadline was coming up but he never considered that people might actually come and visit him.

"You do look surprised Mikey. But I'm sure you know that the deadline for you to pay has already passed."

"Yes, I know. I'm sorry about that. Could I get a little more time, please? I'm still looking for a job, I promise I'll pay you back as soon as I can."

"We'll see what we can do. Can we go inside to discuss your future?"

"Yes, sure, I'm sorry. Come in, please."

The three unwanted visitors entered his apartment and Mikey ushered them into his living room. They all sat down by a small table. It was a small apartment with a living room and an adjacent kitchen area. A tiny bathroom opened from beside the kitchen and a bedroom from the opposite side. Everything seemed a little rundown, as if no one has cleaned the place in a long time. Mikey did not have many possessions either. An old TV and his laptop were probably the most valuable items there.

"Let me introduce myself." said the man as they were all seated "My name is Mr. Hassan and these are my colleagues, Lenny and Keisha." Mikey took a good look at all three. Mr. Hassan was handsome and obviously the one in charge. He sounded charming and confident at the same time, qualities that he himself lacked. Lenny was large, not only tall but extremely muscular. His face was cold and emotionless. Maybe a little bored. He looked menacing nonetheless. Keisha seemed equally serious but she was very pretty. She had a nice body and a beautiful face. She had a black bag with her as well. If Mikey had to guess the men were in their thirties while the girl was in her mid-twenties.

"So, let's talk about your options here, Mikey." said Mr. Hassan "And basically you have two. You either pay us now or we'll have to get our money in a different way."

"I'm sorry Mr. Hassan, but I do not have your money. I know I am supposed to pay you now but there is nothing I can do about it. Please give me just a little more time I'll get your money I promise."

"I'm afraid we'll have to find another way you can pay us back then. Take off your clothes."

"Excuse me?!"

"You heard me. Take off all your clothes or we'll have to resort to violence. And that would be very unfortunate."

With that, Lenny stood up and cleared his throat and that was enough to convince Mikey to do what the man told him. He took off his clothes and threw them on a chair.

"Good. Now let's go to the bedroom." Mr. Hassan commanded. Once in the bedroom he ordered Mikey to lie down on her back. Keisha then opened her bag and took out cuffs with which she bound him to the bedposts. He was completely unable to move. Once they made sure he couldn't get away Mr. Hassan sat down next to him.

"Let me explain how you are going to pay Mikey, but I'm afraid you won't like it." At this point Mikey was sure they were going to rape him and started to prepare himself mentally. "Keisha is going to remove your balls which we will sell and that will settle your debt."

"What?! My balls?! I don't understand." Mikey wasn't sure he understood correctly.

"Yes, Mikey. Your balls. She is going to cut open your scrotum, snip your balls and that's it. Of course we'll use an anesthetic so it won't hurt so don't worry." Keisha was preparing in the meantime but Mikey only noticed it when she injected his groin with something.

"It'll take around five minutes." She said and then started taking more stuff out of her bag.

"Please, no. Why do you need my balls?"

"That's none of your business." Mr. Hassan said. "Let's just say we have our ways to convert them to money."

"But I can get your money, I promise."

"It's too late now. We can't wait forever. And you are still unemployed, you said it yourself."

"That's true, but I can get your money. I'll do anything. How am I supposed to live without my balls?"

"I guess I can explain while we are waiting. It's going to be a little different for sure. No balls means no more sex. Your libido will completely go away and your penis won't get erect. It might even shrink a little." Mikey was devastated. He was never even going to loose his virginity.

"It's time." Keisha announced. Mikey watched in horror as she cut his sack open. She took out one ball and snipped it free. Then she repeated the procedure with the other testicle before tying everything up and closing the wound. She then injected Mikey again and he passed out. When he woke up he was untied and alone. At first he though it was all a dream but quickly realized that his balls were indeed gone.

Years have passed since and Mikey is still technically unemployed. He is deeply depressed now and has little motivation left to do anything. He now sells his body to men to earn money. And at least he is successful in that. Without his balls he makes a perfect sissy bottom. But now at least he has sex regularly.