Velvet Whispers — Joan Elizabeth Lloyd

Warm, by nature cheerful, dental receptionist Alice Waterman finds herself desperately in need of money when her mother is taken seriously ill. Reluctantly she signs on with Velvet Whispers, a sophisticated phone-sex business that entertains its wealthy male clientele with naughty talk and steamy erotic tales for a hefty fee, and for the first time confronts desires and a sensuality that, she begins to realize, lies beyond talk.