Halakhah su Deuteronomio 24:13

He prohibited us from taking collateral from borrowers into our hands except by the order of the judge and through his messenger; and that we not come, ourselves, into the debtor's house and take [something] as collateral. And that is His saying, "you must not enter his house to seize his pledge" (Deuteronomy 24:10). And the language of the Mishnah (Bava Metzia 113a) is, "One who lends money to another may take collateral only by means of the court. And he may not enter his house to take his collateral, as it is stated, 'You shall stand outside' (Deuteronomy 24:11)." And it is a negative commandment that is rectified by a positive commandment. And that is His saying, "You must surely return the pledge to him" (Deuteronomy 24:13). And so is it explained at the end of Tractate Makkot (Makkot 16a). And know that if he does not return it and does not fulfill the positive commandment in it, he is liable for lashes and pays the money of the collateral - as it is explained at the end of Makkot. And the regulations of this commandment have already been explained in the ninth [chapter] of [Bava] Metzia. (See Parashat Ki Teitzeh; Mishneh Torah, Creditor and Debtor 3.)

To return the surety to the owners at the time that he needs it: That we were commanded to return the surety to its Israelite owners at the time that it will be needed by him; meaning to say that if the surety is something that a person needs during the day - for example, the tool for his work - he should return it to him during the day, and the borrower brings it back to him during the night, and if it is a vessel that he needs during the night - for example, bedding or a blanket - he should return it to him during the night, and the borrower brings it back to the creditor during the day. And the language of Mekhilta, Mishpatim 186 is "'You must return it to him before the sun sets' (Exodus 22:25) - this is the clothing of the day, that you must return it to him [the whole day. That you must return the clothing of the night] for the whole night, from where [do I know it]? [Hence] we learn to say, 'You must surely return the pledge to him at sundown' (Deuteronomy 24:13). From here they said, we take the clothing of the day for surety during the night and the clothing of the night during the day." And the proof that this is from the count of positive commandments is that which they, may their memory be blessed, said in the Gemara in Makkot 16a that the negative commandment of "you must not enter his house to seize his pledge," is a negative commandment that is rectified by a positive commandment - and [that] positive commandment is "You must surely return."