Deuteronomy 24:12

12 If the neighbor is poor, do not go to sleep with their pledge in your possession.

Read Deuteronomy 24:12 Using Other Translations

And if the man be poor, thou shalt not sleep with his pledge:
And if he is a poor man, you shall not sleep in his pledge.
If your neighbor is poor and gives you his cloak as security for a loan, do not keep the cloak overnight.

What does Deuteronomy 24:12 mean?

John Gill's Exposition of the Bible
Deuteronomy 24:12

And if the man [be] poor
Which may be thought to be the case of everyone that gives pledges for a debt he owes, or a sum of money he borrows; yet there might be a difference: some might be so very destitute of goods and raiment in their houses, that whatever they parted with was distressing to them, and they could not well do without it:

thou shalt not sleep with his pledge;
nor keep it a night; but deliver it to him, before he went to bed, and laid himself down to sleep.

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