15 U.S.C. § 1692k : US Code - Section 1692K: Civil liability

    (a) Amount of damages
      Except as otherwise provided by this section, any debt collector
    who fails to comply with any provision of this subchapter with
    respect to any person is liable to such person in an amount equal
    to the sum of - 
        (1) any actual damage sustained by such person as a result of
      such failure;
        (2)(A) in the case of any action by an individual, such
      additional damages as the court may allow, but not exceeding
      $1,000; or
        (B) in the case of a class action, (i) such amount for each
      named plaintiff as could be recovered under subparagraph (A), and
      (ii) such amount as the court may allow for all other class
      members, without regard to a minimum individual recovery, not to
      exceed the lesser of $500,000 or 1 per centum of the net worth of
      the debt collector; and
        (3) in the case of any successful action to enforce the
      foregoing liability, the costs of the action, together with a
      reasonable attorney's fee as determined by the court. On a
      finding by the court that an action under this section was
      brought in bad faith and for the purpose of harassment, the court
      may award to the defendant attorney's fees reasonable in relation
      to the work expended and costs.
    (b) Factors considered by court
      In determining the amount of liability in any action under
    subsection (a) of this section, the court shall consider, among
    other relevant factors - 
        (1) in any individual action under subsection (a)(2)(A) of this
      section, the frequency and persistence of noncompliance by the
      debt collector, the nature of such noncompliance, and the extent
      to which such noncompliance was intentional; or
        (2) in any class action under subsection (a)(2)(B) of this
      section, the frequency and persistence of noncompliance by the
      debt collector, the nature of such noncompliance, the resources
      of the debt collector, the number of persons adversely affected,
      and the extent to which the debt collector's noncompliance was
      intentional.
    (c) Intent
      A debt collector may not be held liable in any action brought
    under this subchapter if the debt collector shows by a
    preponderance of evidence that the violation was not intentional
    and resulted from a bona fide error notwithstanding the maintenance
    of procedures reasonably adapted to avoid any such error.
    (d) Jurisdiction
      An action to enforce any liability created by this subchapter may
    be brought in any appropriate United States district court without
    regard to the amount in controversy, or in any other court of
    competent jurisdiction, within one year from the date on which the
    violation occurs.
    (e) Advisory opinions of Bureau
      No provision of this section imposing any liability shall apply
    to any act done or omitted in good faith in conformity with any
    advisory opinion of the Bureau, notwithstanding that after such act
    or omission has occurred, such opinion is amended, rescinded, or
    determined by judicial or other authority to be invalid for any
    reason.