Proverbs 20:16

Take a man’s ¹  garment ²  when he has given security for a stranger, ³  and when he gives surety for strangers, ⁴  hold him ⁵  in pledge.

Take the garment of one who puts up security for a stranger; hold it in pledge if he does it for a wayward woman.

Take his garment when he becomes surety for a stranger; And for foreigners, hold him in pledge.

Be sure to get collateral from anyone who guarantees the debt of a stranger. Get a deposit if someone guarantees the debt of a foreigner.

Hold tight to collateral on any loan to a stranger; beware of accepting what a transient has pawned.

Take a man’s clothing if he makes himself responsible for a strange man, and get an undertaking from him who gives his word for strange men.

Take the garment of one who has given surety for a stranger; seize the pledge given as surety for foreigners.

Take the garment of one who is surety for a stranger, And hold it as a pledge when it is for a seductress.

Take a man’s ¹  garment ²  when he has given security for a stranger, ³  and when he gives surety for strangers, ⁴  hold him ⁵  in pledge.

¹ tn Heb “his garment.”

² sn Taking a garment was the way of holding someone responsible to pay debts. In fact, the garment was the article normally taken for security (Exod 22:24-26; Deut 24:10-13). Because this is a high risk security pledge (e.g., 6:1-5), the creditor is to deal more severely than when the pledge is given by the debtor for himself.

³ tc The Kethib has the masculine plural form, נָכְרִים (nakhrim), suggesting a reading “strangers.” But the Qere has the feminine form נָכְרִיָּה (nakhriyyah), “strange woman” or “another man’s wife” (e.g., 27:13). The parallelism would suggest “strangers” is the correct reading, although theories have been put forward for the interpretation of “strange woman” (see below).

sn The one for whom the pledge is taken is called “a stranger” and “foreign.” These two words do not necessarily mean that the individual or individuals are non-Israelite – just outside the community and not well known.

⁴ tn M. Dahood argues that the cloak was taken in pledge for a harlot (cf. NIV “a wayward woman”). Two sins would then be committed: taking a cloak and going to a prostitute (“To Pawn One’s Cloak,” Bib 42 [1961]: 359-66; also Snijders, “The Meaning of זָר,” 85-86). In the MT the almost identical proverb in 27:13 has a feminine singular form here.

⁵ tn Or “hold it” (so NIV, NCV).