before the creditor initiates proceedings in a Member State against the debtor on the substance of the matter, or at any stage during such proceedings up until the issuing of the judgment or the approval or conclusion of a court settlement;
sula dtionscnaíonn an creidiúnaí imeachtaí i mBallstát i gcoinne an fhéichiúnaí maidir le substaint an ábhair, nó ag aon chéim le linn imeachtaí den sórt sin go dtí go n-eisítear an breithiúnas nó go dtí go ndéantar socraíocht chúirte a fhormheas nó a thabhairt chun críche;