Powtórzonego Prawa 24:12 Halacha: Mishneh Torah, Negative Mitzvot & Sefer HaChinukh

Not to keep the pledge from its owner, who is a poor man, at the time when he needs it, as it is said, “…. thou shalt not lie down with his pledge” (Deut. 24:12). This means: thou shalt not go to sleep while the debtor’s pledge is with thee, but shalt return it to him at night, as he needs it at night.

Not to rob by violence, as it is said, “Nor rob” (Lev. 19:13).

To not prevent surety from its needy owner: That we have been warned not to hold back the surety from its owner at the time that he needs it, but rather to return it to him — a vessel for the day during the day, and a vessel for the night during the night. And about this is it stated (Deuteronomy 24:12), “you shall not go to sleep in his pledge.” And the language of Sifrei is “Do not go to sleep when the pledge is with you, but rather return it when he will not have with what to replace it, from the weakness of his poverty” — as the verse (Exodus 22:26) explains, “It is his only clothing, the sole covering for his skin.”