Not to keep the pledge from its owner, who is a poor man, at the time when he needs it

Maimonides

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.