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DEUTERONOMY — 24:12 poor

DEUT1364 The Rabbis taught: "And if he is a poor man, you shall not lie down with his pledge." Is the implication, then, that if he is a rich man you may lie down [with his pledge, i.e., sleep in it for the night? Is this not equivalent to the taking of interest]? The intent is, rather: If he is a poor man [who needs the pledge for the night]: "You shall not lie down with his pledge" with you [i.e., in your possession]; but if he is a rich man, you may lay down with his pledge in your possession (Bava Metzia 114b)

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DEUTERONOMY — 24:13 collateral

DEUT1369 Return collateral when the owner needs it back. Hashem wants only good for His creations, and He wants to give them opportunities to earn merit. He wants them to accustom themselves to merciful and charitable behavior, so that they earn merit and deserve His blessings. Such is the intent behind many Torah commandments. See [[EXOD709]] Exodus 22:24 lend CHINUCH 43-4

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DEUTERONOMY — 24:13 restore

DEUT1370 It is a positive commandment to give a pledged (pawned) object back to its owner at the time that he needs it as Scripture says, you shall surely restore to him the pledge [this verse]. It is all one whether a person takes an object in pledge (pawn) from his fellow-man through the court or he takes it with his own hand (directly), by force or with the borrower's consent -- he has this duty, and he is to return him a pillow at night; and tools with which he does his work, work clothes that he wears in the daytime, he has to return him by day for the entire day.

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