"do not enter his house": I might think that he could not take a pledge from inside (his house), but that he may do so from (the debtor's possessions) outside; it is, therefore, written (Ibid. 11) "and the man who is indebted to you shall bring out to you the pledge outside. I might think that he could enter inside (and wait for the debtor to give him the pledge); it is, therefore, written "Outside shall you stand."
"Outside shall you stand and the man" includes the messenger of beth-din.
(Devarim 24:12) "And if he is a poor man, you shall not lie down with his pledge." This tells me only of a poor man. Whence do I derive (the same for) a rich man? From "And if a man" (— any man). If so, why is it written "poor"? I hasten to exact payment for (such abuse of) a poor man more than for that of a rich man.