10-13 When you make a loan of any kind to your neighbor, don’t enter his house to claim his pledge. Wait outside. Let the man to whom you made the pledge bring the pledge to you outside. And if he is destitute, don’t use his cloak as a bedroll; return it to him at nightfall so that he can sleep in his cloak and bless you. In the sight of God, your God, that will be viewed as a righteous act.