When you lend money to people, you are allowed to keep something of theirs as a guarantee that the money will be paid back. But you must not go into their house to get it.
To guarantee payment of a debt, you have taken clothes from the poor.
Before sunset you must return any coat taken as security for a loan,
because that is the only cover the poor have when they sleep at night. I am a merciful God, and when they call out to me, I will come to help them.
Instead, be kind and lend them what they need.
Wait outside, and they will bring out the item you have agreed on.