They have been collecting money from me saying I had a loan back in '06 I am a recovering addict so its apart of my program to make my financial admends but I'm not even making enough money to pay who are these people?? Is this a scam!!

THIS IS A SCAM. BCN INCORPORATED IS A SCAM. GOLDMAN AND ASSOCIATES IS NOT A REAL LAW FIRM THEY ARE NOT REPRESENTED BY AN ATTORNEY. ASK FOR A STATE BAR NUMBER AND VERIFY WITH THE BAR.

Please do file reports with the FBI, your state attorney general and Department Of Justice,FTC & FCC..

http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/#&panel1-1
https://esupport.fcc.gov/ccmsforms/form1088.action
http://www.consumerfinance.gov/complaint/

Also read up on the laws and your rights:

http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection

And see:

http://800notes.com/forum/ta-86217073a9c8dad/ ... 077595690349410
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http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
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http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm

They was just about to get me for 600 cancel card

Well lets see now I offically have 3 different number and 3 different names for this awesome company.  They called me a day after another company called about the same "HSBC" account.  They told me I owed a "loan" with them and if I didn't pay they had already sent someone out ot my work to serve me with papers.  I freaked out because the same thing happened the day before.  I was already sick from the previous day thinking I forgot to pay something when I was younger.  I had not ran my credit report in about 2 years, but i was almost positive I had paid off any outstanding debts but my hospital bills.  I of course didn't question and didn't know my rights until now.  I paid them a "good faith" payment on of course a pre-paid credit card of $50.00.  I had again being stupid and scared paid the company for the same thing the day before $400.00 so I literally had given them all the money I had left to live on until I got paid again.  Well after I finally came to my senses I started doing some research and learned about my federal rights.  Everything they did and said was illigal.  They can not threaten you and can not take you to court and garnish your wadges.  Also these are not "federal charges" like they said they are civil.  Well since I cancelled all my cards and closed my checking account I received a call today from now the National Attorney Association who is not a debt collector or a law office per the chic I spoke with they are a summons division on which she could not tell me who for.  Either way neither Brunson and Associates exists which they originally called me 207-221-0843 from Portland ME, then when they send me their email letter, again illigal for any debt collector to notify you by email it has to be in written form through the mail and you have 30 days to dispute or pay it before they can do anything, the letter states BCN Inc and CT Finanacial with number 919-533-4775.  It says all payment will be processed through BCN in, ORS, RAA or CT Financial.  I mean really none of these companies even exist.  All phone numbers are reported as fraud if you google them and even have other scams that don't even include debt collection tied to the phone numbers they use.  I would suggest reporting them to your Attorney General's office, Local FBI and the FTC.  That is what I did and I just keep updating the FTC case on-line with every knew number call me from.