Deuteronomy 24:12
And if the man be poor, you shall not sleep with his pledge:
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EXPOSITORY (ENGLISH BIBLE)
24:5-13 It is of great consequence that love be kept up between husband and wife; that they carefully avoid every thing which might make them strange one to another. Man-stealing was a capital crime, which could not be settled, as other thefts, by restitution. The laws concerning leprosy must be carefully observed. Thus all who feel their consciences under guilt and wrath, must not cover it, or endeavour to shake off their convictions; but by repentance, and prayer, and humble confession, take the way to peace and pardon. Some orders are given about pledges for money lent. This teaches us to consult the comfort and subsistence of others, as much as our own advantage. Let the poor debtor sleep in his own raiment, and praise God for thy kindness to him. Poor debtors ought to feel more than commonly they do, the goodness of creditors who do not take all the advantage of the law against them, nor should this ever be looked upon as weakness.Compare Exodus 22:25-27.10-13. When thou dost lend thy brother anything, thou shalt not go into his house to fetch his pledge—The course recommended was, in kind and considerate regard, to spare the borrower's feelings. In the case of a poor man who had pledged his cloak, it was to be restored before night, as the poor in Eastern countries have commonly no other covering for wrapping themselves in when they go to sleep than the garment they have worn during the day. But restore it before night, which intimates that he should take no such thing for pledge, without which a man cannot sleep, since it were an idle thing to fetch it and carry it every day. See Poole "Exodus 22:26,27". 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.

And if the man be poor, thou shalt not sleep with his pledge:
EXEGETICAL (ORIGINAL LANGUAGES)
Various Prohibitions. - Deuteronomy 24:6. "No man shall take in pledge the handmill and millstone, for he (who does this) is pawning life." רחים, the handmill; רכב, lit., the runner, i.e., the upper millstone. Neither the whole mill nor the upper millstone was to be asked for as a pledge, by which the mill would be rendered useless, since the handmill was indispensable for preparing the daily food for the house; so that whoever took them away injured life itself, by withdrawing what was indispensable to the preservation of life. The mill is mentioned as one specimen of articles of this kind, like the clothing in Exodus 22:25-26, which served the poor man as bed-clothes also. Breaches of this commandment are reproved in Amos 2:8; Job 22:6; Proverbs 20:16; Proverbs 22:27; Proverbs 27:13.
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