“When you make a loan of any kind to your neighbor, you shall not go into his house to take the pledge. You shall wait outside, while the person to whom you are making the loan brings the pledge out to you. If the person is poor, you shall not sleep in the garment given you as the pledge. You shall give the pledge back by sunset, so that your neighbor may sleep in the cloak and bless you. It will be to your credit before Yahweh your God.”
Do not humiliate poor people when you lend them money. Let them bring the pledge collateral to you. Let them keep their cloak if they are poor. There is a certain sensitivity to poor people that we all need.