Broadens prescriptions governing debtor's civil liability to include a series of class actions arising out of the same violations by the same debt collector.
Disallows recovery of legal fees that accrue after the date of a consumer's refusal of a debt collector's settlement offer which is greater than or equal to the final judgment award (including participants in a class action or series of class actions).
Requires the court to consider the amount of actual damages awarded when it determines the amount of liability.
Declares that a debt collector shall not be liable if the preponderance of the evidence shows that the violation resulted from good faith compliance with either Federal or State rules of civil procedure, or with a non-judicial foreclosure proceeding.