What are the connotations of "Chavol Sachbol"?
Rashi and Rashbam: It refers specifically to a Mashkon (security) that one claims through the Shali'ach Beis-Din after the payment falls due and the debtor refuses to pay. 1
See Devarim 24:11 (Rashbam). Because the creditor does not have the authrity t forcve the debtor to give him a securitity.
Why does the Torah use the double expression "Im Chavol Sachbol"?
Rashi: Hashem says 'Your Neshamah goes up to Me every night, gives a reckoning and is deemed guilty, yet I return it to you - Take yur cue frm Me and return the security to the borrower. 1
What are the implications of "Ad Bo ha'Shemesh"?
Rashi and Rashbam: It implies that the Pasuk is referring to a day garment, which the creditor collects each night, and returns each morning. 1
Bava Metzi'a, 114: Whereas the Pasuk in Ki Seitzei, 24:13 "Ad Bo ha'Shemesh Teshivenu lo" is referring to a night-garment, which one collects each morning and returns each night. See Torah Temimah, note 207.
Why does the Pasuk here specify the time that the creditor must leave a day garment with the debtor (until nightfall) and the Pasuk in Ki Seitzei, the time that one must return a night garment (at nightfall), and not mention the time in the morning when one must return a day garment and when one may take a night garment?
Oznayim la'Torah: Because people rise at different times, and the Torah did not want to impose on the poor man a tme when he must be up and about to give or to receive his garment. 1
See Oznayim la'Torah, who explains why the Torah does not give both times in connecftion with a hired laborer.
Bearing in mind that it is the debtor who is 'subservient to the creditor', why did the Torah obligate the creditor to take and return the Mashkon each day?
Oznayim la'Torah: Refer to 22:25:2:1 and note. Because, by returning the Mashkon each day, he ensures that Hashem will return his Neshamah each morning.
