So about 4 years ago,  I decided to take the P4P plunge, and immediately met my ATF.  We had mad chemistry right from the get go, and when she increased her rate to $400, she told me that she wasn't applying it to me. So I was grandfathered at the original rate of $200, although I eventually went up to $250, because I was seeing another provider at that rate, and wasn't about to screw over my ATF.  

Most people unknowingly get the HPV virus pretty quickly after they start having sex. So it's likely you both had it when you met, you just hadn't broken out with the warts themselves yet. You also don't  get it "cleared up." HPV is forever and the warts can come back during times of stress.  So don't bother trying to get her to take the "blame."  You've already lost your ATF, so move on.

... the argument that she gave you the warts. Never.  There is no type or quantity of evidence, let alone "persuasive argument" that you can present to get her to think it's on her.  It wont happen so don't even try.  

This is not HPV Warts. It's HSV2.

...it's broken, and no amount of groveling on your part is going to get you back to how things were before...you could maybe convince yourself that you have, but her feelings regarding your patronage have been made clear and you're never going to erase it from your mind...

Gential Warts = HSV2 (Genital Herpes)  

After all she's banging other people in his presence. Most of the times I heard these stories are the spouses who give it and transfer. Unless you do uncovered with your provider.

I think this story is BS and I wish I didn't read this garbage. $200 bucks is a steal while you're popping warts on your cock. Smdh.

Otherwise, how would you know what each of them actually has?  The OP said "warts," and the usual cause is HPV.  HSV2 does not cause warts, it causes lesions or blisters, a totally different thing.

Just move on. Remember, this is a prostitute and you are a john. Nothing more nothing less.

If you only found one ATF in four years, you don’t know what you are missing! Get on with it and make 50% of your sessions with new girls! If you are active you will be picking up a new ATF every month or two! By the way get out from under the same roof as the married, cheating bitch ASAP! Good hunting!

May the farce be with you..

then go back to the wife, and with the money you save on alimony, you'll be able to afford the $300 gals.

how you resolve the he did it/she did it of the warts is something I'll leave to the greater minds on this board.

Please google "genital warts" and get yourself better informed.  - MM

If you tell your Dr to do a FULL PANEL it will tell you everything! It will even detect cancers, vitamin and mineral deficiencies, etc... Warts isn't herpes. It's Human papillomavirus.  2 different viruses all together. Both are extremely common here in the US.  
 A full panel cost more but I strongly encourage everyone in p4p to go that route. Sure get regular testing every 3 or 4 months but a FULL PANEL atleast once a year. A clear conscious is a great feeling but a clean body is priceless! 😚
XOXO  
TL

Bottom line: beware of taking medical advice from ANYONE on here, including me.  But especially from Ms. Baptiste in this case, who can tell a wart from a blister.

tell the wife, which she ever so often declares.

do you know your wife didn't give it to you? I mean really, you already said your wife is banging other people. I'm quite sure people are going to PM you to find out what provider it is. You're throwing that provider under the bus when you don't really even know it was her. Goodness.
Fyi.... The estimated incubation period from HPV infection to genital wart development is 2 weeks to 8 months, with the majority of genital warts appearing 2–3 months after an HPV infection.  
And you're positive it came from the provider? I'd be demanding the wife get tested too!  
XOXO  
TL

We both got tested after that happened.  She came up negative for everything.

Did you see the results or did she just tell you and you believed her?  Count me as a sceptic.

We both went to the same clinic and we both showed  each other our test results, which both came in the mail the same day.