When there are such major violations of the Fair Debt Collection Practices Act and a failure to identify their company, it generally turns out to be a scam. Do NOT send these people any money because if they are not the real party in interest, paying them does not absolve of you of liability for the account. Once way to find out the identity of the company is to ask them for a mailing address so that you can mail payment. If they fail to provide you with this, that further bolsters that they are a scam.
In the event that you do determine who BCM is, I recommend speaking with a consumer protection attorney in TX because there are numerous violations here.
You may not be able to figure out who they are, but I bet a government investigator can, and in fact knows this debt collection company well. Many states have an agency that regulates debt collectors and investigates issues of misconduct. Call your state government & I will bet the friendly operator will connect you to the proper authorities to file a complain against this debt collector.
Hope this perspective helps!
My colleagues have both provided you with solid advice. I would simply add that collection agencies do not file criminal charges. The only legal action that the collector's company can take is filing a civil lawsuit against you. If they succeed with suit, then they can use legal process to enforce the final judgment. None of this activity is in the nature of criminal prosecution.
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Your description is strongly suspect for payday loan extortion scam. The FBI is actively involved. Read an early FBI press release here: http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710
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