DEUT1356 If one person lent money to another to be repaid on a certain date, and the lender took no pledge, and the debt fell due and the debtor was delinquent, then the lender is forbidden to enter the borrower's house and seize a pledge. The Torah has warned: [this verse]. Whether the lender snatched the pledge by force or the borrower stood silently by without protesting, or else was away from his home at the time, the lender violates a negative commandment, since he took the pledge on his own. Even if he keeps pestering there till the debtor finally gives him the pledge of his own volition, the transgression is committed. Instead, the creditor must remain outside and the debtor must bring the pledge to him. So Scripture orders [Ibid. v. 11]. Not only to enter the debtor's house, but even to encounter him in the street and there to seize a pledge from him by force, is prohibited, unless the borrower gives the pledge of his own volition.