What are the connotations of "Chavol Sachbol"?
Rashi and Rashbam: It refers specifically to a Mashkon (security) that one claims via Beis-Din 1 after the payment falls due and the debtor refuses to pay.
Why does the Pasuk use the double expression "Im Chavol Sachbol"?
Rashi: Your Neshamah goes up to Me every single night, gives a reckoning and is deemed guilty, yet I return it to you - also you should do so! 1
What kind of garment is the Pasuk referring to?
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 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 Trah obligate the creditor to taake and return the Mashkon each day?
Oznayim la'Torah: Refer to 22:25:2:1 and note. Because, by returning the Mashkon each dasy, he ensures that Hashem will return his Neshamah each morning.