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11 You must wait outside while he goes in and brings it out to you. 12 If your neighbor is poor and gives you his cloak as security for a loan, do not keep the cloak overnight. 13 Return the cloak to its owner by sunset so he can stay warm through the night and bless you, and the Lord your God will count you as righteous.

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11 Stay outside and let the neighbor to whom you are making the loan bring the pledge out to you. 12 If the neighbor is poor, do not go to sleep with their pledge(A) in your possession. 13 Return their cloak by sunset(B) so that your neighbor may sleep in it.(C) Then they will thank you, and it will be regarded as a righteous act in the sight of the Lord your God.(D)

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