“There is an overdue payment under your name. Please, settle your debts ASAP” Scam

This article contains details about the “There is an overdue payment under your name. Please, settle your debts ASAP” blackmail email scam. Is your device infected or it’s just a scam?

The “There is an overdue payment under your name. Please, settle your debts ASAP” email is a scam that tries to trick you into thinking that your computer or phone is infected with malware and then threatens to make your data public. Contrary to the claims in the email, you haven’t been hacked (or at least, that’s not what prompted this email) and this is nothing more than a scam that tries to trick you into sending Bitcoins to these scammers. This is merely a new variation on an old scam which is popularly being called “sextortion”.

This is the text of the “There is an overdue payment under your name. Please, settle your debts ASAP” blackmail email, including the grammatical and spelling errors:

Subject: There is an overdue payment under your name. Please, settle your debts ASAP.

Hi!

Sadly, there are some bad news that you are about to hear.
About few months ago I have gained a full access to all devices used by you for internet browsing.
Shortly after, I started recording all internet activities done by you.

Below is the sequence of events of how that happened:
Earlier I purchased from hackers a unique access to diversified email accounts (at the moment, it is really easy to do using internet).
As you can see, I managed to log in to your email account without breaking a sweat: (XXXXXX@listserv.cuhk.edu.hk).

Within one week afterwards, I installed a Trojan virus in your Operating Systems available on all devices that you utilize for logging in your email.
To be frank, it was somewhat a very easy task (since you were kind enough to open some of links provided in your inbox emails).
I know, you may be thinking now that I’m a genius.

With help of that useful software, I am now able to gain access to all the controllers located in your devices (e.g., video camera, keyboard, microphone and others).
As result, managed to download all your photos, personal data, history of web browsing and other info to my servers without any problems.
Moreover, I now have access to all accounts in your messengers, social networks, emails, contacts list, chat history – you name it.
My Trojan virus continues refreshing its signatures in a non-stop manner (because it is operated by driver), hence it remains undetected by any antivirus software installed in your PC or device.

So, I guess now you finally understand the reason why I could never be caught until this very letter…

During the process of your personal info compilation, I could not help but notice that you are a huge admirer and regular guest of websites with adult content.
You endure a lot of pleasure while checking out porn websites, watching nasty porn movies and reaching breathtaking orgasms.
Let me be frank with you, it was really hard to resist from recording some of those naughty solo scenes with you in main role and compiling them in special videos that expose your masturbation sessions, which end with you cumming.

In case if you still have doubts, all I need is to click my mouse and all those nasty videos with you will be shared to friends, colleagues, and relatives of yours.
Moreover, nothing stops me from uploading all that hot content online, so all public can watch it too.
I sincerely hope, you would really not prefer that to happen, keeping in mind all the dirty things you like to watch, (you certainly know what I mean) it will completely ruin your reputation.

However, don’t worry, there is still a way to resolve this:
You need to carry out a $1490 USD transfer to my wallet (equivalent amount in bitcoins depending on exchange rate at the moment of funds transfer), hence upon receiving the transaction, I will proceed with deleting all the filthy videos with you in main role.
Afterwards, we can forget about this unpleasant accident. Furthermore, I guarantee that all the malicious software will also be erased from your devices and accounts.
Mark my words, I never lie.

That is a great bargain with a low price, I assure you, because I have spent a lot of effort while recording and tracking down all your activities and dirty deeds during a long period of time.
In case if you have no idea how to buy and transfer bitcoins – feel free to check the related info on the internet.

Here is my bitcoin wallet for your reference: 1K8g3n8Z9t265pMYuhpKc8jfmPS6cY7Qcr

From now on, you have only 48 hours and countdown has started once you opened this very email (in other words, 2 days).

The following list contains things you should definitely abstain from doing or even attempting:
> Abstain from trying to reply this email (since the email is generated inside your inbox alongside with return address).
> Abstain from trying to call or report to police or any other security
> services. In addition, it’s a bad idea if you want to share it with
> your friends,
hoping they would help. If I happen to find out (knowing my awesome skills, it can be done effortlessly, because I have all your devices and accounts under my control and unceasing observation) – kinky videos of yours will be share to public the same day.
> Abstain from trying to look for me – that would not lead anywhere either. Cryptocurrency transactions are absolutely anonymous and cannot be tracked.
> Abstain from reinstalling your OS on devices or throwing them away.
> That would not solve the problem as well,
since all your personal videos are already uploaded and stored at remote servers.

Things you may be confused about:
> That your funds transfer won’t be delivered to me.
Chill, I can track down any transactions right away, so upon funds transfer I will receive a notification as well, since I still control your devices (my trojan virus has ability of controlling all processes remotely, just like TeamViewer).
> That I am going to share your dirty videos after receiving money transfer from you.
Here you need to trust me, because there is absolutely no point to still bother you after receiving money.
Moreover, if I really wanted all those videos would be available to public long time ago!

I believe we can still handle this situation on fair terms!

Here is my last advice to you… in future you better ensure you stay away from this kind of situations!
My advice – don’t forget to regularly update your passwords to feel completely secure.

The above email and anything it states is just a scam to try and scare you into paying the ransom. If you have received the “There is an overdue payment under your name. Please, settle your debts ASAP” email, we recommend deleting it and under no circumstances sending any money to these cybercriminals.

Is the “There is an overdue payment under your name. Please, settle your debts ASAP” email real?

No, and don’t panic. The “There is an overdue payment under your name. Please, settle your debts ASAP” email is a scam that tries to trick you into thinking that your device or email has been hacked, then demands payment, or else they will send compromising information -such as images of you captured through your web camera or your pornographic browsing history – to all your friends and family. And in classic ransomware fashion, there’s typically a ticking clock. Giving users a short time limit to deliver the payment is social engineering at its finest.
Threats, intimidation, and high-pressure tactics are classic signs of a scam.

As you can imagine, the “There is an overdue payment under your name. Please, settle your debts ASAP” extortion email and anything it states is just a scam to try and scare you into paying the ransom.

They have my password! How did they get my password?

To make the threats more credible, the scammers may include one of your passwords in this email. The scammers have your password from sites that were hacked, and in this case, likely matched up to a database of emails and stolen passwords and sent this scam out to potentially millions of people. You can check if your email or password was compromised in a data breach on Haveibeenpwned.

If the password emailed to you is one that you still use, in any context whatsoever, stop using it and change it NOW. It’s also recommended that you enable two-factor authentication for your email and online accounts whenever that is an option.

Should I pay the ransom?

You should not pay the ransom. If you pay the ransom, you’re not only losing money but you’re encouraging the scammers to continue phishing other people.
Delete the “There is an overdue payment under your name. Please, settle your debts ASAP” email, and under no circumstances pay these cybercriminals a penny/dime/bitcoin.

What should I do now?

We recommend that you ignore the content of the “There is an overdue payment under your name. Please, settle your debts ASAP” email and delete it from your Inbox. However, if you have downloaded any attachments or clicked on any links from this email, or if you suspect that your computer might be infected with malware, you can follow the below guide to scan your device for malware and remove it for free.

Depending on which operating system is installed on the device you want to scan for malicious programs, follow the removal guide.

Scan and remove malware from Windows
To check your computer for malware and remove it from a Windows computer, follow these steps:

STEP 1: Use Malwarebytes Free to remove malware from Windows

In this first step, we will install and run a scan with Malwarebytes to remove adware, browser hijackers, and potentially unwanted programs that might be installed on your computer.

Malwarebytes Free is one of the most popular and most used anti-malware software for Windows, and for good reasons. It can destroy many types of malware that other software tends to miss, without costing you absolutely nothing. When it comes to cleaning up an infected device, Malwarebytes has always been free and we recommend it as an essential tool in the fight against malware.

  1. Download Malwarebytes Free.

    You can download Malwarebytes by clicking the link below.

    MALWAREBYTES DOWNLOAD LINK
    (The above link will open a new page from where you can download Malwarebytes)
  2. Double-click on the Malwarebytes setup file.

    When Malwarebytes has finished downloading, double-click on the MBSetup file to install Malwarebytes on your computer. In most cases, downloaded files are saved to the Downloads folder.

    Double-click on MBSetup installer to install Malwarebytes
    You may be presented with a User Account Control pop-up asking if you want to allow Malwarebytes to make changes to your device. If this happens, you should click “Yes” to continue with the Malwarebytes installation.
    Windows asking for permission to run the Malwarebytes installer

  3. Follow the on-screen prompts to install Malwarebytes.

    When the Malwarebytes installation begins, you will see the Malwarebytes setup wizard which will guide you through the installation process. The Malwarebytes installer will first ask you what type of computer are you installing this program, click either Personal Computer or Work Computer.
    Malwarebytes setup: Click on Personal Computer step 1

    On the next screen, click “Install” to install Malwarebytes on your computer.
    Malwarebytes Setup: Click on Install

    When your Malwarebytes installation completes, the program opens to the Welcome to Malwarebytes screen. Click the “Get started” button.

  4. Select “Use Malwarebytes Free”.

    After installing Malwarebytes, you’ll be prompted to select between the Free and the Premium version. The Malwarebytes Premium edition includes preventative tools like real-time scanning and ransomware protection, however, we will use the Free version to clean up the computer.
    Click on “Use Malwarebytes Free“.
    Click on Use Malwarebytes Free to continue with the install

  5. Click on “Scan”.

    To scan your computer with Malwarebytes, click on the “Scan” button. Malwarebytes will automatically update the antivirus database and start scanning your computer for malware.
    Click on Scan button

  6. Wait for the Malwarebytes scan to complete.

    Malwarebytes will scan your computer for adware and other malicious programs. This process can take a few minutes, so we suggest you do something else and periodically check on the status of the scan to see when it is finished.
    Malwarebytes scanning for malicious programs

  7. Click on “Quarantine”.

    When the scan has been completed, you will be presented with a screen showing the malware infections that Malwarebytes has detected. To remove the malicious programs that Malwarebytes has found, click on the “Quarantine” button.
    Review the malicious programs and click on Quarantine to remove There is an overdue payment under your name. Please, settle your debts ASAP

  8. Restart computer.

    Malwarebytes will now remove all the malicious files and registry keys that it has found. To complete the malware removal process, Malwarebytes may ask you to restart your computer.
    Malwarebytes requesting to restart computer to complete the There is an overdue payment under your name. Please, settle your debts ASAP removal process
    When the malware removal process is complete, you can close Malwarebytes and continue with the rest of the instructions.

STEP 2: Use HitmanPro to scan for malware and unwanted programs

In this second step, we will run a scan with HitmanPro to do a final check for any other malicious programs that may be present on your computer.

HitmanPro is a second opinion scanner that takes a unique cloud-based approach to malware scanning. HitmanPro scans the behavior of active files and also files in locations where malware normally resides for suspicious activity. If it finds a suspicious file that’s not already known, HitmanPro sends it to its clouds to be scanned by two of the best antivirus engines today, which are Bitdefender and Kaspersky.
Although HitmanPro is shareware and costs $24.95 for 1 year on 1 PC, there is no limit on scanning. The limitation only kicks in when there is a need to remove or quarantine detected malware by HitmanPro on your system and by then, you can activate the one-time 30-days trial to enable the clean up.

  1. Download HitmanPro.

    You can download HitmanPro by clicking the link below.

    HITMANPRO DOWNLOAD LINK
    (The above link will open a new web page from where you can download HitmanPro)
  2. Install HitmanPro.

    When HitmanPro has finished downloading, double-click on “hitmanpro.exe” (for 32-bit versions of Windows) or “hitmanpro_x64.exe” (for 64-bit versions of Windows) to install this program on your PC. In most cases, downloaded files are saved to the Downloads folder.
    Double-click on the HitmanPro setup file - Help Guide
    You may be presented with a User Account Control pop-up asking if you want to allow HitmanPro to make changes to your device. If this happens, you should click “Yes” to continue with the installation.
    Windows asking for permissions to run the HitmanPro setup file - Help Guide

  3. Follow the on-screen prompts.

    When HitmanPro starts you will be presented with the start screen as shown below. Click on the “Next” button to perform a system scan.

    Click Next to install HitmanPro

    HitmanPro final installer screen

  4. Wait for the HitmanPro scan to complete.

    HitmanPro will now begin to scan your computer for malicious programs. This process will take a few minutes.
    HitmanPro while scanning for malware - Help Guide

  5. Click on “Next”.

    When HitmanPro has finished the scan, it will display a list of all the malware that the program has found. Click on the “Next” button to remove the malicious programs.
    HitmanPro scan summary. Click Next to remove There is an overdue payment under your name. Please, settle your debts ASAP pop-up ads

  6. Click on “Activate free license”.

    Click on the “Activate free license” button to begin the free 30 days trial and remove all the malicious files from your PC.
    Activate the free HitmanPro license keyEnter your email to complete the HitmanPro activation - Help Guide


Your computer should now be free of the “There is an overdue payment under your name. Please, settle your debts ASAP” malware. If your current antivirus allowed this malicious program on your computer, you may want to consider purchasing the full-featured version of Malwarebytes Anti-Malware to protect against these types of threats in the future.
If you are still having problems with your computer after completing these instructions, then please follow one of the steps:

Scan and remove malware from Mac

To check your computer for malware and remove it from a Macbook or iMac, follow these steps:

STEP 1: Use Malwarebytes Free to remove malware from Mac

In this first step, we will install and run a scan with Malwarebytes to remove adware, browser hijackers, and potentially unwanted programs that might be installed on your computer.

Malwarebytes Free is one of the most popular and most used anti-malware software for Windows, and for good reasons. It can destroy many types of malware that other software tends to miss, without costing you absolutely nothing. When it comes to cleaning up an infected device, Malwarebytes has always been free and we recommend it as an essential tool in the fight against malware.

  1. Download Malwarebytes Free.

    You can download Malwarebytes for Mac by clicking the link below.

    MALWAREBYTES FOR MAC DOWNLOAD LINK
    (The above link will open a new page from where you can download Malwarebytes for Mac)
  2. Double-click on the Malwarebytes setup file.

    When Malwarebytes has finished downloading, double-click on the setup file to install Malwarebytes on your computer. In most cases, downloaded files are saved to the Downloads folder.

    Double-click on setup file to install Malwarebytes

  3. Follow the on-screen prompts to install Malwarebytes.

    When the Malwarebytes installation begins, you will see the Malwarebytes for Mac Installer which will guide you through the installation process. Click “Continue“, then keep following the prompts to continue with the installation process.

    Click Continue to install Malwarebytes for Mac

    Click again on Continue to install Malwarebytes for Mac for Mac

    Click Install to install Malwarebytes on Mac

    When your Malwarebytes installation completes, the program opens to the Welcome to Malwarebytes screen. Click the “Get started” button.

  4. Select “Personal Computer” or “Work Computer”.

    The Malwarebytes Welcome screen will first ask you what type of computer are you installing this program, click either Personal Computer or Work Computer.
    Select Personal Computer or Work Computer mac

  5. Select “Use Malwarebytes Free”.

    You’ll be then prompted to select between the Malwarebytes Free and the Premium version. The Malwarebytes Premium edition includes preventative tools like real-time scanning and ransomware protection, however, we will use the Free version to clean up the computer.
    Click on “Use Malwarebytes Free“.
    Click on Use Malwarebytes Free Mac

  6. Click on “Scan”.

    To scan your computer with Malwarebytes, click on the “Scan” button. Malwarebytes will automatically update the antivirus database and start scanning your computer for malware.
    Click on Scan button to start a system scan Mac

  7. Wait for the Malwarebytes scan to complete.

    Malwarebytes will scan your computer for pop-up ads and other malicious programs. This process can take a few minutes, so we suggest you do something else and periodically check on the status of the scan to see when it is finished.
    Wait for Malwarebytes for Mac to scan for There is an overdue payment under your name. Please, settle your debts ASAP pop-up ads

  8. Click on “Quarantine”.

    When the scan has been completed, you will be presented with a screen showing the malware infections that Malwarebytes has detected. To remove the malicious programs that Malwarebytes has found, click on the “Quarantine” button.
    Review the malicious programs and click on Quarantine There is an overdue payment under your name. Please, settle your debts ASAP pop-up ads

  9. Restart computer.

    Malwarebytes will now remove all the malicious files that it has found. To complete the malware removal process, Malwarebytes may ask you to restart your computer.
    Malwarebytes For Mac requesting to restart computer

Your computer should now be free of the “There is an overdue payment under your name. Please, settle your debts ASAP” malware. If your current antivirus allowed a malicious program on your computer, you may want to consider purchasing the full-featured version of Malwarebytes Anti-Malware to protect against these types of threats in the future.
If you are still experiencing problems while trying to a malicious program from your computer, please ask for help in our Mac Malware Removal Help & Support forum.

Scan and remove malware from Android

To check your device for malware and remove it from an Android phone or tablet, follow these steps:

STEP 1: Use Malwarebytes Free to remove malware from Android

In this first step, we will install and run a scan with Malwarebytes to remove adware, browser hijackers, and potentially unwanted programs that might be installed on your phone or tablet.

Malwarebytes Free is one of the most popular and most used anti-malware software for Windows, and for good reasons. It can destroy many types of malware that other software tends to miss, without costing you absolutely nothing. When it comes to cleaning up an infected phone, Malwarebytes has always been free and we recommend it as an essential tool in the fight against malware.

  1. Download Malwarebytes.

    You can download Malwarebytes by clicking the button below.

    MALWAREBYTES DOWNLOAD LINK
    (The above link opens a Google Play Store from where you can download Malwarebytes)
  2. Install Malwarebytes on your phone

    In the Google Play Store, tap “Install” to install Malwarebytes on your device.

    Tap Install to install Malwarebytes for Android

    When the installation process has finished, tap “Open” to begin using Malwarebytes for Android. You can also open Malwarebytes by tapping on its icon in your phone menu or home screen.
    Malwarebytes for Android - Open App

  3. Follow the on-screen prompts to complete the setup process

    When the Malwarebytes will open, you will see the Malwarebytes Setup Wizard which will guide you through a series of permissions and other setup options.
    This is the first of two screens that explain the difference between the Premium and Free versions. Swipe this screen to continue.
    Malwarebytes Setup Screen 1
    Tap on “Got it” to proceed to the next step.
    Malwarebytes Setup Screen 2
    Malwarebytes for Android will now ask for a set of permissions that are required to scan your device and protect it from malware. Tap on “Give permission” to continue.
    Malwarebytes Setup Screen 3
    Tap on “Allow” to permit Malwarebytes to access the files on your phone.
    Malwarebytes Setup Screen 4

  4. Update database and run a scan with Malwarebytes

    You will now be prompted to update the Malwarebytes database and run a full system scan.

    Malwarebytes fix issue

    Click on “Update database” to update the Malwarebytes definitions to the latest version, then click on “Run full scan” to perform a system scan.

    Update database and run Malwarebytes scan on phone

  5. Wait for the Malwarebytes scan to complete.

    Malwarebytes will now start scanning your phone for adware and other malicious apps. This process can take a few minutes, so we suggest you do something else and periodically check on the status of the scan to see when it is finished.
    Malwarebytes scanning phone for malware

  6. Click on “Remove Selected”.

    When the scan has been completed, you will be presented with a screen showing the malware infections that Malwarebytes has detected. To remove the malicious apps that Malwarebytes has found, tap on the “Remove Selected” button.
    Remove malicious apps from your phone

  7. Restart your phone.

Your computer should now be free of the “There is an overdue payment under your name. Please, settle your debts ASAP” malware. If your current antivirus allowed a malicious program on your computer, you may want to consider purchasing the full-featured version of Malwarebytes Anti-Malware to protect against these types of threats in the future.
If you are still experiencing problems while trying to remove a malicious program from your computer, please ask for help in our Mobile Malware Removal Help & Support forum.

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