Given the task definition and input, reply with output. In this task, you are given a summary for US Congressional and California state bill, your task is to generate a Title for this bill. The preferred titles are under forty words and mention the purpose of the bill.

Extends to any series of class actions arising out of the same violations by the same debt collector the current limit on the total amount of the debt collector's liability for additional damages that can be awarded to a plaintiff in the case of a successful class action to enforce liability of a noncompliant debt collector. Disallows recovery to the consumer of attorney's fees accruing after the consumer's refusal of such debt collector's settlement offer, if the amount of the final judgment awarded to the consumer is less than such offer.
Shields a debt collector from liability in the case of good faith compliance with Federal or State rules of civil procedure.
Exempts from certain debt collection disclosure requirements those mortgage servicers for which delinquent debt collection is secondary to the servicing of federally related mortgage loans secured by a first lien. Requires such mortgage servicers to furnish the debtor with certain validation statements prior to debt acceleration.
Credit Cost Reduction Act of 1999