Commentary for Deuteronomy 24:13

כבוא השמש [THOU SHALT RESTORE HIM THE PLEDGE] WHEN THE SUN GOETH DOWN — if it be a night garment; whilst if it be a garment worn during the day restore it to him in the morning. This, indeed, has already been written in the section beginning with the words ואלה המשפטים (Exodus 22:25) “Restore it unto him till the going down of the sun” which means: restore it unto him for the whole day and at nightfall you may take it again [till the daybreak of the next morning] (Bava Metzia 114b; cf. Rashi on Exodus 22.25.2 and Note thereon).

ולך יהיה צדקה, ”and it shall be accounted as a righteous act for you;” if you restore the pledge to that debtor. If after thirty days of your doing this the debtor still has not paid up, the court will sell it and give the proceeds to the creditor. If it was sold for more than what was owed, the surplus is given back to the debtor. (Talmud, tractate Baba Metzia, folio 114a).