Deuteronomy 24:10-13 NIV

[10] When you make a loan of any kind to your neighbor, do not go into their house to get what is offered to you as a pledge. [11] Stay outside and let the neighbor to whom you are making the loan bring the pledge out to you. [12] If the neighbor is poor, do not go to sleep with their pledge in your possession. [13] Return their cloak by sunset so that your neighbor may sleep in it. Then they will thank you, and it will be regarded as a righteous act in the sight of the LORD your God.