Bankrupt consumer: The bankruptcy court must be able to examine ex officio whether contractual terms are unfair (CJEU)

In its Judgment in Case C-582/23 the Court of Justice ruled that the bankruptcy court must be able to examine ex officio whether contractual terms are unfair. That examination may be carried out irrespective of the fact that the list of claims has been approved and is binding. In Poland, an individual was declared bankrupt. The majority of the claims against him, appearing on a list drawn up by a trustee in bankruptcy, originate in a mortgage loan agreement indexed to the Swiss franc that the bankrupt had concluded 12 years previously, as a consumer. He acknowledged all those claims, the list of which was also approved by the supervisory judge. On the basis of that list, the bankruptcy court must now either draw up a plan for the repayment of the claims or make a finding that the available assets are sufficient to honour all the debts, thereby making the plan redundant. At that advanced stage of the proceedings, the bankruptcy court considers that the loan agreement co...