Key legal question
Whether the creditor's written submission had to be communicated to the debtor under the right to be heard/right of reply.
Extracted holding
Yes. Any submission filed with the court must be communicated to the opposing party so that it can decide whether to respond, regardless of the submission's label or apparent relevance.
Extracted reasoning
The right to be heard includes a right to reply to every court filing. Access to the file does not replace formal communication of the submission. Since communication of the creditor's reply was not established, the procedural violation was decisive.