<b>If thou at all take thy neighbor’s garment to pledge (Exod. 22:25).</b> The Holy One, blessed be He, declared: How guilty are your sins before Me, yet I have been patient with you. And though your soul ascends unto Me at twilight each day to render an accounting and is found guilty,<sup class="footnote-marker">27</sup><i class="footnote">There is a tradition that the soul ascends to heaven while the body is sleeping.</i> nevertheless I return the soul to you. Just as you are obligated to me, so also are you obligated to them (the poor). <i>If thou at all take thy neighbor’s garment to pledge, thou shalt restore it to him by that the sun goeth down; for that may be his only covering</i> (Exod. 22:25). You have one thing that belongs to Me, and therefore, if you take your neighbor’s garment to pledge, and do not return his pledge to him, I will not return your soul to you. Scripture says of this: <i>Takest thy neighbor’s garment. And it shall come to pass, when he crieth unto Me that I will hear; for I am gracious</i> (ibid., v. 26). If anyone complains to Me of injustice, saying: “Master of the Universe, I am a man and he is a man, yet he sleeps on his bed, but where can I sleep?” I will listen to him for I am gracious. The Holy One, blessed be He, said: I pay attention to the complaints of the lonely ones in this world, but in the day to come, <i>It shall come to pass, that before they call, I will answer</i> (Isa. 56:4). The prophet also said: <i>For, O people that dwelleth in Zion at Jerusalem, thou shalt weep no more</i> (ibid. 30:19).