Apparently it is a collection agency that acts as though they are a law firm.  When I asked who the name of the law firm is, they said BMG LAW...it's a bogus firm name...googled BMG, and there are only 3-firms in the US with this name, and they do not handle any collection issues.  No law firms in California with this name.

They are a collection agency...wondering if they are breaking the law by acting as though they are law firms.