The Lord taught Israel,
“If you ever take your neighbor’s garment as a pledge, you shall return it to him before the sun goes down. For that is his only covering, it is his garment for his skin. What will he sleep in? And it will be that when he cries to Me, I will hear, for I am gracious” (Exodus 22:26-27).
Situations arise where one person owes another person, but the creditor should have compasion and not get caught up in what is owed him.