EXOD721 Collecting the money owed to him will allow the giver to lend it out again, as the Torah has intimated by [this verse]: "If you take a pledge…" following immediately after "If you lend money to my people…", the implication being, according to the Mechilta (Ibid.) that one should first give the loan and then take a pledge. (The pledge here referred to can only be exacted with the permission of the Beth Din. As pointed out in the Gemara [Bava Metzia 113b], to take a pledge without the authorization of the Beth Din is to transgress the prohibition [Deuteronomy 24:10]: "You shall not go into his house to fetch the pledge." Even to seize a pledge from the debtor in the street is forbidden, as is laid down in Choshen Mishpat, Chap. 97 [q.v.].) This refutes the illusory belief that it would be better for the lender to allow the money not to be repaid, since then he would not be obliged to bother lending it out again. The Torah teaches us proper conduct. It is better to keep claiming the money till it is recovered, and then to lend it out once more.