When you make any type of loan to your neighbor, don't enter their house to receive the collateral.
You must wait outside. The person to whom you are lending will bring the collateral to you out there.
Moreover, if the person is poor, you are not allowed to sleep in their pawned coat.
Instead, be certain to give the pawned coat back by sunset so they can sleep in their own coat. They will bless you, and you will be considered righteous before the LORD your God.