Proverbs 27:13

Take his garment that is surety for a stranger, and take a pledge of him for a strange woman.

Proverbs 27:13 (KJV)

Context

Proverbs is a book of wisdom in the Old Testament. It gives practical guidance for daily life, including work, relationships, and money. This verse warns about the danger of becoming responsible for another person’s debt. The same warning appears in Proverbs 20:16, showing that this lesson was important enough to repeat.

Meaning

In ancient times, a garment was valuable. It could be used as a pledge, or security, for a loan. If someone promised to pay a debt for a stranger or for a strange woman, the wise response was to take that person’s garment as a guarantee. This action held the surety, the one who promised to pay, accountable for the debt.

The verse teaches caution. Do not quickly promise to cover someone else’s debts, especially when you do not know them well. Such a promise can lead to serious loss. Taking a pledge was a practical way to protect yourself and to remind the borrower of his duty.

Biblical connections

The previous verse, Proverbs 27:12, says that a prudent person sees danger and hides himself, but the simple pass on and suffer. This verse gives a specific example of such danger: guaranteeing a loan for someone you do not trust. Both verses call for foresight and careful action.

Application

Today, we may not take a garment as a pledge, but the principle remains. Before co-signing a loan or promising to pay for another person, we should carefully consider the risks. It is wise to set clear boundaries and to seek proper security when needed. This is not suspicion or unkindness; it is responsible stewardship of what God has given us.

We also learn the value of personal responsibility. When we make a promise, we should keep it. The verse encourages us to honor our commitments and to be honest in all financial matters.

Reflection

God’s wisdom protects us from harm. He wants us to be generous, but also prudent. Ask yourself: Are there financial promises you have made without careful thought? How can you practice both kindness and caution in your dealings with others?