Key legal question
Whether the debtor's right to be heard was violated in the first-instance debt-enforcement proceedings
Extracted holding
The first-instance court failed to allow the debtor to comment on the creditor's later submission, so a hearing violation occurred at that stage; however, the complaint did not validly show a separate hearing violation before the cantonal appellate court because the alleged defect could be cured there.
Extracted reasoning
A party must be given a concrete opportunity to reply to any submission. The complaint did not meet the strict substantiation requirements for constitutional claims and did not show why curing the defect on appeal was impossible.