If the person is poor you may not use what he gives you as security for a covering. ¹ 

You must not oppress a lowly and poor servant, whether one from among your fellow Israelites ¹  or from the resident foreigners who are living in your land and villages. ² 

There will never cease to be some poor people in the land; therefore, I am commanding you to make sure you open ¹  your hand to your fellow Israelites ²  who are needy and poor in your land.

You must pay his wage that very day before the sun sets, for he is poor and his life depends on it. Otherwise he will cry out to the Lord against you, and you will be guilty of sin.