EXOD687 "You shall not act towards him as a creditor" [this verse]. We have herein been admonished not to distress the borrower -- the lender should not pass before him knowing that the borrower does not have the means to pay, for he harasses him and depresses him by doing so. Our Sages, z"l, said (Bava Metzia 75b) that this is the equivalent of his sentencing him twice over, as the pasuk says: (Tehillim 66:12), "You assigned a man over our head [i.e., this is the creditor. See Rashi, Bava Metzia 75b]; we went through fire and water [i.e., sentenced twice over]. It is appropriate to be zealous and reprove those oppressors of our nation who in some places incarcerate the borrower in chains even when he is in no position to pay.