46Those means must include provisions enabling consumers to be guaranteed effective judicial protection by making it possible for them to bring legal proceedings against the disputed contract including in the insolvency proceedings and under reasonable procedural conditions so that the exercise of their rights is not subject to conditions, in particular time limits or costs which make it excessively difficult or impossible to exercise the rights guaranteed by Directive 93/13 (see, to that effect, judgment of 1 October 2015 in ERSTE Bank Hungary, C‑32/14, EU:C:2015:637, paragraph 59).
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