RobH_en_tn/deu/24/12.md

General Information:

Moses speaks to the Israelites as if they were one man, so the words "you" and "your" here are singular. (See: rc://en/ta/man/translate/figs-you)

you must not lie down to sleep with his pledge in your possession

"you must not keep his coat overnight" or "you must return his pledge before you lie down to sleep"

his pledge

This refers to what he has promised that he would give you if he did not pay back the loan. See how you translated this in Deuteronomy 24:10.