Case C-303/20: Judgment of the Court (Sixth Chamber) of 10 June 2021 (request for a preliminary ruling from the Sąd Rejonowy w Opatowie — Poland) — Ultimo Portfolio Investment (Luxembourg) SA v KM (Reference for a preliminary ruling — Credit agreements for consumers — Directive 2008/48/EC — Risk of over-indebtedness — Article 8 — Creditor’s obligation to assess the consumer’s creditworthiness — Article 23 — Effective, proportionate and dissuasive nature of the penalty in the event of infringement of that obligation)