EXOD686 It is a negative commandment not to demand of a borrower to pay his debt when one knows that he has not the means to pay as Scripture says, You shall not be to him as a collector [this verse]. It is forbidden for the lender to pass by before the borrower when he knows that the other has not the means to pay, so that he should not put him to shame. Yet just as a lender is forbidden to make demands, so is the borrower forbidden to suppress the money due his fellow man, to tell him, "Go and come back," when he has it. This is a prohibition from the words of the later parts of Scripture; for it states, Do not say to your fellow, "Go and come again, and tomorrow I will give"--when you have it with you (Mishley 3:28). It is likewise forbidden for the borrower to spend the borrowed money needlessly until he is unable to pay it; he is called wicked, as Scripture says, The wicked man borrows and does not pay (T'hillim 37:21).